Bincy Mathew

Assessed the financial capacity of individual borrowers by reviewing income documents and applying
eligibility criteria.
• Evaluated CIBIL score to analyze repayment history, credit behavior, and risk indicators.
• Processed an average of 100 loan applications monthly, including high-value cases up to ₹4 crore,
ensuring compliance with internal policies.
• Reviewed supporting documents such as bank statements, income tax returns, and salary slips to assess
credit risk.
• Maintained clear communication with clients and internal teams to gather information and ensure
completeness of data for evaluation additionally maintained MIS reports and handled customer queries
related to disbursement.
• Applied knowledge of lending norms, income assessment techniques, and risk indicators to support credit
decisions.
• Gained hands-on experience in identifying red flags, inconsistencies, and early warning signals during
financial document review.
• Reduced average processing time by 20% by streamlining the document checklist

• Assessed the financial capacity of individual borrowers by reviewing income documents and applying
eligibility criteria.
• Evaluated CIBIL score to analyze repayment history, credit behavior, and risk indicators.
• Processed an average of 100 loan applications monthly, including high-value cases up to ₹4 crore,
ensuring compliance with internal policies.
• Reviewed supporting documents such as bank statements, income tax returns, and salary slips to assess
credit risk.
• Maintained clear communication with clients and internal teams to gather information and ensure
completeness of data for evaluation additionally maintained MIS reports and handled customer queries
related to disbursement.
• Applied knowledge of lending norms, income assessment techniques, and risk indicators to support credit
decisions.
• Gained hands-on experience in identifying red flags, inconsistencies, and early warning signals during
financial document review.
• Reduced average processing time by 20% by streamlining the document checklist

• Generating Leads for the food service (Manufacturing) business segment.
• Identify and develop new business growth opportunities through hard selling, networking, marketing, and
database leads.
• Worked with lead data to filter clients based on size and operations, helping understand business models
and customer types.

• B2B sales and research
• Strong capacity for multi-tasking, work independently and time management.
• Helped collect and organize basic client financial information for investment product recommendations.
• Observed how client profiles were matched with suitable financial products, improving understanding of
financial goals and risk levels.

• Prepared daily and weekly reports of inventory required and manpower utilization
• Reviewed store records