Robin Singh Chauhan
Noida
Summary
A finance professional with strong foundation in credit underwriting and risk management. Proven ability to assess creditworthiness and make sound credit decisions. Valued team member known for collaboration and flexibility in meeting organizational goals. Expertise in financial analysis and risk assessment.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Underwriter
HDFC Bank
Delhi, India
06.2024 - Current
- Conducted detailed assessment, appraisal, and underwriting of credit proposals for Corporate/SME clients with financial needs, including fund and non-fund-based limits for turnovers up to 20 Cr which include Home Loans, Loan Against Property, Non-Residential Property, CRE Loans, Top-Up
- Performed in-depth financial analysis to assess critical risk factors, including liquidity, leverage, Fixed Obligation to Income Ratio (FOIR), and financial health indicators. Recommended funds for 2500 Cr+
- Spearheaded cross-functional collaboration among Business Development, Technical & Legal Team
- Achieved 100% reduction in lending approval Turnaround time for FTR files, ensuring optimal risk
- Collaborated with loan officers to streamline underwriting processes and improve turnaround times.
- Analyzed financial statements and credit reports to assess applicant eligibility.
- Evaluated credit applications to determine risk and compliance with lending policies.
Retail Asset Intern
HDFC Bank
Mumbai, India
04.2023 - 06.2023
- Analysed CSC-VLE and India Post's alternate channel processes and mapping the various procedures
- Studied different channels of HDFC Bank and found the future scope of them with HDFC bank (including Manipal Business Solution, Store King, Novopay, Sahaj Retail Limited, RajCOMP Info Limited)
- Created animated video for process of disbursement of home loan for easy understanding of VLE’s
- Worked on the HPL Elevate program and took daily working updates from ASMs, RSMs, and ZSMs
- Conducted market research for the credit card offerings of different banks and made two credit card offerings for home loan customers with the different perks and according to the loan amount disbursed
Site Engineer
Ajay Enterprises
Delhi, India
08.2020 - 04.2021
- Supervised day to day site work and material check and reported it to SR. Engineers and prepared report
- Determined project feasibility by estimating the quantities and cost of labour, equipment, and materials as well as road level survey & dumpy level survey along with structural study in the software STAADPRO
Education
MBA - Marketing & Finance
Indian Institute of Management Sirmaur
Sirmaur04-2024
B Tech - Civil Engineering
SRM University
Sonipat05-2020
CBSE XII Board - undefined
Vikas Bharati Public School Rohini
Delhi01.2016
CBSE X Board - undefined
Vikas Bharati Public School Rohini
Delhi01.2014
Skills
- MS Office
- Tableau
- Probe42
- R Studio
- SQL
- Collateral evaluation
- Underwriting policies
- Credit risk mitigation
- Loan structuring
- Credit analysis
Certification
- Acquired insightful data visualisation and analysis skills through the visual analytics session by Perceptive Analytics 2023
- Completed the course - Microsoft Advance Excel Course offered by Henry Harvin and received practitioner certificate 2023
- Completed 'Lean Six Sigma Green Belt' certification and learned lean concepts from the platform of Grant Thornton 2022
Timeline
Credit Underwriter
HDFC Bank
06.2024 - Current
Retail Asset Intern
HDFC Bank
04.2023 - 06.2023
Site Engineer
Ajay Enterprises
08.2020 - 04.2021
CBSE XII Board - undefined
Vikas Bharati Public School Rohini
CBSE X Board - undefined
Vikas Bharati Public School Rohini
MBA - Marketing & Finance
Indian Institute of Management Sirmaur
B Tech - Civil Engineering
SRM University
OTHER INTERESTS
Travelling, Formula-1, Adventurous Sports, Football, Documentaries
Personal Information
Gender: Male