Jyotika Singh

Credit Underwriting & Risk Assessment:

• Evaluate loan applications (PL, SME Loans, etc.) to determine creditworthiness and financial risk.
• Analyze CIBIL reports, credit bureau history, income statements, and other financial documents to assess borrower eligibility.
• Ensure compliance with underwriting policies, company guidelines, and regulatory frameworks.
• Conduct daily team reviews on business projections, Team meetings, and activity plans.
• Track and facilitate loan disbursements as per plan.
• Identify high-risk applications and provide recommendations for loan approvals, rejections, or modifications.

Team Management & Leadership:

• Supervise and mentor a team of manual underwriters, ensuring productivity and efficiency in daily tasks.
• Assign and monitor monthly and daily targets, ensuring business goals are met.
• Conduct training sessions for new hires and provide continuous learning opportunities for the team.
• Review and improve underwriting procedures to enhance process efficiency and accuracy.

Operational Excellence & Compliance:

• Implement quality control measures to maintain high underwriting accuracy and minimize loan defaults.
• Implemented and managed Convox IVR setup, optimizing call workflows and analytics to enhance underwriting efficiency and customer interactions
• Ensure data accuracy in loan processing systems and oversee system-based verification of customer details.
• Collaborate with risk management, sales, and legal teams to streamline underwriting processes.
• Handle escalations and complex underwriting cases, providing expert solutions to resolve disputes.
• Monitor KPIs, turnaround times (TATs), and underwriting performance metrics, ensuring efficiency.

• Manual Underwriting of PL, LAP, and Business Loans
• Ensure thorough document verification, compliance checks, and eligibility evaluation before approval.
• Conduct CIBIL report analysis and review credit history, repayment behavior, outstanding liabilities, and debt-to-income ratio
• Identify high-risk profiles, fraud indicators, and potential defaults to make informed lending decisions
• Financial Background Verification & Telephonic Personal Discussion (PD)
• Customer Banking, Loan Credit Entry & System CAM Preparation
• Ensure data integrity and compliance with company policies while maintaining a high level of accuracy in loan processing.
• Share insights and updates with managers to track team performance, identify bottlenecks, and optimize underwriting processes.

• Processed loan applications, verified documents, and ensured compliance with banking policies before account/product activation.
• Customer Service & Relationship Management
• Efficiently handled customer inquiries through multiple communication channels
• Delivered exceptional in-branch customer service, assisting walk-in customers with account openings, deposits, withdrawals, and financial product inquiries.
• Provided guidance on banking services, investment options, and digital banking solutions, helping customers make informed decisions.
• Maintained and updated customer records related to account activations, KYC documentation, and financial transactions.
• Followed up on pending applications, document verifications, and approval workflows to enhance service efficiency.
• Backend Operations for Health Insurance, CASA, Gold Loans & Credit Cards.