POOJA ACHARYA
Sr Credit Manager
Sale
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering over 8 years of financial industry expertise.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
4
4
Languages
Work History
Sr Credit Manger - Mortgage Loans
SMFG India
07.2019 - 10.2024
- Underwriting Loan against Property (Mortgage Loans) for Self Employed & salaried Segment
- Understanding the financials & banking analysis of the given client
- Conducting Personal discussion with the client & asses his Working capital needs & requirements
- Sanctioning the case (if the requested loan amount is within my sanction limit), else recommending the case to the next level
- Understanding the legal flow of the collateral provided & clarifying the same from the vendor/lawyers
- Maintaining the TAT & FTR
- Handled Customer Escalations
- Monitoring the portfolio for 1-18 MOB cases
- Resolving any technical issues in the EMI clearance
- Also Visiting the clients defaulting on EMI if required
- Regular Sales Training on any revised/changes in policy
Assistant Credit Manger
Standard Chartered Bank
03.2018 - 07.2019
- Underwriting of mortgage loans for PAN India properties
- Underwriting based on Income method/Salaried income only
- Training & assistance of credit-ops
- Learning to upraise Loan against Shares & FD
- Managing all the back end work of CI
Branch Credit Manager (Branch lending - credit)
HDB Financial Services
06.2016 - 01.2018
- To understand the given customer details
- Check for all the important documents required for logging the case into the system
- Meet the customer personally at the customer business premises and understand the customer business models, customer ability and intention to pay back the loan
- Calculation of the DTI, ABB of the customer business through financials like balance sheet and bank account
- Understand the financial statements and underwrite the case in the system
- I basically underwrite all the loan products such as Personal loan, Mortgage loans, Enterprise Business loan, used car loan and gold loan
- I also carry out all the back end operation work like sending the files to vendor to check if the given documents by customer are genuine
- Closely work with the sales team and train them on any credit policy changes
Service Desk engineer
Mphasis
09.2013 - 06.2014
- Company Overview: Client location - Hewlett Packard Enterprise
- End to end maintenance of logistics and supply chain
- Monitoring of calls received by L1 engineers
- Call customers on quality check and making sure the promised quality has been met
- Reduce the D-sat customers and ensuring proper service has been provided by the concerned team to the customer
- Escalating to the L1 managers if the customer issue has not been resolved
- Interact with various team and region in order to ensure better quality and timely services has been provided to the customer
- Client location - Hewlett Packard Enterprise
Education
Post-Graduate Diploma - Finance & Marketing
MSRIM
Bangalore 09.2014 - 05.2016
Bachelor of Engineering - Biotechnology
BVBCET
Hubli 08.2009 - 05.2013
Skills
Credit analysis
Credit reports
Risk analysis
Application analysis
Collateral valuation
Underwriting guidelines
Property inspection
Achievements
- Awarded the Best MT award in HDB Financial Services for Entire Karnataka Region.
- Elected as student placement coordinator for two years during PGDM course.
- Received Extra Miler award during the quarterly R&R by HP.
- Have organized 'Phagocytosis', a food fest conducted by our department in March 2013.
- Have organized national tech fest PLEAIDES during engineering.
- Won 1st place in athletics (discuss throw and 100
- 4 relay).
- Have won 2nd place in carom (doubles) at college level (2011-2012).
Work Visa Status
- On Skilled Worker Spouse Visa, No sponsorship needed.
Timeline
Sr Credit Manger - Mortgage Loans
SMFG India
07.2019 - 10.2024
Assistant Credit Manger
Standard Chartered Bank
03.2018 - 07.2019
Branch Credit Manager (Branch lending - credit)
HDB Financial Services
06.2016 - 01.2018
Post-Graduate Diploma - Finance & Marketing
MSRIM
09.2014 - 05.2016
Service Desk engineer
Mphasis
09.2013 - 06.2014
Bachelor of Engineering - Biotechnology
BVBCET
08.2009 - 05.2013
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