Chippi Mariyam Varughese

- www.linkedin.com/in/chippivarughese Core Competencies • • • • • • • • • • • • • • • Retail & Mortgage Loan Underwriting Credit Risk Assessment & Decisioning Financial Analysis Audit Compliance Policy Adherence & Portfolio Monitoring Regulatory Compliance Credit Reports & Credit Bureau Platforms Loan Origination & Management Systems (LOS/LMS) Data Analysis & MIS Generation Fraud Detection Customer Due Diligence (KYC, AML) Training & Development Operations Cross Selling & Customer Retention MS Office CHIPPI VARUGHESE Professional Summary Experienced Credit Risk Underwriter with 11 plus years of Managerial Level expertise in secured and unsecured retail lending specializing in mortgage loans. Highly skilled in financial analysis, fraud control, customer service and operational efficiency. Recognized for consistent track record in loan underwriting, risk mitigation and regulatory compliance, with a focus on optimizing processes and maintaining ethical standards. Adept in analyzing complex financial data and delivering accurate data-driven underwriting decisions for managing loan portfolios to support business growth. Dedicated to driving corporate success through collaborative leadership, cross-functional teamwork, efficient resource utilization and fostering strong client relationships. Work Experience Career Hiatus from Sep 2024 till date– Medical Emergency in family • • Engaged in continuous professional development during the break, including staying updated with my core field of expertise through online courses. Enhanced Time management and multitasking skills through balancing family care with personal and professional growth activities. Education And Training 2012 MBA: Finance And Marketing Rajagiri College of Social Sciences, Cochin, Kerala [MG University] ICICI Bank Ltd - Retail Credit Manager Credit Business Center, Trivandrum 01/2024 - 08/2024 • 2010 BTech: Electronics And Communication Lourdes Matha College of Science & Technology, Trivandrum, Kerala [Kerala University] 2013 NET Certificate for Lectureship Management Studies University Grants Commission 2024 -September GST Executive Course with Simulation Portal Nergy Vidya -MEPSC Certificate • • • • Managed diverse retail credit portfolios including Mortgages, Personal Loans, Business Loans, SHG and education loans. Ensured comprehensive management of Loan accounts for diverse segments including NRI, Salaried and Self Employed. Identified and reported high valued fraudulent NRI Mortgage Loan proposals and provided inputs on detailed due diligence. Conducted detailed financial analyses to determine creditworthiness of potential and existing clients. Evaluated and approved credit applications based on thorough financial analysis, risk assessment and client visits. Executed Loan Documentation, KYC checks, technical and legal clearance, Customer visits & PDs, PDD & OTC management, sanction conditions check, audit clearance, and TAT monitoring for smooth and effective disbursement operations. Delivered recommendations through the management and post-disbursement analysis of early mortality accounts. PNB Housing Finance Limited - Senior Credit Manager Languages Trivandrum Branch 07/2017 - 12/2023 Malayalam: First Language English: C2 • Proficient (C2) Tamil: • A2 • Elementary (A2) • Hindi: B1 • Intermediate (B1) Arabic: A2 Elementary (A2) • • • • Personal Attributes • • • • • • • • • • • • . Excellent Communication Skills (Verbal & Written) Strong Interpersonal & Teamwork abilities Supportive Leadership & Motivational Skills High Quality Customer Support Attention to detail & Accuracy Detail oriented & Critical Thinking Efficient Multitasking Time Management & Task Prioritization Strong Integrity & Ethical standards Resilient under pressure Strategic Problem solving Quick Learner Origination, review, processing, closure and administration of Salaried, Self Employed, NRI and Unnati [Affordable Housing] Mortgage loan proposals. Examined financial status, creditworthiness, and property evaluations to assess loan feasibility. Managed, handled, recommended and provided professional guidance on NRI Loan proposals for the institution across Kerala region, along with providing personalized financial solutions to NRI clients. Collaborated with sales, management and other departments to optimize operational efficiency. Supported operations with on-time documentation works along with process & procedure evaluations. Provided support for pre/post-sanction and disbursement processes, including file login assistance, customer PD, credit assessment note preparation, sanction letter generation, post-disbursement documentation, month-end closing procedures, etc. Organized regular development workshops and policy education sessions for addressing policy updates for multiple teams. Participated in continuous professional training sessions for effective credit management. Ensured timely resolution of queries by working closely with the audit review team. Reviewed regularly to identify, categorize, and mitigate potential risks. Managed preparation, review, and distribution of daily work MIS. Reviewed Early Mortality accounts monthly to detect fraud and non-payment and for restructuring decisions. HDFC Limited - Credit Manager Credit Processing Centre, Trivandrum 06/2012 - 06/2016 • • • • • • Worked in the Credit Hub as an underwriter of Individual Resident and NRI Home Loans and Non-Housing Loans for various branches across South Kerala and Tamil Nadu. Functioned as NRI Co-Ordinator for HDFC South Kerala Region by facilitating seamless communication between NRI Clients and the institution. Handled various roles, including Loan Appraiser, Recommender, Double Checker, Trainer, Mentor and Loan Co-Ordinator. Specialized in detailed review and analysis of accounts in the aspects of credit risk management, Turnaround Time (TAT) management, customer satisfaction and branch growth monitoring through healthy interactions with inter- and intrabranch offices and external supporting service line partners. Coordinated training and coaching sessions for channel partners, service center staff, and cross-functional teams in Kerala and Tamil Nadu. Efficiently handled customer queries and addressed grievances promptly.