Atul Jaiswal — Business Development Manager

I have Managed over a decade of credit operations, I have consistently balanced risk mitigation with business growth, including maintaining a personal credit sanction authority of INR 35 lacs. I specialize in underwriting Home Loans and Loan Against Property (LAP) proposals, ensuring all files meet rigorous credit policies while maintaining efficient disbursal timelines. Professional profile: With 11 years of experience across leading financial institutions, I bring a deep understanding of the end-to-end credit cycle. Currently serving as a **Territory Credit Manager at ICICI Home Finance**, I oversee complex risk analysis and portfolio health. My background includes pivotal roles at TATA Capital, Poonawalla Housing Finance, and ICICI Bank. 🛠️ **Core Competencies** * Credit Underwriting: Expert in risk analysis for Home Loan and LAP proposals and scrutinizing documents for policy compliance. * Operational Leadership: Managing the end-to-end process from personal discussions with customers to preparing Disbursal Memos (DM). * Stakeholder Coordination: Liaising with legal and technical verification agencies to ensure property document integrity. * Team Management: Directing team performance and conducting training for Sales Executives on product policies and CIBIL verification. 🎯 Value & Technical Skills: I am a self-motivated professional with a "win-win" attitude, skilled at setting effective priorities to meet strict operational deadlines. I am proficient in **Finacle and Libra software**, alongside advanced MS Excel and Power-Point. My approach combines technical problem-solving with a dedication to achieving long-term organizational goals. I am now looking to leverage my extensive credit and managerial experience in a new, challenging role where I can drive impactful financial results. Open to discussing how my experience in portfolio management can support your organization's growth.

Stackforce AI infers this person is a seasoned professional in Fintech with a strong focus on credit risk management.

Location: Prayagraj, Uttar Pradesh, India

Experience: 12 yrs