Headline

Mortgage Underwriter | Credit Risk Specialist | Ex-PNB | Jumbo & Complex Loan Expert | DU/LP Certified | SQL | Power BI

About

I spent 11 years building a career in banking—handling credit, operations, and leadership roles. Then I lost it. Not because of bad luck, but because of mistakes I made early in my career. I take full ownership of that phase. That experience forced me to rethink everything—how I make decisions, how I take responsibility, and how I grow. Today, I am rebuilding from scratch with: • A deeper sense of awareness • Stronger accountability • Willingness to start again Professionally, I bring experience in: • Managing high-value portfolios (₹10Cr+) • Leading teams and driving performance • Improving processes and solving operational problems Personally, I’m focused on documenting my journey, learning continuously, and becoming better every day. If you believe in second chances and growth through action, we’ll get along.

Location

Bengaluru

Work experience

Mortgage Underwriter at Triad Square InfoSec, Mar 2024 - Present · 2 yrs 4 mos, Bengaluru, Drive credit decisions on residential mortgage files by balancing risk precision, investor compliance, and turnaround efficiency across high-volume underwriting pipelines Underwrite complex and exception-based borrower scenarios, including self-employed income structures, jumbo loans, layered risk profiles, and non-standard documentation cases Apply sharp credit judgment to structure viable approvals through LTV optimization, conditional stipulations, and enhanced income validation Protect portfolio quality by identifying red flags, fraud indicators, income inconsistencies, and repayment risks before loan approval Consistently deliver 95%+ audit-quality underwriting outcomes while maintaining strong adherence to investor and compliance guidelines Maintain 98% decision accuracy, ensuring documentation integrity and defensible underwriting rationale across every file Accelerate loan decisioning through effective use of DU/LP and LOS platforms, improving workflow efficiency without compromising risk standards Partner cross-functionally with processors and operational teams to resolve bottlenecks and keep files moving toward closure Leverage full-spectrum credit expertise—from origination to recovery—to make forward-looking underwriting decisions that strengthen portfolio performance

Senior Credit Risk Manager at PUNJAB NATIONAL BANK, Apr 2022 - Nov 2023 · 1 yr 8 mos, • Managed a ₹10 Cr distressed asset portfolio, reducing NPAs by 15% through strategic resolution and recovery actions • Conducted in-depth credit reviews to identify root causes of default, strengthening future underwriting standards • Led legal recovery actions under SARFAESI, minimising loss exposure and improving recovery ratios • Generated portfolio-level risk insights using MIS tools and data-driven reporting (SQL/Excel) • Developed backward-looking risk intelligence enabling better upfront credit decisions in underwriting roles

Senior Manager at PUNJAB NATIONAL BANK, Nov 2014 - Mar 2023 · 8 yrs 5 mos, Chennai, Tamil Nadu, India, Result-oriented banking professional with 10+ years of extensive experience in Credit Appraisal, Loan Processing, Documentation, and Risk Assessment across Retail, SME, and corporate segments. Proven expertise in end-to-end credit evaluation, loan underwriting, disbursement processes, and ensuring regulatory compliance. Skilled in analyzing financial statements, evaluating creditworthiness, and mitigating risk through effective documentation and due diligence. Adept at coordinating with internal teams, customers, and external agencies to ensure seamless loan processing and timely disbursements. Strong knowledge of RBI guidelines, KYC norms, credit policies, and banking regulations with a focus on process efficiency, audit readiness, and customer satisfaction.

Senior Manager at PUNJAB NATIONAL BANK, Nov 2014 - Mar 2023 · 8 yrs 5 mos, Chennai, Tamil Nadu, India, Developed annual branch business plans to drive profitability and business growth. Led a team of 8 employees, setting performance targets and ensuring achievement of sales, deposits, and loan targets. Conducted customer relationship management initiatives, including crossselling and up-selling products to enhance customer engagement. Ensured smooth branch operations by overseeing daily transactions, compliance checks, and cash management. Monitored NPA recovery and took proactive steps to control delinquency. Ensured adherence to RBI guidelines, KYC/AML compliance, and timely submission of regulatory returns. Liaised with regional and zonal offices for operational updates and strategy execution.

Bank Teller at State Bank of India, May 2013 - Sep 2014 · 1 yr 5 mos, Nizamabad, Telangana, India, Handled customer transactions, including cash deposits, withdrawals, cheque clearing, and fund transfers. Processed account opening and closing requests, ensuring proper documentation and KYC compliance. Addressed customer inquiries regarding products, services, and account statements. Ensured daily cash balancing, reconciliation, and timely submission of reports. Assisted with loan disbursement documentation and coordination with the credit team. Maintained accurate records and ensured all processes complied with internal policies and RBI regulations.

Operator at State Bank of Hyderabad, May 2013 - Sep 2014 · 1 yr 5 mos, • Managed customer transactions and assisted in loan processing and KYC compliance • Supported internal audits and document verification processes

Education

Bachelor of Engineering - BE, Electrical, Electronics and Communications Engineering, Avanthi institute of engineering and technology hyderabad

Bachelor of Technology, ENGINEERING, Avanthi Institute of Engineering & Technology