Radhika Aggarwal
Lead Finance Underwriter | Credit Risk Assessment | 4C-Based Valuation | Policy & Compliance
- Role
- Underwriter at Genpact
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Radhika Aggarwal
Lead Finance Underwriter with extensive experience in credit risk assessment, underwriting strategy, and policy governance. Detail-oriented professional with a proven track record of leading underwriting decisions, evaluating complex financial profiles, and ensuring strict compliance with internal policies and regulatory standards. Highly skilled in financial analysis, valuation, and risk mitigation through effective application of the 4Cs of Credit (Character, Capacity, Capital, and Collateral). Adept at balancing risk appetite with business objectives, mentoring underwriting teams, and driving sustainable portfolio growth through data-driven and prudent credit decisions.
Experience
Underwriter
Dec 2020 — Present
Conduct detailed evaluations of loan applications to confirm all required documentation is complete and accurate. Authenticate applicant details by reviewing income, employment background, credit history, and asset information to determine eligibility. Assess creditworthiness through comprehensive analysis of credit reports, credit scores, and overall financial standing. Analyse borrower financial data to calculate debt-to-income (DTI) and loan-to-value (LTV) ratios, ensuring alignment with underwriting standards. Ensure all loan approvals comply with federal and state lending laws, as well as internal and investor-specific guidelines. Detect and report discrepancies, potential fraud, or misrepresentation while maintaining full adherence to compliance standards. Coordinate with loan officers, borrowers, and internal teams to obtain clarifications, resolve issues, and maintain accurate documentation. Make sound underwriting decisions regarding approvals, denials, or conditional recommendations, providing clear stipulations where necessary.
Education
Kanha Makhan Public School - India
Intermediate, Business/Commerce, General
AGRA
Master of Commerce
Raja Balwant Singh (R.B.S.) College, Agra
Bachelor of Commerce, commerce
2017 — 2019
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