Garima Agarwal

Results-oriented Banking Professional with nearly 4 years of experience in Credit Underwriting at HDFC Bank, specializing in Credit Card Underwriting (October 2022 – September 2025) and GST OD (Business Loan) Underwriting (October 2025 – Present). Experienced in evaluating customer creditworthiness, conducting financial and risk analysis, verifying documentation, ensuring regulatory compliance, and making data-driven credit decisions. Strong analytical, problem-solving, and decision-making abilities with a proven commitment to maintaining portfolio quality while meeting business and turnaround time (TAT) objectives.

Credit Card Underwriter at HDFC Bank (2022-10 – 2025-09)

• Evaluated credit card applications based on internal underwriting policies and credit risk parameters.
• Performed detailed credit risk assessments to minimize potential credit losses.
• Verified applicant documentation for authenticity, completeness, and compliance.
• Ensured adherence to RBI guidelines and internal credit policies.
• Recommended approval, rejection, and appropriate credit limits based on comprehensive risk analysis.
• Identified discrepancies and potential fraud indicators during the underwriting process.
• Maintained high decision accuracy while consistently meeting productivity and turnaround time (TAT) targets.
• Collaborated with Sales, Operations, and other stakeholders to ensure smooth application processing.

GST OD (Business Loan) Underwriter at HDFC Bank (2025-10 – Present)

• Underwrite GST Overdraft (GST OD) proposals for MSME customers with credit exposure of up to ₹2 Crore.
• Evaluate customer eligibility by analyzing GST returns, Income Tax Returns (ITRs), bank statements, financial statements, business turnover, and cash flow.
• Assess repayment capacity, business viability, and creditworthiness through detailed financial analysis.
• Review CIBIL reports, banking conduct, existing liabilities, and repayment history to support sound lending decisions.
• Verify financial and business documents for authenticity and compliance with internal credit policies and RBI regulations.
• Identify policy deviations, credit risks, and potential fraud indicators while maintaining portfolio quality.
• Recommend approval, decline, or appropriate credit terms based on prudent risk assessment.
• Coordinate with Relationship Managers, Sales, Credit Operations, and other stakeholders for timely resolution of cases.
• Ensure high standards of quality, compliance, and turnaround time while balancing business growth with effective risk management.

Bachelor of Technology in Electronics & Communication Engineering – Ambalika Institute of Management & Technology, Lucknow (2015)

Class XII in PCM – St. Paul's College, Lucknow (2011)

Class X – St. Paul's College, Lucknow (2009)