PRIYANKA GAUTAM
Indore
Summary
Result-driven credit professional with 4 years of experience in mortgage underwriting, risk analysis, and team leadership. Proven ability to lead credit teams, streamline operations, and manage portfolio risk. Strong analytical mindset with a focus on compliance, decision quality, and process efficiency.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Hub Credit Manager (Sr. BCM) |
Svatantra Micro Housing Finance Cooperation Ltd
Indore
04.2023 - Current
- Streamlining credit process across Hub, ensuring efficient processing metrics.
- Leading a team of credit officers, streamlining key metrics such as processing numbers and TAT, and analysing and preparing MIS to monitor team performance.
- Conducting personal discussions with applicants for high-ticket housing loans. Evaluating loans from credit, legal, and technical perspectives to ensure compliance.
- Authorize loans up to Rs. 15 lakhs at regional level.
- Facilitating comprehensive training for sales and credit personnel regarding credit process.
- Assisting and resolving issues faced by the team.
- Responsible for maintaining credit MIS, portfolio performance MIS, collection MIS, Hub MIS, etc.
- Managing quality portfolio while tracking portfolio performance and branch delinquency.
- Handling telephone credit collections promptly and professionally, quickly resolving account issues.
- Ensuring CP compliance before disbursement.
Credit Manager |
Svatantra Micro Housing Finance Cooperation Ltd
Indore
09.2021 - 03.2023
- Conducted personal discussions (PD) with the applicants for a loan amount of up to Rs. 15 lakhs.
- Conducted field visits to analyse loan files and gather necessary information. Evaluated income levels and credit risks associated with loan applications.
Identified and addressed gaps in documentation to ensure comprehensive loan files. - Checking the authenticity of required documents, such as KYC, income documents, and banking documents.
- Responsible for resolving the queries of sales, and training the junior COs.
- Managing credit TAT and portfolio.
- Ensuring CP compliance before disbursement.
Privilege Banker |
ICICI Bank
Indore
04.2021 - 09.2021
- Generating revenue through privilege customers.
- Cross-selling of new products and services for both new and existing privilege customers.
- Achieving the sales target for CASA and other products.
- Maintaining a good relationship with customers.
Business Development Coordinator |
Puramate India Pvt. Ltd
Indore
08.2020 - 04.2021
- Managed the entire distribution network of the East region.
- Data Collection of FMCG Distributors and Super Stockists.
- Conducted field research and worked with distributors to improve market penetration.
Quality Assurance Assistant |
Central Analytical Laboratories
Indore
09.2015 - 07.2020
- Review the adequacy of samples received by the laboratory.
- Procurement of technical records.
Education
Master of Business Administration - Finance and Marketing
IBMR, IPS Academy
Indore, MP01.2020
Bachelor of Science - Biotechnology
Sanghvi Institute of Management & Science
Indore, MP01.2018
Skills
- Team Management
- Risk Assessment
- Loan underwriting
- Due Diligence
- Effective communication
- Cross-functional communication
- Loan authorization
- Data analysis
Certification
- FRM (Financial Risk Manager) - Part I Candidate
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
Hub Credit Manager (Sr. BCM) |
Svatantra Micro Housing Finance Cooperation Ltd
04.2023 - Current
Credit Manager |
Svatantra Micro Housing Finance Cooperation Ltd
09.2021 - 03.2023
Privilege Banker |
ICICI Bank
04.2021 - 09.2021
Business Development Coordinator |
Puramate India Pvt. Ltd
08.2020 - 04.2021
Quality Assurance Assistant |
Central Analytical Laboratories
09.2015 - 07.2020
Master of Business Administration - Finance and Marketing
IBMR, IPS Academy
Bachelor of Science - Biotechnology
Sanghvi Institute of Management & Science
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