Open to opportunities

Atul kumar verma

@atulkumarverma1

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Credit Officer specializing in Personal Loans, risk assessment, NPA management, and collections.

India

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What I'm looking for

I seek credit/risk roles in a compliance-driven banking environment where I can apply credit assessment, NPA reduction, and collections expertise, with opportunities for data-driven impact and clear career growth.

I am a Credit Officer specializing in Personal Loans, experienced in evaluating the creditworthiness of salaried individuals and conducting thorough credit assessments of applicants' financial backgrounds.

At Aditya Birla Capital limited (06/2023 - 03/2025) I focused on credit assessment, risk mitigation, loan underwriting, and policy adherence, leading NPA management efforts and coordinating collections to minimize losses.

I leverage technical skills including DBMS, SQL, Ubuntu/Linux, and Microsoft Office. I hold a Cyber Security Professional Certificate by EDUREKA and an Advance Diploma In Computer Application (ADCA), and completed a PostGraduateDiplomain Banking and Financial Services while attending industry seminars on Big Data Analytics and cashless economy.

Experience

Work history, roles, and key accomplishments

Credit Officer

Aditya Birla Capital Limited

Jun 2023 - Mar 2025 (1 year 9 months)

Specialized in personal loans by evaluating creditworthiness of salaried applicants through CIBIL and financial analysis to inform underwriting decisions. Managed NPA portfolios and collections, implementing recovery processes and ensuring regulatory compliance.

Financial Underwriting NPA Management Collections CIBIL Assessment Financial Analysis SQL