Unofficial Sanju

Results-driven Credit Officer with over 1.5 years of experience in credit analysis, loan underwriting support, credit operations, and risk assessment across banking, NBFC, and mortgage domains. Experienced in evaluating retail vehicle applications by assessing CIBIL reports, DTI, LTV, income, bank statements, and overall creditworthiness. Proficient in KYC verification, loan documentation, regulatory compliance, fraud detection, and credit appraisal while ensuring adherence to RBI guidelines, SLAs, and turnaround time (TAT) targets.

Committed to delivering accurate credit decisions, minimizing risk, and supporting business growth through sound financial analysis and operational excellence.

Credit officer - loan operations at BAJAJ FINSERV (2024-10-19 – 2025-11-29)

• Handled end-to-end credit operations for consumer durable loan applications, including application processing, document verification, KYC validation, credit checks, sanction and disbursement activities while ensuring accuracy and adherence to defined TAT and SLA.
• Responsible for verifying customer and financial documents, maintaining file quality, identifying discrepancies and ensuring compliance with internal credit policies, operational guidelines and regulatory requirements. Coordinated with Credit, Sales, Branch Operations and other teams to resolve documentation and processing issues.
• Monitored loan cases from login to disbursement, tracked pending applications, rejections, exceptions and process deviations, and ensured timely resolution of operational issues. Managed escalations and maintained effective coordination with internal teams and customers to achieve smooth loan processing.
• Prepared daily and periodic MIS reports related to productivity, TAT, pending cases and operational performance. Used MS Excel for data analysis, reporting and reconciliation, while identifying process gaps and supporting initiatives to improve operational efficiency and reduce errors.
• Coordinated with external agencies/vendors wherever required for verification and documentation-related activities.
• Supported audit and compliance requirements by maintaining accurate records and ensuring adherence to process controls. Demonstrated strong attention to detail, customer service, process management and cross-functional coordination while maintaining high standards of data accuracy and confidentiality.

Credit officer - operations at CIEL - GREAVES FINANCE LIMITED (2026-04-06 – Present)

• Managed end-to-end credit assessment of vehicle loan applications by evaluating customer profile, income, employment/business details, banking transactions, credit history and repayment capacity.
• Reviewed applications as per credit policies, eligibility criteria and defined risk parameters.
• Performed detailed verification of Aadhaar, PAN, POI (Proof of Identity), POA (Proof of Address) and other KYC documents. Verified customer income and banking documents, including IP receipts, and assessed CIBIL reports, existing liabilities, FOIR, LTV and repayment history to determine creditworthiness.
• Verified vehicle-related documents such as proforma invoices, price lists, quotations and other supporting documents to validate vehicle cost, loan amount and customer contribution. Ensured accuracy and completeness of documentation before processing, sanction and disbursement.
• Reviewed and recommended vehicle loan applications for approval, rejection or further clarification based on credit assessment, risk parameters and company policy. Coordinated with Sales, Operations, Verification, Dealers and other teams to resolve discrepancies and ensure timely processing within defined TAT and SLA.
• Maintained credit files, MIS reports and application records while supporting audit and compliance requirements. Monitored pending cases and process exceptions and ensured adherence to KYC, documentation, credit policy and operational guidelines while maintaining high standards of credit quality and risk control.

Bachelor of Arts in BA – DVS COLLEGE OF ARTS AND SCIENCE SHIMOGA (2023)