Experienced Credit Manager with over 10 years of expertise in credit assessment, loan processing, and risk evaluation within the retail banking and financial services sectors. Skilled in underwriting high-value home loan portfolios, managing credit operations, and implementing credit policies. Adept at evaluating customer creditworthiness, conducting personal discussions (PDs), and negotiating loan terms. Proven ability to lead cross-functional teams, monitor loan repayment cycles, and ensure compliance with credit frameworks and regulatory norms.
Overview
16
16
years of professional experience
Work History
Asst. Credit Manager
HDFC Sales
10.2016 - Current
Evaluate creditworthiness of salaried/self-employed clients for high-ticket loans (up to Rs. 8 Cr)
Conduct PDs and prepare detailed appraisal notes and credit decisions
Lead team coordination with legal, technical & sales teams
Ensure policy compliance and conduct audits
Credit Coordinator
IndusInd Bank
02.2015 - 04.2016
Reviewed home loan documents, MIS tracking, and approval liaison
Resolved discrepancies and generated dashboards
Quality Operator
Datamatics
11.2011 - 04.2014
Managed quality checks and supervised document compliance
Analyst
Eclerx
08.2010 - 09.2011
Supported APAC clients in credit operations, billing, and reconciliation
Unit Manager
ICICI Prudential Life Insurance
05.2009 - 08.2010
Trained advisors, maintained MIS, and ensured IRDA compliance