Saurab Basak

• Lead credit appraisal and financial underwriting for a retail mortgage portfolio of INR 120 Cr, covering Home Loans and LAP.
• Perform in-depth financial statement analysis (P&L, balance sheet, cash flow) to assess borrower repayment capacity and
creditworthiness.
• Evaluate proprietorship firms on debt structure, asset quality, and growth trajectory to determine appropriate loan limits.
• Prepare detailed credit notes and sanction proposals for senior approval commitees, maintaining quality standards matrix
throughout.
• Designed and implemented AI-enhanced MIS dashboards in Power BI to track disbursements, delinquency trends, and
portfolio health in real time.
• Supported cross-sell initiatives using portfolio segmentation analytics, improving product penetration across the existing
customer base.
• Applied financial modelling techniques for INR 200+ Cr portfolio to assess risk-adjusted credit decisions and support
structured lending.

• Managed end-to-end branch credit operations including appraisal, legal due diligence, loan sanctioning, disbursement, and
post-disbursement servicing.
• Structured and underwriten construction finance deals for Category A developers, conducting cash flow modelling, ratio
analysis, and escrow-based funding structures.
• Performed financial risk grading for Home Loans and LAP, ensuring lending decisions aligned with institutional risk appetite
and regulatory guidelines.
• Prepared comprehensive credit memos and sanction notes for senior review commitees; maintained accuracy and
compliance across documentation workflow.
• Monitored credit quality, flagged early warning signals on stressed accounts, and coordinated remediation actions
proactively.

• Inaugurated and independently established a new Home Loan Centre, building the business from inception - driving client
acquisition, credit processing, and team performance.
• Led a team of 12 members across operations, sales, and credit functions, fostering collaboration and maintaining a culture of
excellence.
• Managed DSA channel partnerships, structured commission frameworks, and ensured alignment with credit policy and
approval authority matrices.
• Conducted real estate project valuations and compiled due diligence documentation as part of quality assurance processes.
• Ensured strict adherence to KYC, AML, and regulatory compliance requirements across all customer transactions and account
onboarding. Managed and grew an INR 36 Cr annual retail mortgage portfolio with 4.5% YoY growth through proactive credit monitoring
and portfolio analytics. Built new Loan volumes