Indra Bhattarai

Experience

• 

  NIRA

  Sept 2020 - Aug 2024

  • Managed the team to ensure high-quality credit analysis.• Oversaw the credit analysis process, including review and approval of credit applications, and provided guidance and feedback to team members.• Developed and implemented new credit analysis procedures and methodologies.• Collaborated with other team members to share information and developed credit risk strategies.• Provided credit training and development to team members and other staff.• Tracked and reported team performance.• Conducted performance reviews and set performance goals for team.• Mentored the team members.• Identified and developed talent within the team. Show less • Taken care of day to day credit application flow.• Assessed customers' eligibility, creditworthiness, and risk involved in lending by using financial information, bureau report, and other alternative data sources.• Monitored customer demands and ensured customer satisfaction.• Found improvement areas and gave feedback regarding internal as well as external product.• Found improvement opportunities and Identified solutions by audit and case studies.• Analysed past performance of NPA and gave feedback to strengthen the credit assessment and underwriting.• Mentored and trained junior team members.• Participated in ad hoc and special tasks for process and policy improvements.• Taken care of daily campaign flow, calls, and customer follow-ups.• Worked with cross-functional teams.• Kept track and insights of daily and weekly flow by generating and circulating reports. Show less

  • Assistant Manager - Credit

    Sept 2023 - Aug 2024

  • Team Lead - Credit

    Nov 2022 - Aug 2023

  • Associate - Credit

    Dec 2020 - Oct 2022

  • Intern - Credit

    Sept 2020 - Nov 2020
• 

  KrazyBee Services Private Limited

  Sept 2024 - now

  Credit Manager - Business Loans

  • Underwriting digital business loan applications.• Conducting voice and video personal discussions to assess customer authenticity and validating business.• Gathering detailed information on inventory, liabilities, assets, profit margin, turnover, etc.• Analyzing customer banking and bureau history to evaluate income, business transactions, and debt serviceability.• Verifying system-fetched data against actual data for ABB, business credits, loan credits, EMIs, and utilization, and addressing discrepancies as needed.• Ensuring compliance with KYC requirements and regulatory standards (RBI).• Making decisions based on eligibility criteria and company policy. Show less