Branch Credit Manager - Greenfinch Global Consultancy Pvt. Ltd.
(2025-03 - 2026-05)
- Conducted credit appraisal and underwriting for Home Loans, LAP, Business Loans, and Personal Loans in line with NBFC and banking policies.
- Assessed applicants' income, cash flows, FOIR, and repayment capacity to evaluate overall creditworthiness.
- Performed residence, business, employment, and collateral verifications to validate customer authenticity and risk profile.
- Verified KYC, banking, income, and collateral documents to ensure regulatory and policy compliance.
- Prepared detailed credit notes, risk observations, and MIS reports using MS Excel to support credit decision-making.
Credit Officer - Bajaj Housing Finance Ltd.
(2023-08 - 2025-03)
- Evaluated Home Loan and Prime LAP applications through detailed credit risk assessments and financial analysis.
- Performed underwriting and credit decision-making based on financial ratios, banking behavior, and repayment capacity.
- Conducted physical and video personal discussions (PDs) to assess applicant credibility and authenticity.
- Prepared Credit Appraisal Memorandums (CAM) for loan approval recommendations.
- Monitored EMI performance and prepared MIS reports for portfolio tracking and risk management.
Senior Officer – Operations - Jana Small Finance Bank Ltd.
(2022-11 - 2023-08)
- Oversaw branch operations and supervised workflow to ensure smooth functioning.
- Managed end-to-end micro-loan processing and disbursement activities.
- Conducted KYC verification and customer eligibility assessments as per policy guidelines.
- Supported MIS reporting and daily operational activities.
- Maintained accurate and compliant loan documentation records.
Credit Verification Officer - IndusInd Bank Ltd.
(2022-05 - 2022-09)
- Managed tractor loan files from login to disbursement.
- Verified KYC, application forms, income proof, and supporting documents for credit processing.
- Prepared MIS reports and supported operational reporting activities for the cluster.
- Processed customer requests related to NOC documentation.
Data Entry Operator - IFFCO TOKIO General Insurance Co. Ltd.
(2019-04 - 2022-05)
- Managed motor claim data processing and reporting activities.
- Coordinated with customers, surveyors, and investigators for timely claim settlement.
- Maintained claim file records and published daily MIS reports to senior management.
- Uploaded claim-related documents into company software and maintained record center documentation.
Executive - Yes Bank Ltd.
6 months experience
Office Assistant - Zero Error
9 months experience
