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Asfar Noor

@asfarnoor

Credit and mortgage underwriter at Hinduja Housing Finance, assessing home-loan eligibility through credit, KYC, and income reviews.

India

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What I'm looking for

I'm transitioning to the UAE and seeking to apply my underwriting experience in the regional market. I'm researching UAE and GCC credit frameworks, including AECB, CBUAE, and MOHRE classifications.

At Hinduja Housing Finance, I screen home-loan applications and assess eligibility by reviewing credit, KYC, and income documents against company policy.

I discuss applications with customers and visit their businesses and residences to understand business stability and financial circumstances. I also assist the RCM with prudent credit decisions and coordinate disbursals with customers and sales.

As an Independent Financial Consultant, I provide credit planning, loan structuring, and eligibility advice to individual and SME clients. I assess financial risk and review documentation while researching UAE and GCC credit frameworks.

At Robinhood Insurance Broker Limited, I led underwriting operations across Central Ops and 10 branches, managing 16 underwriting professionals. At ICICI Prudential Life Insurance Company Limited, I progressed from Underwriter to Cluster Manager and handled underwriting, issuance, claims, and customer service across four branches.

Experience

Work history, roles, and key accomplishments

Current

Independent Financial Consultant

Current

Self-Employed

Dec 2025 - Present (10 months)

Providing credit planning, loan structuring, and eligibility advisory to individual and SME clients, leveraging 18+ years of underwriting expertise. Conducting financial risk assessments and documentation reviews, maintaining underwriting and compliance skills current during transition to UAE. Actively researching UAE/GCC credit frameworks (AECB, CBUAE, MOHRE classifications) to align competencies

Current

CLUSTER CREDIT MANAGER

Current

Hinduja Housing Finance

Nov 2021 - Present (4 years 11 months)

 Screening of home loan applications and calculation of eligibility considering company policy and
by reviewing customers Cibil,KYC and Income documents.
 Personal discussion with customer to judge business stability and financial understanding.
 Personal visits in all cases at business place as well as current residence of customer to have
understanding of scale of business and living condit

Insurance Advisor

Self-Employed

Jun 2020 - Nov 2021 (1 year 5 months)

Built and managed a freelance life and health insurance consultancy with 50+ clients, achieving full revenue self-sufficiency. Delivered customised insurance and risk solutions; adapted to remote service delivery during the pandemic period.

Underwriting Manager

Robinhood Insurance Broker Limited

Feb 2020 - Jun 2020 (4 months)

Led PAN-India underwriting operations across Central Ops and 10 branches, managing a team of 16 underwriting professionals. Reviewed files for AML/KYC risk flags and quality; improved processing output by over 200% within one month through training and workflow redesign. Recognised as Issuance Champion across all insurer partners for error-free, high-volume policy processing.

Cluster Manager Operations

ICICI Prudential Life Insurance Company Limited

Dec 2007 - Feb 2020 (12 years 2 months)

Cluster Manager Operations

Associate Operations Manager

ICICI Prudential Life Insurance Company Limited

Dec 2007 - Feb 2020 (12 years 2 months)

Progressed from Underwriter to Cluster Manager over 12+ years — North Odisha cluster (Balasore, Bhadrak, Baripada, Jajpur). Managed underwriting, issuance, claims, and customer service across 4 branches with a team of 5; drove persistency and ECS attachment initiatives. Owned financial underwriting, risk clearance, and issuance tracking across all stakeholders. Represented the company in IRDAI Omb