Jeel

Credit Underwriter with experience in assessing salaried home loan applications, delivering in-principle sanctions through comprehensive financial analysis, risk evaluation, and policy compliance.

Credit Manager at Tata Capital Housing Finance Ltd. (2025-07 – Present)

• Underwrote 100+ salaried home loan applications monthly, evaluating income, banking behavior, CIBIL, repayment history, DBR, multiplier calculations, and overall creditworthiness to issue in-principle sanctions within a 24-hour TAT.
• Assessed fresh home loans, balance transfer, and debt consolidation proposals by reviewing property valuation reports, LTV, FI reports, and repayment capacity to determine loan eligibility.
• Mitigated credit risk through RCU checks, fraud screening, policy deviation assessment, and data validation, ensuring adherence to internal underwriting standards.
• Partnered with Cross functional teams to resolve complex credit cases and deliver timely, well-supported credit recommendations.
• Maintained high underwriting quality by consistently applying credit policies, regulatory guidelines, and risk frameworks while balancing portfolio quality and customer turnaround time.

Summer Intern at Wealth Fincare (2024-02 – 2024-05)

• Conducted FMCG industry analysis using fundamental research to evaluate market trends, company performance, and investment opportunities.
• Performed fundamental analysis and monitored intraday market movements to make equity investment and trading decisions.
• Acquired new clients by pitching Demat accounts and mutual fund investment solutions based on customer needs.

Master of Business Administration (MBA) in Finance – ICFAI Business School (IBS), Mumbai (2023 – 2025)

CA Intermediate in Group 1 – The Institute of Chartered Accountants of India (2021)

Bachelor of Commerce (B.Com) – B.K.

Birla

College (2017 – 2020)

Higher Secondary Certificate (HSC) – B.K.

Birla

College (2015 – 2017)

Secondary School Certificate (SSC) – Sri Vani Vidyashala High school (2015)