Prachi Gangurde

Expertise in Credit Card Underwriting- Earned comprehensive knowledge and expertise
in analyzing and assessing credit eligibility for Credit Card applications utilizing detailed
profile of the client and external cibil bureau score. Demonstrated strong analytical skills
and proficiency in applying underwriting guidelines to determine credit card eligibility.
Expanded skills : Personal loan underwriting- with the above knowledge and expertise

• Understanding, learning and training about the bank's policy of underwriting a credit application
• Process more than 160 applications per day
• Focus on NR customer with that handling pan India NR customer's applications
• Evaluating and assigning limit as per credit card application to bank's policy
• Evaluating clients credit worthiness as per bank's guidelines - approving or rejecting request
• Understating of credit cards, credit analysis & appraisal, credit control & infant delinquency tracking as per policy guideline
• To ensure proper check while reviewing the application(policy check, KYC check, limit check, financial checks)
• Analyzing & evaluating CIBIL report of the applicant
• Focus on better approvals rates, lower delinquency and minimizing risk factor.

• To understand policy of company
• As per policy that product have to sell.