Profile Summary
Strategic credit professional with extensive expertise in underwriting, portfolio management, and risk governance within Affordable Housing and LAP segments. Adept at designing and implementing robust credit assessment frameworks, strengthening delinquency control mechanisms, and driving operational excellence through process optimization. Demonstrated ability to balance growth and risk by ensuring high-quality portfolio performance, reducing NPAs, and enhancing credit turnaround times. Skilled in stakeholder management, cross-functional collaboration, and leveraging data-driven insights to support strategic decision-making and sustainable business expansion.
Key Skills
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Employment History
Area Credit Manager at IndusInd Bank Ltd.
May, 2024 - Present
- Oversaw end-to-end credit underwriting for Affordable Home Loans and Micro LAP segments, ensuring adherence to internal credit policies and regulatory compliance.
- Led and guided branch credit teams across Rohtak and Karnal clusters, driving operational excellence and maintaining high portfolio quality.
- Evaluated borrower profiles, financials, and collateral to ensure sound risk assessment and informed credit decisions.
- Monitored delinquency trends, tracked NPAs, and initiated proactive measures for portfolio risk mitigation.
- Ensured timely completion of documentation by tracking OTCs, PDDs, and compliance checkpoints for disbursement readiness.
- Conducted customer personal discussions (PDs) to validate creditworthiness, business intent, and repayment capability.
- Maintained turnaround time (TAT) for credit approvals and implemented process improvements to enhance efficiency.
- Collaborated with sales, legal, and operations teams to ensure seamless loan processing and superior customer experience.
- Supported management in portfolio analytics, audit preparation, and policy enhancement to strengthen credit governance.
Territory Portfolio Manager at ICICI HFC Ltd.
April, 2018 - May, 2024
- Led comprehensive credit assessment and underwriting for Home Loans and LAP, ensuring robust risk evaluation and adherence to turnaround SLAs.
- Streamlined OTC/PDD exception management, driving swift closure and reinforcing documentation governance.
- Strengthened portfolio resilience through proactive risk analytics, delinquency control, and strict policy compliance.
- Collaborated cross-functionally with technical, collections, and RCU teams to safeguard portfolio quality and minimize credit risk.
- Spearheaded territory-level portfolio growth strategies, balancing business expansion with prudent risk management.
- Monitored and analyzed credit trends across the region to identify early warning signals and implement corrective measures.
- Drove process excellence by optimizing credit workflows, improving approval turnaround time, and enhancing customer experience.
- Built and maintained strong relationships with channel partners to drive quality sourcing and ensure sustainable portfolio performance.
- Implemented data-driven risk mitigation strategies, reducing early delinquency and improving collection efficiency.
- Led regular portfolio reviews and governance meetings with cross-functional stakeholders to align business and risk objectives.
- Championed automation and digital initiatives to enhance monitoring capabilities and improve underwriting accuracy.
Manager Accounts at Shree Balaji Urban Co-op Bank Ltd.
November, 2011 - March, 2018
- Prepared and filed regulatory submissions and key financial disclosures (audit, budget, compliance) within stipulated timelines.
- Oversaw treasury and transaction operations, including RTGS/NEFT processing and cheque clearing activities.
- Evaluated loan book performance, tracking early delinquency indicators to strengthen credit risk controls.
- Structured and presented credit proposals (CC, Term Loans, Auto, CV, FD OD, LAS) for board review and approval.
- Directed PDD governance, payroll administration, and investment strategies to drive operational efficiency and financial returns.
Article cum Audit Assistant at M.R. Daga & Co.
August, 2008 - November, 2011
- Executed tax strategy, calculated taxable income, and guided clients on investment planning to maximize tax benefits and ensure timely IT compliance.
- Compiled and submitted statutory audit reports u/s 44AB, tax audit statements, and TDS/Service Tax filings within regulatory deadlines.
- Managed tax assessment and scrutiny cases through precise documentation and regulatory adherence.
- Performed bank, PF, and coal mine audits, collaborating with clients for accurate bookkeeping and on-time reporting.
Education
Professional Degree (CA Intermediate)
The Institute of Chartered Accountant of India
Master Degree (Commerce)
APS University
2013
Bachelor Degree (Commerce)
APS University
2011
AMIT SINGH
Basic Details
Gender -
Male
Date of Birth -
1990-03-04
Marital Status -
Married
Languages
English
Hindi
Skills
MS Office - Word, Excel, PowerPoint, Outlook
Finnone, Idisburse, APS, Insurance Kit
CTS App, CMS App, Omni, I 360
Certificates
Diploma in Computer Application & Tally Software
Credit Skill Development
Institute Name: Virtuoskill and CRISIL institutes
Accomplishments
Certificate of Appreciation – ICICI Home Finance
Received a Certificate of Appreciation from ICICI Home Finance Company for outstanding performance and valuable contributions.
Interest and Hobbies
Interested in Cricket, Badminton and Football Game
Gardening and Practicing Yoga