Simran Saini
Gurgaon, Haryana
Summary
As an accomplished professional with extensive experience as Manager credit Underwriter for a NBFC, specializing in Digital personal Loan products with Strong analytical skills, Skilled in team leadership, credit policy development, and cross-departmental coordination.
- As the final checker for digital personal loans, I meticulously ensure the accuracy and integrity of the entire loan lifecycle. Responsibilities include conducting thorough reviews of loan amount approvals, overseeing KYC checks, validating document verifications, and ensuring compliance with loan agreement terms
- Proven expertise in managing and optimizing end-to-end processes for fully digital instant personal loans.
- Proven track record in managing Co-lender relationships , Especially in the Fintech domain. Worked with Muthoot finance and HDB finance.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Manager- Credit Underwriting
Amar Amba Finance Hire Purchase Limited
12.2023 - Current
- Led the credit department responsible for the end-to-end processing of digital personal loans from application submission to disbursement, overseeing all activities performed by the team.
- Served as the final checker for all loan files before disbursement, ensuring accuracy and compliance with internal policies and regulatory standards.
- Managed credit data reporting to major credit bureaus including CIBIL, Equifax, Experian, and CRIF, ensuring timely and accurate submission of credit information.
- Maintained comprehensive data files for loan disbursement, ensuring accessibility and organization for audit and review purposes.
- Supervised and mentored a team of credit professionals, monitoring individual performance and providing guidance to meet targets and objectives.
- Coordinated with various departments including product development, technology, marketing, HR, and board members to streamline processes and optimize efficiency.
- Developed and updated credit policies to align with changing business needs and regulatory requirements, ensuring adherence to risk management guidelines.
- Spearheaded the redesign of the company's digital loan product, enhancing user experience and increasing customer satisfaction.
- Implemented dialer setup for improved communication with customers and vendors, enhancing operational efficiency.
- Cultivated and maintained relationships with external vendors, fostering partnerships to support business objectives.
- Conducted hiring and talent management within the credit department, identifying and recruiting top talent to support team growth and performance.
- Managed bulk WhatsApp marketing message campaigns, including setup and coordination, to enhance customer engagement and marketing outreach.
Manager- Credit ops
Myloancare ventures private limited
07.2022 - 12.2023
- Lead a team of 15-20 credit officers responsible for evaluating and approving personal loan applications, ensuring adherence to company policies and regulatory requirements.
- Collaborated with cross-functional teams Product And Tech to design and implement data-driven risk assessment models.
- Collaborated with sales and marketing teams to develop targeted marketing campaigns.
- Conducted regular training sessions to keep the team updated on industry best practices and credit underwriting guidelines.
- Monitored and evaluated credit reports, customer profiles, and financial statements to make informed credit decisions.
- Responsible for final credit checks and cross-verify applicant information, minimizing the risk of fraudulent activities.
- Play a key role in reducing disbursement errors and maintaining a high level of customer satisfaction
- Maintain clear and comprehensive reports of all communication and documentation exchanged with lending partners.
- Overseeing daily operations and workflow.
- Maintained document review and approval procedures for confidential or sensitive information, controlling flow of documents.
- Hired and evaluated associates and management staff to add to workforce and meet demands.
- Trained and mentored high-performing team through regular performance reviews, individual feedback and professional coaching.
Senior loan officer
Myloancare ventures private limited
04.2021 - 01.2022
- Assisting clients in completing loan applications and collecting required documentation.
- Collaborating with lending institutions or banks to facilitate loan approvals.
- Meeting or exceeding personal loan origination and sales targets.
- Providing top-notch customer service throughout the loan application process.
- Building and maintaining a client portfolio for personal loans.
- Prepared and submitted loan applications, supporting documents, and maintained accurate records.
Sales associate
Svg media private limited
09.2019 - 03.2021
- Recommending suitable term life insurance policies based on clients' circumstances.
- Provide exceptional customer service by addressing client inquiries, concerns, and providing post-sale support.
- Maintain accurate records of client interactions, sales activities, and follow-ups using CRM software.
- Collaborate with team members to share best practices, strategies, and support each other in achieving sales goals.
- Utilised sales and negotiation skills to complete sales pitches and closures.
Education
MBA - Marketing
Jaipur National University
Jaipur2025
Bachelor of Arts - Arts
Jaipur National University
Jaipur2022
Senior secondary -
RBSE
Alwar2018
Skills
- Proficiency in credit underwriting and risk assessment
- Strong leadership and team management skills
- Thorough understanding of credit bureau reporting and compliance standards
- Financial statements Analysis & KYC Verification
- Effective communication and interpersonal abilities
- Project management and coordination skills
- Software and tools Proficiency (Digitap, Finbit, Karza, Hunter, Digio, Razorpay, Sign3 , Bureau)
- Analytical Thinking
- Strategic planning and decision-making capabilities
- Ability to multitask and prioritize in a fast-paced environment
Additional Information
· Software: MS Office (Word, Excel, Google sheet, Microsoft 365)
· Operating Systems: Windows (98/2000/XP/7/8/10), Linux( Ubuntu)
Experienced in Microsoft Excel, including advanced functions such as VLOOKUP, PivotTables, and data validation
Certification
- Customer Delight Award - Sep 2020
- Process Improvement Initiative - June 2022
- Team Performance Award - April 2023
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Manager- Credit Underwriting
Amar Amba Finance Hire Purchase Limited
12.2023 - Current
Manager- Credit ops
Myloancare ventures private limited
07.2022 - 12.2023
Senior loan officer
Myloancare ventures private limited
04.2021 - 01.2022
Sales associate
Svg media private limited
09.2019 - 03.2021
MBA - Marketing
Jaipur National University
Bachelor of Arts - Arts
Jaipur National University
Senior secondary -
RBSE
- Customer Delight Award - Sep 2020
- Process Improvement Initiative - June 2022
- Team Performance Award - April 2023
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