shivani Kumari

• Conduct comprehensive credit analysis on home loan and loan against property proposals, resulting in a 25% improvement in
risk assessment accuracy.
• Deliver timely and informative credit reports, enhancing client portfolio management and facilitating risk mitigation strategies
by 30%.
• Review and assess legal and technical documentation for collateral feasibility, achieving a 95% collateral compliance rate.
• Streamline vendor management processes to ensure timely report delivery, achieving service level agreements consistently.

• Lead and manage a team of 10 Credit Processing Associates (CPAs) and 5 Credit Managers overseeing
home loan and MSME / SME portfolios, applying delegated credit authority frameworks.
• Conduct comprehensive loan underwriting and credit risk analysis on Home Loan and LAP proposals,
improving risk assessment accuracy by 25% through structured credit scoring models.
• Ensure IFRS 9 / ECL compliance and NPL monitoring across the portfolio; review watch-list accounts and
implement proactive risk mitigation strategies reducing portfolio stress by 30%.
• Review and assess legal and technical documentation for collateral feasibility, achieving a 95% collateral
compliance rate with full KYC / CDD adherence.
• Deliver timely credit reports and MIS reporting; streamline vendor management processes ensuring SLA
adherence and improved client portfolio management.

• Led credit reviews for cross-national accounts, analyzing credit risks and ensuring creditworthiness across a diverse client base,
resulting in a 20% increase in approved cases.
• Utilized credit intelligence tools to identify and seize business opportunities, collaborating closely with relationship managers
and product teams to tailor financial solutions.
• Prepared detailed Credit Approval Memos and successfully presented cases for approval, increasing the approval rating by 15%
within delegated powers through rigorous due diligence.
• Engaged in innovative assignments such as Video PD and SFDC management to enhance customer profiling and risk
assessment processes.

• Led credit reviews and loan structuring for cross-national SME/MSME accounts — conducting debt
serviceability analysis (DSCR), credit risk assessment, and financial statement analysis, resulting in a 20%
increase in approved cases.
• Prepared detailed Credit Approval Memos (CAMs) and presented cases under delegated credit authority,
achieving a 15% improvement in approval ratings.
• Managed a team of 20 CPAs and Assistant Managers; consistently maintained top approval ratios in a team
of 45, demonstrating strong stakeholder management and leadership.
• Utilized credit intelligence and SFDC tools to identify business opportunities; collaborated with relationship
managers on client onboarding and retention strategies.
• Spearheaded Video PD initiatives and credit profiling enhancements; supported AML / KYC compliance and
CDD checks per regulatory policy.

• Performed end-to-end credit appraisals for LAP, Business Loans, and Home Loans with a 98% compliance
success rate, aligned to Basel III internal credit standards and regulatory guidelines.
• Conducted detailed ratio analysis, DSCR analysis, financial modeling, and compliance checks — improving
audit response times by 40% through streamlined frameworks.
• Facilitated comprehensive audit review resolutions, reducing compliance issues / NPL flags by 30%;
coordinated Concurrent Audit functions.
• Led Financial Perfios integration project improving digital lending data accuracy; prepared Information
Memorandums and ensured rigorous external credit checks.
• Maintained strict AML / KYC / CDD compliance on all credit files; contributed to policy-driven underwriting
standards for retail and business banking portfolios.

• Performed credit appraisals for LAP/BL/HL proposals, adhering to strict compliance standards and verifying client
creditworthiness with a success rate of 98%.
• Conducted detailed financial analyses and compliance checks, streamlining audit queries and improving response times by 40%
as per policy guidelines.
• Facilitated comprehensive reviews of audit findings and collaborative resolution, leading to a 30% reduction in compliance
issues noted during audits.
• Participated in significant projects such as Financial Perfios and Concurrent Audit Coordination to enhance internal control
mechanisms.