Credit Underwriting,
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I'm anil kalyankari, I'm from native from raichur born and birth from raichur, present working in bellary location, below mention work details,
Credit Underwriting & Risk Assessment: Financial appraisal, repayment capacity analysis, income stability evaluation, and mitigation structuring (guarantors, collaterals, insurance).
Verification & Documentation: Managing 15-year legal flow reports, technical/valuation checks, RCU reports, and
Contact Point Verification (CPV).
Process & Vendor Management: Coordinating with vendors, operations, and product teams to streamline loan TAT and maintain zero-defect disbursement files.
Portfolio & Compliance Management: Tracking 12 MOB collection performance, maintaining negative area master lists, and managing waiver approvals.
Branch Credit Manager (Credit Underwriting) — Tyger Capital (Formerly Adani
Responsible for end-to-end credit underwriting, risk assessment, and decisioning for loan proposals.
Maintaining agreed Turnaround Time (TAT) for Personal Discussion (PD) and recommendations.
Conducting Personal Discussions (PD) with prospective borrowers to evaluate creditworthiness and repayment capacity.
Coordinating with legal, technical valuation teams, RCU, and FI vendors to ensure seamless processing through disbursement.
Branch Credit Manager (HL & LAP) — Ambit Finvest Pvt. Ltd.
Managed credit underwriting and portfolio risk for Home Loans (HL) and Loan Against Property (LAP).
Handled FinTree tie-up operations and independently managed credit for multiple branches including Sindhanur,
Lingasugur, Muddebihal, and Sedam.
Maintained 100% collection efficiency up to 12 MOB and ensured overall portfolio health.
Branch Credit Manager (HL & LAP) — Shriram Housing Finance Pvt. Ltd.
Underwrote HL and LAP portfolios, handling complete credit appraisal and risk evaluation for the Raichur branch.
Field Credit Officer — Five Star Business Finance Ltd.
Handled credit appraisal, field investigation, and risk evaluation for small business and mortgage loan applications.
Senior Relationship Executive (SRE - Sales & Collection) — Origo Finance Pvt. Ltd.
Managed business loans, LAP, and mortgage loan portfolios across sales and collections verticals.
Customer Manager — Mahindra Rural Housing Finance Ltd.
Managed portfolio recovery and hard bucket/PAR collections across customer accounts.
Team Leader / Assistant Branch Manager — L&T Financial Services Ltd.
Promoted to ABM in April 2019. Led a team of 5 members managing business sourcing and collection operations.
1, B.Com D.K. Bhandari College, Raichur Gulbarga University 2017 71.96%
2, PUC Sharda PUC College NIOS 2013 58.56%
3, SSLC Tagore Memorial Boys High School, Raichur KSEEB 2007 51.60%
