Sandeepa H K

CREDIT MANAGER

HDFC BANK LTD

Bangalore

09.2021 - 12.2023

Monitored all credit requests and either approved or disapproved them after proper scrutiny
Maintained portfolios of lenders and ensured quality at par with bank standards
Reviewed new and existing portfolios and identified risk areas
Coordinated with technical experts on all large and complex loans
Made credit decisions within assigned authority
Research and evaluate clients' creditworthiness
Create credit scoring models to predict risks
Approve or reject loan requests, based on credibility and potential revenues and losses
Calculate and set interest rates
Negotiate loan terms with clients
Monitor payments
Maintain records of loan applications
Follow up with clients to manage debt settlements and loan renewals
Ensure all lending procedures comply with regulations
Develop, review and update our company's credit policies
The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking
Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly
The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank
The role has a significant contribution towards capturing opportunities across customer segments
Primary job duties/responsibilities Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions
Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers.