Poojita Kr

Manager Credit - Prime Hl & Lap Loans @Karur Vysya Bank(KVB)

Coimbatore, IN

Spearheaded credit assessment and underwriting for high-value loans, ensuring robust risk evaluation aligned with bank policy.* Evaluating & approving credit proposals for Retail & Commercial segments of HNW customers, Self employed, Salaried & NRI clients across ROTN (Rest of Tamilnadu) branches.* Managing a portfolio of loan ticket size from Rs. 1 crore to 20 crores, maintaining asset quality and low delinquency rates.* Ensured compliance with RBI guidelines and credit policy, achieving zero non compliance in consecutive audits.* Collaborated with sales, legal, and risk teams to fast-track credit decisioning, enhancing customer satisfaction.* Conducted financial analysis for diverse customers, tailoring loan offerings to risk appetite.* Trained and mentored credit officers, improving appraisal standards and team efficiency.* Redesigned credit appraisal templates, enhancing decision accuracy and consistency.

Sri Krishna Arts and Science College

Bachelor of Commerce - BCom

Kumaraguru College of Technology

Master of Business Administration - MBA