surya autt

I am a seasoned credit professional with over nine years of hands-on experience in retail lending, personal loans, and auto loans, currently serving as a Branch Area Credit Manager at a leading private bank. I focus on credit underwriting for both salaried and self-employed clients, business verification, and preparing credit assessment memos (CAM) in line with company policy.

I lead branch-level credit decisioning, ensure rigorous due diligence, maintain TAT, and coordinate closely with sales and collections teams to improve portfolio quality and recoveries. My background includes an MBA in Banking and Finance and a Post Graduate Diploma in Banking, which underpin my technical understanding of credit processes and risk management.

I bring consistent delivery in credit recommendations, process adherence, and cross-team coordination, and I am eager to apply my expertise to roles that value disciplined underwriting, operational excellence, and customer-focused lending solutions.