Pooja Kumari

Credit Manager (Mortgages) @ICICI Bank

Bengaluru, IN

Key Achievements• Achieved individual target by successfully appraising & disbursing 90 files of secured and unsecured products collectively, demonstrating exceptional time management & decision-making skills.• Conducted multi-product appraisals on a daily basis, ensuring thorough assessment & compliance with credit policies.• Spearheaded maximum appraisal of Mortgages as a base product on a monthly basis, with mortgages comprising 50, Personal Loans (PL) 30, Education Loans (EL) 5, & Car Loans 3, showcasing versatility & proficiency across diverse loan types.• Engineered substantial enhancements to the Turnaround Time (TAT) for both unsecured & secured loans, streamlining processes to expedite disbursements. Orchestrated the implementation of a pioneering policy, culminating in a noteworthy 20% surge in timely payments.• Generated significant revenue by effectively explaining the superior features of specific variants in home loans, resulting in the highest revenue generation of Rs 4 lakhs by disbursing a loan of Rs 2 crores in a single month, highlighting persuasive communication & sales acumen.Key Responsibilities• Conducted comprehensive ratio analysis to assess financial health and stability, aiding in informed credit decisions.• Evaluated creditworthiness and risks of clients through meticulous financial analysis & risk assessment techniques.• Drove revenue generation by recommending multiple loan product features to clients, maximizing profitability.• Monitored client payments and proactively addressed any discrepancies or late payments to ensure timely repayment.• Utilized effective communication and negotiation skills to establish mutually beneficial agreements with clients and stakeholders.• Maintained accurate records of loan applications, ensuring compliance with regulatory requirements and internal policies.• Reviewed and evaluated loan requests, ensuring alignment with organizational guidelines and risk tolerance.

Siksha 'O'​ Anusandhan University

Bachelor of Technology (B.Tech.), Electronics and Communications Engineering

Manipal Academy of Higher Education

PGDBS

Jaipur National University

Master of Business Administration - MBA, Finance