Bijo B R

Business Development Executive

Bengaluru, Karnataka, India4 yrs 7 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

3+ years in credit risk management and underwriting
Expert in assessing borrower creditworthiness
Advanced skills in SQL, Python, and machine learning

Stackforce AI infers this person is a Credit Risk Analyst with expertise in Fintech and data-driven lending solutions.

Contact

Skills

Core Skills

Credit Risk AssessmentLoan UnderwritingKey Account ManagementCustomer Service

Other Skills

ANSYSAutoCADBusiness ValuationCATIACommunicationData AnalysisDie CastingFinancial modelsFraud PreventionInterpersonal SkillsIssue ManagementLoan AuditingManufacturing Process ImprovementNegotiationPTC Creo

About

Highly skilled Credit Risk Analyst Personal Loan Underwriter with 3+ years of experience in unsecured loan underwriting and credit risk management. Proven ability to assess borrower creditworthiness, mitigate risk, and deliver data-backed lending solutions. MBA in Finance & Operations, with advanced skills in SQL, Python, Power BI, and machine learning. Adept at analyzing financial statements, risk ratios, and compliance requirements while ensuring timely loan processing and portfolio quality improvement -Credit Risk Assessment & Underwriting (Personal Loans | Unsecured Lending) -Loan Origination & Processing | Underwriting Guidelines | Compliance -Financial Statement Analysis | Debt-to-Income Ratio | Collateral Evaluation -Risk Management | Fraud Detection | Consumer & Commercial Lending -SQL | Python | Power BI | Machine Learning | Data Analysis -Leadership & Collaboration | Client Relationship Management | Portfolio Monitoring

Experience

Finnable

Credit Analyst

May 2022 – Present · 3 yrs 10 mos · Bengaluru, Karnataka, India · On-site

Loan Underwriter | Thorough Credit Evaluations | Employment Verifications | Fraud Prevention | Loan Amount Determinations | Applicant Company Categories.
In this Job, my expertise lies in meticulously evaluating loan applications to ascertain the creditworthiness of applicants. Through a thorough and comprehensive assessment, I analyze various critical factors essential for loan approval, guaranteeing the financial security of both the applicants and the company. This includes reviewing credit history, conducting employment verifications, validating salary credits, preventing fraud, evaluating applicant company categories, determining appropriate loan amounts based on income and FOIR, and verifying applicant officer and resident reports. By carefully considering these aspects, I ensure responsible lending practices while delivering a seamless borrowing experience for our customers.

Loan AuditingRisk AssessmentFraud PreventionInterpersonal SkillsCredit Risk AssessmentLoan Underwriting

One97 communications limited

Associate- Key Account Manager

Aug 2021 – May 2022 · 9 mos · Chennai, Tamil Nadu, India

Mid-Market Specialist in POS Device | Key Account Manager | Paytm Advertisement Upselling | Relationship Builder with HDFC and ICCC Banks.
Results-driven professional with extensive experience in POS rental for mid-market merchants in Chennai. I excel in managing the end-to-end process of POS rental, from initial onboarding to ongoing support. Proven track record in effectively managing POS rental operations and providing exceptional customer service to merchants. Skilled in resolving issues promptly and efficiently, ensuring a seamless experience for clients.
Demonstrated success in upselling Paytm advertisement services to merchants, enabling them to enhance their brand visibility and drive revenue growth. Proficient in building and maintaining relationships with key stakeholders, including HDFC and ICCC banks, to facilitate the smooth release of Terminal ID (TID) and Merchant ID (MID) for newly onboarded merchants. I am passionate about contributing to the growth and prosperity of mid-market merchants in Chennai.

Interpersonal SkillsIssue ManagementRelationship DevelopmentKey Account ManagementCustomer Service