MBA (2016–2018) professional with 6+ years of experience in housing finance and retail lending. Currently working with GIC Housing Finance Ltd. Skilled in credit appraisal, risk assessment, loan underwriting, and portfolio management.
Overview
8
8
years of professional experience
Work History
Branch Credit Manager
GIC Housing Finance Ltd. (GICHFL)
06.2018 - Current
managing comprehensive credit appraisal for housing loan cases
Assessing borrower eligibility, financials, and repayment capacity
Ensuring compliance with internal credit policies and RBI guidelines
Coordinating with sales and legal teams for smooth loan processing
Managing portfolio quality and risk mitigation
Analyzed credit applications, assessing risk and recommending approvals or rejections.
Mentored junior staff, fostering professional growth and enhancing team performance.
Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
Managed branch credit operations, ensuring compliance with lending policies and regulations.
Collaborated with sales teams to identify potential clients and increase loan origination rates.
Led training sessions for staff on credit evaluation processes and best practices.
Streamlined loan processing workflows, improving efficiency and reducing turnaround times.