A Karan

Detail-oriented Credit & Verification professional with 4+ years of experience in the NBFC sector. Expertise in end-to-end loan verification, KYC compliance, fraud detection, and risk management. Focused on driving team performance, operational excellence, and continuous process improvement.

Credit Associate – Verification - Vivifi India Finance Private Limited - Hyderabad

(2022-02)

• Performed end-to-end loan application verification including KYC (PAN, Aadhaar, DOB), personal, employment, and banking details strictly as per SOP.
• Analyzed bank statements and EBV (Electronic Bank Verification) reports to validate salary credits, income consistency, and detect financial discrepancies.
• Conducted thorough income assessment by comparing applicant-declared income with actual bank credits and handled variance cases as per defined underwriting guidelines.
• Verified employment details including employer name, designation, and eligibility criteria, ensuring alignment with company credit policies.
• Validated bank account details (Account Number, IFSC code, name match) and executed penny drop verification for real-time account authentication.
• Identified, investigated, and flagged suspicious or fraudulent applications, maintaining detailed documentation and escalating to the risk and compliance team.
• Coordinated with customers for discrepancy resolution and collection of additional supporting documents to facilitate accurate loan approval or rejection.
• Ensured 100% adherence to SOP and regulatory compliance guidelines during every verification activity, reducing error rates and rework.
• Cross-verified PAN and Aadhaar details using government portals and internal tools to ensure authenticity and identity accuracy.
• Handled high-volume case queues with strict adherence to TAT (Turnaround Time), consistently achieving daily and monthly productivity targets.
• Reviewed and validated salary slips, Form 16, ITR, and GST documents for self-employed and salaried applicants as part of income verification.
• Conducted employer verification calls to confirm applicant's active employment status and designation with HR or reporting managers.
• Supported quality audits and internal reviews by ensuring case files are complete, documented, and compliant with audit requirements.
• Mentored and guided junior team members on verification procedures, SOP adherence, and effective fraud identification techniques.
• Participated in process improvement initiatives by identifying workflow gaps and suggesting actionable solutions to enhance team efficiency.
• Contributed to maintaining a low delinquency rate through diligent verification practices that minimize approval of high-risk or fraudulent loan applications.

Sales Associate - Vivifi India Finance Private Limited - Hyderabad

(2021-11 - 2022-02)

• Managed customer interactions and achieved assigned monthly sales targets through persuasive and needs-based communication.
• Built strong client relationships and improved customer satisfaction scores by providing accurate product information and timely follow-up.

Bachelor of Commerce - B.Com - ISBM University (2018 - 2021)

Intermediate - 10+2 - National Institute of Open Schooling (NIOS-CBSE) (2016)

Matriculation - 10th – CBSE - Army Public School, RK Puram (2014)