Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
Generic

SONU Kumar

New Delhi

Summary

Skilled in credit underwriting for HL, LAP, and BT cases, with a focus on salaried profiles of prime customers. Experienced in financial analysis, CIBIL review, Telly PDs, and eligibility assessment using FOIR and LTV. Seeking a permanent role with long-term growth opportunities.

Overview

2
2
years of professional experience

Work History

Credit Officer (I-FORCE)

Bajaj Housing Finance Limited
New Delhi
06.2023 - 08.2024
  • Underwriting Home Loans (HL), Loan Against Property (LAP), and Balance Transfer (BT) cases for salaried prime segment customers by analyzing income documents and bank statements/account aggregator data to assess financial eligibility.
  • Verifying customer details through employment checks and detailed CIBIL analysis, assessing repayment history, current and closed tradeline history to evaluate credit risk.
  • Conducting telephonic personal discussions (Telly PD) to validate customer information, resolve discrepancies, then calculate the loan eligibility using FOIR (Fixed Obligation to Income Ratio).
  • Entering all key information into the system. Now it's time to make the decision—recommending doable files to the Area Credit Manager (ACM) and escalating non-doable cases to the sales team with appropriate remarks.

Tour Executive

Wind Hourse India Tours
New Delhi
08.2022 - 03.2023
  • Managed outbound B2B Bhutan tour operations by handling client queries and coordinating with Bhutan-based agents for itineraries, hotels, transport, meals, and guides, ensuring excellent hospitality and comfortable travel experiences.
  • Calculated complete tour packages and prepared detailed cost proposals based on client requirements, ensuring accuracy and transparency.
  • Ensured seamless coordination and professional communication through email with clients and Bhutan agents to confirm bookings, resolve queries, and deliver a smooth travel experience.

Education

Bachelor of Arts -

Vinoba Bhave Univesity, Hazaribagh
Dhanbad, Jharkhand
01-2017

Intermediate Secondary Examination - 12th, Science (PMC)

State Board
Dhanbad, Jharkhand
01-2014

Annual Secondary Examination - 10th

State Board
Dhanbad, Jharkhand
01-2012

Skills

  • Loan underwriting
  • Credit risk assessment
  • Financial eligibility analysis (FOIR & LTV)
  • Customer employment verification
  • CIBIL & Credit Analysis
  • B2B operations management
  • Quick Learner and keen Observer
  • Decision Making
  • Data entry accuracy
  • Risk analysis

Affiliations

I have also worked at an NGO named 'Humen Effected Organization' as an 'accountant' from Dec 2018 to April 2020. My work was "manage the credited and debited amount that was incurred in donations and expenditure" in soft files. Had done many activities that are mentioned below:-

  • Actively participated in community support activities, including the distribution of educational materials (books, pens, pencils, etc.), blankets, and mosquito nets to underprivileged individuals individuals.
  • Played an active role in COVID-19 by distributing essential supplies, including masks, sanitizers, hygiene products, and food rations to people in need and impacted households/to underserved families.

Timeline

Credit Officer (I-FORCE)

Bajaj Housing Finance Limited
06.2023 - 08.2024

Tour Executive

Wind Hourse India Tours
08.2022 - 03.2023

Bachelor of Arts -

Vinoba Bhave Univesity, Hazaribagh

Intermediate Secondary Examination - 12th, Science (PMC)

State Board

Annual Secondary Examination - 10th

State Board

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SONU Kumar