Anshul Prakash

Credit Evaluation / Assessment of Proposals / Personal Discussion with customer and visits to customer place and understanding Business Models, Customer needs and actual end use of loans, collateral visit and put for recommendations/ approval within TAT. Assessed customer creditworthiness and collateral adequacy in line with the organization's risk appetite and underwriting guidelines. Assessed customer business models, cash flows, and repayment capacity to support informed credit decisions. Maintained portfolio quality while delivering timely credit decisions within defined turnaround times (TAT). Monitored portfolio risk indicators including Bounce Rate, E-NACH, Early Delinquency, and PDD pendency.