meghapurkait07
About Candidate
I’m a banking professional with hands-on experience in Credit Policy & Administration, currently working in the Housing Finance vertical. My expertise spans credit governance, vendor management, and policy execution, backed by a strong operational grasp of bill processing, technical vendor modifications, and CPV onboarding & Bill processing using Oracle EGL systems. With a structured and solution-oriented approach, I’ve consistently delivered efficiency in critical billing processes and ensured regulatory compliance. I specialize in credit policy formulation, risk assessment, and SOP documentation, and I am passionate about simplifying complex financial frameworks into actionable strategies. Certified in Risk Management from IIM, I have a strong inclination toward governance, internal controls, and process optimization. My exposure also includes managing the Wealth and NRI Channels, enhancing my cross-functional acumen.
Location
Education
1) Certified in Risk Management with a strong foundation in credit policy, internal controls, and regulatory compliance across core banking operations, including but not limited to home loans. 2) Coursework in Operational Risk, Credit Risk, and Market Risk has built a well-rounded perspective on risk across financial domains. 3) Actively engaged in peer learning and strategic policy discussions to sharpen governance acumen and stay aligned with evolving risk management practices across financial institutions. 4) Well-versed in the evaluation and application of risk models, with a deep understanding of their relevance in today’s dynamic regulatory and socio-economic environment.
1) Currently pursuing this advanced program to strengthen technical proficiency and complement my regulatory and policy expertise. 2) Focused on building skills in data interpretation, AI-powered decision tools, and real-time analytics to bridge the gap between traditional credit governance and technology-led transformation. 3) Gaining hands-on exposure in Salesforce (SFDC) and Loan Origination Systems (LOS) to deepen understanding of process automation and digital frameworks. 4) Driven to align credit risk and policy functions with emerging data-driven and scalable solutions for future ready banking.
1) Pursuing an MBA with a specialization in Banking & Finance, gaining strong academic grounding in credit lifecycle, borrower risk profiling, fraud prevention, and compliance in regulated environments. 2) Authored a research-based project titled: “A Comprehensive Approach: Managing Credit Risk & Fraud in the Home Loan Sector and Fintech Implementation in Banking” – which explored real-world challenges like risk exposure mapping, default probability, internal control frameworks, and the growing influence of fintech in automating fraud detection and risk monitoring. 3) This application-driven curriculum perfectly complements my work in credit underwriting, vendor governance, risk compliance, and policy execution in the Housing Finance vertical. 4) Currently expanding my skillset with certifications in Data Analytics, Generative AI, and Salesforce/LOS systems, aligning my career for future roles at the intersection of regulatory governance and technology transformation.
Designation: Probationary Officer (ICICI Bank)
Work & Experience
Spearheading credit policy implementation and vendor management processes across the HF vertical. Managing end-to-end vendor billing cycles, including technical vendor amendments, CPV onboarding, and Oracle EGL-based entries. Acting as a liaison between credit and operations to resolve escalations and streamline workflows. Recognized for structured, solution-oriented handling of policy execution and governance activities. Constantly upgrading domain knowledge via RBI circulars, internal policies, and cross-bank comparisons. Leveraging Risk Management Certification from IIM to align operations with evolving credit and compliance norms. Noted for clear, policy-driven communication and a strategic approach to process improvement.
Managed high-value home loan cases under Wealth and NRI segment, achieving consistent disbursal targets. Oversaw risk analysis, documentation, and case evaluation across legal, technical, and financial dimensions. Ensured end-to-end loan disbursal coordination, compliance, and client satisfaction. Collaborated with credit and operations teams to navigate approval challenges and ensure service efficiency. Maintained a zero-escalation record, driven by timely submissions, ownership mindset, and high process discipline. Demonstrated exceptional communication, client handling, and problem-solving skills.
