Rahul Mishra

A detail-oriented Banking & Credit Operations Specialist with hands-on expertise in individual loan underwriting, credit risk analysis, and borrower portfolio assessment. Proven track record of evaluating creditworthiness, ensuring regulatory compliance, and managing financial administration in dynamic banking environments.

Credit Officer (Individual Loans) - HDFC Bank

(2025-01)

• Spearhead end-to-end credit appraisal and underwriting for Individual Loans, evaluating eligibility, financial capacity, and income parameters.
• In-depth analysis of credit bureau reports (CIBIL), bank statements, financial records, and KYC documentation to assess creditworthiness and minimize NPA risks.
• Ensure strict adherence to HDFC Bank's internal credit policy framework and RBI regulatory guidelines across all loan processing stages.
• Collaborate with branch management and sales officers to streamline workflow, improve Turnaround Time (TAT), and maintain high portfolio quality.

Administrative Assistant - Shree Balaji Associates Basti

(2023-05 - 2024-07)

• Managed daily office administrative operations, vendor communication, and client documentation to enhance overall operational efficiency.
• Supported financial record-keeping and coordinated executive workflows to maintain organizational structure.

Graduation - B.A - Siddharth University, Siddharth Nagar (2021)

Intermediate - Class XII - PT CHATURBHUJ TIWARI DEVI I C NAKATIDEIV KAPTANGANJ BASTI (2018)

High School - Class X - GOVT ASHRAM PIC JOGIA BHANPUR BASTI (2016)