Manju Nandi

Accomplished and result-oriented credit management professional with over 6+ years of experience in Home Loans &

• Mortgages, Affordable Housing, LAP, SME, Secured &

• Unsecured Business Loans, Extensive Credit related &

• Credit Appraisal experience ranging from structuring complex transactions to underwriting policies. Ensured maximum accuracy and quality in all daily tasks. Good knowledge about the underwriting & credit Analysis in the High Value MSME Loans, Ratio Analysis, Prime Lap &

• HL Loans, Affordable Lap &

• HL Loans. Having sound knowledge in Technical &

• Analytical skills with verified knowledge in Credit Decisions and Management/Analysis. Good experience in underwriting of Affordable and Prime Home Loans, Mortgage, Personal Loan, MSME loan – Sanction process and Loan Underwritings.

Credit Manager - TATA CAPITAL HOUSING FINACE Ltd - Mundargi & Huvin Hadagali

(2026-01)

Credit Manager for All Housing and LAP Products managing credit underwriting, appraisal, portfolio and risk management, and operational & stakeholder coordination.

• Evaluate retail and mortgage loan applications (Home Loans, LAP) based on internal credit policies and risk parameters
• Analyse financial statements, income-to-obligation ratios (FOIR), and loan-to-value (LTV) ratios to determine repayment capacity
• Conduct physical or telephonic interviews with customers to verify their business/employment profile and financial stability
• Approve, decline, or recommend loan proposals within delegated sanctioning authorities (e.g., up to ₹50 Lakhs for certain levels)
• Continuously monitor the health of the existing loan portfolio to identify early warning signs of stress or delinquency
• Oversee the collection and management of pending documents to ensure legal and technical compliance
• Document and authorize necessary deviations from standard credit policy while ensuring appropriate risk mitigants are in place
• Maintain and report on Management Information Systems (MIS) related to portfolio performance, delinquency, and cluster operations
• Coordinate with external agencies for technical valuations, legal opinions, and Field Investigations (FI) to ensure timely report submission
• Partner with the sales team to facilitate a quick Turnaround Time (TAT) for proposals without compromising credit quality
• Ensure strict adherence to internal credit monitoring policies and regulatory standards for every file

Chief Manager – Credit, Branch Credit Operations Manager - Cholamandalam Investment and Finance Company Ltd - Belgaum, Gokak, Chikodi

(2025-02 - 2026-01)

Branch Credit Operation Manager for All Secured Home loan and LAP Products managing the entire credit application process, quality portfolio, and credit decisions.

• Manage the entire credit application process, right from login to disbursement
• Manage the Quality Portfolio and early delinquency collection
• Responsible for TAT of delivering sanction letter and disbursement
• Responsible to do Physical PD in Small to Big ticket size cases recommendation
• Co-ordinate with Legal and technical, FI and FCU (Froud Control Unit) Agency for check and processing the file
• CIBIL Check, Profile Analysis, Physical Verification and recommending a case
• Underwriting loan proposals of salaried, Self-employed professional and self-employed nonprofessional customers
• CAM Preparation and financial analysis, Banking check, ITR, P&L A/C, Ballance Sheet, Ratio Analysis, eligibility calculation as per policy norms
• Original Property documents verification and PVR (Property Verification Report) preparation
• Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
• Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
• Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
• Monitor and enforce approval rate and TAT as per prescribed standards
• To conduct customer meeting to evaluate credit proposal
• Underwriting in declare income and Assessment of income
• Take sound lending decisions based on the available information & interaction with the applicants
• Managing Performance in terms of key drivers
• Sound Knowledge of Retail Banking & Finance
• Handling customer queries & good communication skills

Branch Credit Manager - IDFC First Bank Ltd - Jamkhandi Bagalkot

(2023-09 - 2025-02)

Branch Credit Operation Manager for All Secured and Unsecured Products managing the entire credit application process, quality portfolio, and credit decisions.

• Manage the entire credit application process, right from login to disbursement
• Manage the Quality Portfolio
• Responsible for TAT of delivering sanction letter and disbursement
• Responsible to do Physical PD in Small to Big ticket size cases recommendation
• Co-ordinate with Legal and technical, FI and FCU (Froud Control Unit) Agency for check and processing the file
• CIBIL Check, Profile Analysis, Physical Verification and recommending a case
• Underwriting loan proposals of salaried, Self-employed professional and self-employed nonprofessional customers
• Underwriting loan proposals received from both Indians and Non-Resident Indian customers
• CAM Preparation and financial analysis, Banking check, eligibility calculation
• Sanction a case within Limit and TAT
• Original Property documents verification and document preparation
• Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
• Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
• Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
• Monitor and enforce approval rate and TAT as per prescribed standards
• To conduct customer meeting to evaluate credit proposal
• Underwriting in declare income and Assessment of income
• Take sound lending decisions based on the available information & interaction with the applicants
• Managing Performance in terms of key drivers
• Sound Knowledge of Retail Banking & Finance
• Handling customer queries & good communication skills

Branch Credit Manager - Aadhar Housing Finance Ltd - Belgaum

(2021-10 - 2023-09)

Branch Credit Manager for All Home loan products with MSME and Mortgage managing the entire credit application process, quality portfolio, and credit decisions.

• Manage the entire credit application process, right from login to disbursement
• Manage the Quality Portfolio
• Responsible for TAT of delivering sanction letter and disbursement
• Responsible to do Physical PD in Small to Big ticket size cases recommendation
• Co-ordinate with Legal and technical, FI and FCU (Froud Control Unit) Agency for check and processing the file
• CIBIL Check, Profile Analysis, Physical Verification and recommending a case
• Underwriting loan proposals of salaried, Self-employed professional and self-employed nonprofessional customers
• Underwriting loan proposals received from both Indians and Non-Resident Indian customers
• CAM Preparation and financial analysis, Banking check, eligibility calculation
• Sanction a case within Limit and TAT
• Original Property documents verification and document preparation
• Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
• Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
• Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
• Monitor and enforce approval rate and TAT as per prescribed standards
• To conduct customer meeting to evaluate credit proposal
• Underwriting in declare income and Assessment of income
• Take sound lending decisions based on the available information & interaction with the applicants
• Managing Performance in terms of key drivers
• Sound Knowledge of Retail Banking & Finance
• Handling customer queries & good communication skills

Assistant Manager-Credit - Aviom India Housing Finance Pvt Limited - Hubli

(2020-10 - 2021-10)

Assistant Manager-Credit for Home loans and LAP managing loan application underwriting, financial analysis, and credit eligibility assessment.

• CIBIL Check, Profile Analysis, Physical Verification, Recommending a case, MIS Preparation
• Loan Application underwriting for secured of HL and Lap
• Underwriting in Declared income & assessment of income
• CAM Preparation and financial analysis, Banking check, eligibility calculation
• Sanction a case within Limit and TAT
• Original Property documents verification and document preparation
• Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
• Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
• Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
• Verifying the promoter's track record & ascertaining their credit worthiness
• Monitor and enforce approval rate and TAT as per prescribed standards
• Vendor Management
• To conduct customer meeting to evaluate credit proposal

Junior Field Credit Officer - Five Star Business Finance Limited - Belagavi and Gokak

(2019-09 - 2020-09)

Junior Field Credit Officer managing field investigations and credit assessment activities.

PGDBF - Post Graduate Diploma in Banking & Finance - Symbiosis Centre for Distance Learning Institute (SCDL) (2022)

BCOM - Commerce - Rani Channamma University, Belagavi (2015)

PUC - Department of PreUniversity Education Bangalore (2012)

SSLC - KSEE Board Bangalore (2010)