Vipa Anthooly Thoovakunnon
Kannur
Summary
Results-driven credit risk professional with 6 + years of specialized experience in credit analysis , counterparty assessment , financial risk management and underwriting for mortgage lending operations ( Loans and Insurance products) across diverse client portfolios. Proven expertise in evaluating creditworthiness of institutional clients , managing credit exposure within established risk parameters and implementing robust risk mitigation strategies . Strong background in quantitative analysis , regulatory compliance and cross functional collaboration with trading and operations teams. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Manager - Credit Underwriting
HDFC Bank Ltd
07.2023 - Current
- Performed detailed credit underwriting assessments for property loans, ensuring compliance with established processes and standards.
- Managed large datasets for accuracy and quality control in financial processes.
- Overseeing double checking and sanctioning of loan applications.
- Underwriting of self employed resident and NRI loan applications.
- Responsible for handling 200+ applications through to sanction per month.
- Adept at gauging risk and tracking fraudulent transactions.
Deputy Manager - Credit Mortgage Underwriting
HDFC LTD
01.2019 - 07.2023
- Reviewing loan requests
- Assessing customer's Financial status
- Evaluating creditworthiness and risks
- Analyze risks and approve or reject loan requests
- Calculate financial ratios
- Monitor performance of existing loans - NPA Management
- Branch Facilitator for two branches for improving process flow
Deputy Manager
ICICI Bank Ltd
05.2017 - 10.2018
- Advising customers on various banking and Financial Products and services offered by bank
- Providing banking solutions to customer problems
- Providing and processing transaction such as Fund Transfer, Forex, Loans, credit cards,
- Insurance, Mutual fund, Accounts
- Maintaining relationship with existing customers and providing after sales services
- Managing banking operations to deliver effective financial services to clients
- Building relationships with new set of customers
- Meeting Organization targets
Education
PGDM - Finance and Marketing
SCMS Cochin School of Business
2017
BCOM - Computer Application
Chinmaya Arts And Science College For Women
2015
Skills
- Financial Analysis
- Audit
- Credit Risk Analysis
- Mortgage and IPF ( Insurance) Underwriting
- Financial Crime Risk Assessment
- AML/KYC Policies and Procedures
- Cross-Functional Team Management
- Stakeholder Management
Languages
English
Bilingual or Proficient (C2)
Malayalam
Advanced (C1)
Hindi
Advanced (C1)
Tamil
Intermediate (B1)
Certification
- Highest rated Credit Manager in PAN India of HDFC Bank ( Home Loans ) FY 24-25
- Certified by IRDA
- Certified by AMFI
Timeline
Manager - Credit Underwriting
HDFC Bank Ltd
07.2023 - Current
Deputy Manager - Credit Mortgage Underwriting
HDFC LTD
01.2019 - 07.2023
Deputy Manager
ICICI Bank Ltd
05.2017 - 10.2018
BCOM - Computer Application
Chinmaya Arts And Science College For Women
PGDM - Finance and Marketing
SCMS Cochin School of Business
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