Ujjaini Roy
Manager
Thane
Summary
Senior Credit Appraiser with expertise in home loan underwriting, Financial analysis, Risk assessment and credit policy compliance across salaried, self-employed, and NRI segments. Reviews financial statements, FOIR/DTI, and repayment capacity to support faster, policy-aligned decisions on complex cases, improving turnaround time by 11–20%. Flags deviations early and coordinates clean case files for sanctioning authorities.
Overview
7
7
years of professional experience
Work History
Senior Credit Appraiser
HDFC BANK LTD
04.2023 - Current
- Home loan underwriting specialist with expertise in credit appraisal, risk assessment, and compliance—managing 300+ monthly cases at HDFC across salaried, self-employed, and NRI segments. Evaluated customer portfolios and financial profiles to determine credit eligibility and overall creditworthiness.
- Analyzed ITR, Form 16, statements, and financial statements to compute FOIR/DTI ratios and repayment capacity, optimizing document verification and preliminary risk-scoring workflows to reduce loan processing turnaround time.
- Identified case deviations and provided clear approve/decline/modify recommendations to sanctioning authorities, verifying legal and mortgage documentation to ensure compliance and accuracy.
Product Manager
ICICI Bank Ltd
01.2020 - 04.2023
- Defined product strategy and collaborated with cross-functional teams to drive product growth and market expansion, conducting market research and competitive analysis to identify customer needs and business opportunities. Managed complete product lifecycle from planning and development to performance monitoring and optimization, supporting sales teams in complex negotiations to facilitate high-value deal closures.
- Developed and implemented unique product features to differentiate offerings from competitors, introducing customer-centric customization and personalization options to enhance user satisfaction. Integrated digital/smart functionalities to improve product value and customer engagement while designing competitive pricing strategies, including introductory offers, bundle packages, and loyalty reward programs.
- Enhanced customer experience through streamlined ordering processes and fast delivery solutions. Established hassle-free return and replacement processes to improve customer retention. Ensured high customer satisfaction by supporting responsive and reliable customer service operations.
Education
Master of Business Administration (MBA) - Finance
ITM BUSINESS SCHOOL
Navi Mumbai07-2019
Bachelor of Science (BSC) - Mathamatics
Calcutta University
Bijoy Krishna Girls College, Howrah06-2016
Skills
Risk assessment
Financial statement analysis
Credit appraisal
Debt service coverage ratio analysis
Borrower cash flow analysis
Income assessment
Collateral evaluation
TAT management
Credit policy & regulatory compliance
Loan underwriting
Document verification
Sanction note preparation
Timeline
Senior Credit Appraiser
HDFC BANK LTD
04.2023 - Current
Product Manager
ICICI Bank Ltd
01.2020 - 04.2023
Master of Business Administration (MBA) - Finance
ITM BUSINESS SCHOOL
Bachelor of Science (BSC) - Mathamatics
Calcutta University