Neeraj Kumar

Credit Manager with expertise in Credit Risk Management, CIC Reporting, Underwriting, and Compliance. Strong understanding of lending lifecycle (origination to closure) with experience in risk-based decision making and compliance. Effective coordination with cross-functional teams.

Credit Manager (Underwriting & Risk) - Balancehero India Pvt Ltd - Gurugram

(2024-01)

• Manage end-to-end credit underwriting and risk assessment for personal loan applications.
• Conduct CIBIL checks, bureau analysis, and profile validation for decision making.
• Ensured CKYC compliance by verifying customer KYC records, validating data accuracy, and adhering to regulatory guidelines during credit assessment.
• Monitor DPD trends and repayment behavior to control delinquency.
• Ensure accurate CIC reporting for disbursement, repayment, and overdue accounts.
• Analyze financial data using Perfios and banking statements.
• Approve/reject cases based on internal policies and risk frameworks.
• Identify risk patterns and support credit policy improvements.
• Coordinate with operations and collections teams for risk mitigation.

Sr. Operations Executive - Indifi Technologies Pvt Ltd - Gurugram

(2023-01 - 2024-12)

• Managed lending operations and ensured SOP compliance
• Conducted internal audits and maintained MIS reports
• Handled cross-functional coordination and issue resolution
• Supported process improvements and operational efficiency

Sr. Sales Executive - Paisabazaar - Gurugram

(2022-01 - 2023-12)

• Assisted customers with loan selection and documentation
• Coordinated with internal teams for case processing
• Maintained compliance-driven customer communication

Executive - Squareyards - Gurugram

(2021-01 - 2022-12)

• Managed lead generation and customer engagement
• Maintained reporting systems and follow-ups

Agent - Max Life Insurance

(2019-01 - 2020-12)

B.Com - Commerce - Subharti University

12th - NIOS Board

10th - NIOS Board