---
title: "Prathmesh J. - Deputy Manager in Pune Division | Tal"
description: "Meet Prathmesh J., Student at Universal Business School, Karjat based in Pune Division."
image: "https://tal.club/meet/prathmesh-3/share-image"
---

# Prathmesh J\. on Tal

## Headline

Student at Universal Business School, Karjat

## About

Credit Manager with 1\+ years of experience specializing in home loan processing and risk management\. Proven ability to perform thorough credit appraisals, analyze complex borrower financials, and manage end\-to\-end loan documentation, ensuring \[100% compliance rate\] and handling a portfolio of \[more than 150 number of clients per month \] with a low default rate of \[e\.g\., <1%\]\. Seeking to leverage strong analytical, decision\-making, and client relationship management expertise to drive sustainable credit growth and optimize portfolio performance within a forward\-thinking financial organization\.

## Location

Pune Division

## Work experience

Deputy Manager at HDFC Bank, Jul 2024 \- Present · 2 yrs, Pune, Maharashtra, India, ​End\-to\-End Underwriting: Manage the full lifecycle of home loan processing from initial appraisal to final sanction\. ​Risk Mitigation: Evaluate complex financial profiles to determine eligibility, consistently upholding robust audit and compliance standards\. ​Portfolio Health: Analyze on\-ground delinquency trends and market data to provide strategic feedback to geography managers\. ​Process Optimization: Streamlined documentation workflows, significantly reducing the average loan approval turnaround time \(TAT\)\. ​Vendor & DSA Management: Oversee DSA handling, including billing, performance tracking, and regular quality audits\.

## Education

PGDM, Finance, General, UAi \- School of Management

Bachelor of Commerce \- BCom, Costing, Savitribai Phule Pune University

[View the original profile](https://tal.club/meet/prathmesh-3)

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