Vinay Singh

Credit Manager – Unsecured Loans (Pre-approved, Salaried, and Professional Segments)

• Spearheaded the approval and underwriting of unsecured loan products, including pre-approved loans, salaried loans, and professional loans, ensuring alignment with internal credit policies and risk frameworks.
• Demonstrated strong analytical acumen in evaluating borrower profiles, income stability, and repayment capacity using both traditional and alternative data sources.
• Collaborated with cross-functional teams to streamline credit decisioning processes, reduce turnaround time, and enhance customer experience.
• Applied risk intelligence principles to identify early warning signals, mitigate portfolio risks, and maintain asset quality.
• Known for a detail-oriented approach, sound judgment, and consistent delivery of high-quality credit assessments under tight timelines

CPA Manager– Personal Loans (End-to-End Processing)

• Managed the entire lifecycle of personal loan processing, from application login to underwriting and final disbursement, ensuring seamless execution and compliance with internal credit policies.
• Conducted thorough credit assessments by analyzing income documents, banking behavior, and bureau reports to determine borrower eligibility and risk profile.
• Ensured timely and accurate decision-making through close coordination with sales, operations, and compliance teams, maintaining high service standards and turnaround times.
• Applied a structured approach to risk evaluation, leveraging both automated and manual underwriting techniques to balance growth with portfolio quality.
• Recognized for process ownership, attention to detail, and ability to handle high volumes without compromising on quality or regulatory standards

Credit Executive – Two-Wheeler Loans (End-to-End File Processing)

• Handled end-to-end processing of two-wheeler loan applications, from initial login to final approval, ensuring accuracy, compliance, and timely execution.
• Reviewed and verified customer documentation including KYC, income proofs, and vehicle details to assess eligibility and risk.
• Conducted credit evaluations based on internal policy frameworks and external bureau data to ensure sound lending decisions.
• Maintained close coordination with sales and operations teams to streamline workflows and reduce turnaround time.
• Known for process efficiency, attention to detail, and a proactive approach to resolving documentation or eligibility issues.
• Contributed to maintaining portfolio quality by adhering to underwriting standards and identifying potential red flags early in the process.