Dheeraj Pasumarty

Credit underwriting expert with 4+ yrs experience in loan evaluation, risk analysis, and policy compliance. Proven in reducing NPAs & improving TAT.

• Successfully underwrote over 25,000 loan applications annually with high approval accuracy, reducing default risk significantly.
• Cut credit evaluation turnaround time by 50% through process automation and workflow optimization.
• Reduced NPA rate by 14% by tightening credit policy standards and implementing proactive risk monitoring systems.
• Played a pivotal role in testing and launching a new digital lending app, improving underwriting efficiency and compliance adherence.
• Enhanced property valuation and mortgage documentation processes to support secured lending with reduced processing errors.
• Supported rollout of a new credit assessment platform in collaboration with product and IT teams, enabling automated risk evaluations.
• Conducted regular training sessions for sales and operations teams on credit risk guidelines and underwriting best practices.
• Designed internal credit scoring models aligned with RBI regulations and tailored to organizational risk appetite.

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