Summary
Overview
Work History
Education
Skills
Timeline
Generic
Sanjana Kashyap

Sanjana Kashyap

Branch Credit Manager

Summary

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.

Education

MBA - Finance

Sri Balalji University
Pune
04.2018

BBA - Accounting And Finance

Translam Institute of Business Management
Meerut
04.2016

Skills

  • Credit Appraisal
  • Risk Analysis
  • Loan Underwriting
  • Financial Statement Analysis
  • Retail Lending
  • Team Coordination

Loan origination

Willing to learn

Teamwork

Teamwork and collaboration

Customer service

Problem-solving

Time management

Timeline

Branch Credit Manager

GIC Housing Finance Ltd. (GICHFL)
06.2018 - Current

MBA - Finance

Sri Balalji University

BBA - Accounting And Finance

Translam Institute of Business Management
Sanjana KashyapBranch Credit Manager