Amit Kumar Dubey
Branch Credit Manager | Housing & LAP Loans | 3+ Years in Credit Underwriting & Risk | Building Strong Portfolios | Financial Analysis | Aadhar Housing Finance | Ex-Grihum Housing Finance | Ex-Niwas Housing Finance
- Role
- Branch Credit Manager at Aadhar Housing Finance Ltd.
- Location
- Lucknow, UP, IN
- LinkedIn followers
- 500 followers
About Amit Kumar Dubey
Branch Credit Manager with proven expertise in credit underwriting, financial analysis…
Experience
Branch Credit Manager
Sep 2025 — Present · Lucknow, IN
Spearheading credit underwriting and appraisal of Housing Loan (HL) and Loan Against Property (LAP) proposals, ensuring strict adherence to internal policies and regulatory frameworks.• Conducting in-depth financial analysis, income assessment, and risk evaluation for salaried and self-employed profiles.• Leading personal discussions (PDs) with customers to validate repayment capacity and loan eligibility.• Preparing and finalizing Credit Appraisal Memorandums (CAMs), sanctioning proposals in line with defined credit norms.• Overseeing loan documentation and ensuring accuracy, compliance, and timely processing.• Collaborating closely with the Area Credit Manager (ACM) and sales team to drive branch-level credit and business growth.• Maintaining portfolio quality through proactive monitoring, low delinquency ratios, and early detection of risk signals.• Providing mentorship and guidance to team members on credit processes, underwriting standards, and compliance.
Education
Indira Gandhi Institute of co-operative management
Master of Business Administration - MBA
2021 — 2023
Dr. Ram Manohar Lohia Awadh University, Faizabad
Bachelor of science
2017 — 2020
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