Aju Avirachan

Credit Manager
Financials Analytical Specialist with experience in underwriting and data analysis. Detail-oriented and
methodical professional successful in developing in-depth understanding. Reliable team player with
excellent communication and problem-solving skills.

ajuavirachan.asm@gmail.com 8800235587 02.05.1996 https://www.linkedin.com/in/aju-avirachan

WORK EXPERIENCE SKILLS

Credit Manager ( Mortgage Underwriter ) Credit Analysis Quality Analysis
HDFC Bank New Delhi, India
Stakeholder Management
8/2020 – Present
Achievements/Tasks Project Management
• Detailed analysis of proposals and ensuring all credit checks as per policy
guidelines. Microsoft Office Team Player
• Follow up with business counterparts and other stake holders for pending
cases and FTNR reduction. Communication Skills
• Follow up with the business counterparts for housekeeping Parameters such
Competence for meeting deadline
as PD's / RC pendency / Mutation Checks / Overdue deferrals.
• Credit Visit to understand Non-Starters / EMR for RCA and coordination with Multi Tasking Decision Making
senior management.
• Ensure Credit TAT within benchmark & asset quality of individual portfolio.
• Reporting for management consumption / action on delinquency, portfolio
behavior, TAT, etc.
• Analyzing credit quality and ensuring Minimal PAR errors and ensuring Non-
starter and EMR is within Budget.
Certifications
• Providing feedback to regions on quality of applications and documentation.
• Provide complete requirement to IT & BTG teams to help line business and Coursera Certification
credit teams.
Advance Excel

INTERNSHIP
Hobbies/Interests
Accounting Intern
THOT Media Gurugram, India Playing Football
04/2019 – 06/2019 Listening Music
Achievements/Tasks Travelling
• Main focus on GST and GST return.
Cooking
• Reconciliation of various GST Input Tax Credit
• Analyze and Interpreting the financial statement of the company. Social Working

EDUCATION Languages
Apeejay School of Management English
PGDM 7.83 CGPA Hindi
Swami Shraddhanad College, DU Malayalam
B. Com 74.52%
St. Gregorios School
High School 83.75%