Atul Tiwari

Experience

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  ICCS -Business Process Management Company

  Jul 2017 - Jun 2018

  Escalation supervisor

  Role and Responsibilities:• Dealing with calls in a highly professional manner and handling complaints in a diplomatic way. • Have been taking supervisory calls and managing irate calls or escalation calls and retaining the customers. • Appreciated for Best Quality Performance.

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  HDB Financial Services Ltd.

  Oct 2018 - Oct 2019

  Trainee

  Role and Responsibilities:• Overseeing the entire credit application process from initial login to disbursement, ensuring smooth workflow and timely completion. • Maintaining strict adherence to credit policy standards, ensuring consistency in underwriting decisions, and verifying the quality of collateral documents. • Taking accountability for business booking across various loan products including CD/DPL, PL, GL, and TW, ensuring targets are met and revenue goals achieved.

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  DJT Financial Services Private Limited

  Oct 2019 - Mar 2022

  Central Credit & Operations Lead

  Role and Responsibilities:• Supervise centralized loan processing and lending operations to ensure compliance with procedures, precision, and accountability. • Assume responsibility for business booking across diverse product categories including LAP, BL, PL, CV, and Microfinance Loans.• Design credit scoring models to evaluate risks and make well founded decisions on loan approvals or rejections, taking into account credibility and potential financial ramifications.• Develop credit scoring models to assess risks and make informed decisions on loan approvals or rejections, considering credibility and potential financial outcomes. • Offer recommendations and conduct PD for cases valued up to INR 50 Lac. • Manage post-disbursement activities such as data entry, cheque tracking, bank reconciliation, prepayment initiation, and obtaining management approval for refunds and charges waiver. • Collaborate with sales, RCU, and other departments to ensure smooth operations.• Manage vendor relationships encompassing F.I, valuation/technical, Legal, and Repo. Agency, among others. Show less

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  Indiagold

  Mar 2022 - Dec 2022

  Assistant Manager- Credit

  Role and Responsibilities:• Managing underwriting & decision-making processes for various types of gold loans (fresh, takeover, renewal/rebook cases). • Coordinate with partner banks/lenders to ensure smooth day-to-day operations. • Develop, review, and update credit policies to create effective credit scoring models. • Utilize credit scoring models to assess risks and make informed decisions on loan approvals or rejections, considering credibility and potential financial outcomes. Show less

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  Protium

  Dec 2022 - Mar 2024

  Credit Manager

  Role and Responsibilities:• Underwriting and decision-making for unsecured business loans. • Assessing the creditworthiness of individuals, companies, and institutions. • Gathering and analyzing financial data of loan applicants to evaluate risk. • Utilizing lending expertise to structure financing and negotiate terms with precise risk assessment. • Develop strategies to reduce past due accounts and increase customer payment behavior.

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  IIFL Finance

  Apr 2024 - now

  Credit Manager