Tulika N.
Credit Operations Manager
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Tulika N., based in Mumbai, is a seasoned professional specializing in the finance and real estate sectors. As an Operations Manager at HDFC Bank since February 2023, she excels in conducting end-to-end loan reappraisals for home loans, ensuring compliance with RBI regulations and internal credit policies. Tulika adeptly manages credit appraisal and risk assessment, evaluating applicant financial profiles to assess creditworthiness. Her expertise extends to financial analysis and mitigation of credit risks by collaborating with legal and credit teams. Prior roles include a Business Development Executive at Runwal Realty, where she successfully contributed to a project launch generating significant revenue and trained junior sales executives. Her skillful implementation of Salesforce CRM processes and development of MIS reports have consistently improved operational efficiency. Tulika holds a PGDM in Marketing from ITM Business School and a Bachelor's degree in Commerce from Prestige Institute of Management and Research.
Experience
Operations Manager
HDFC BANK · 2023 — PresentExecuted comprehensive loan re-appraisal for home loans while ensuring compliance with RBI regulations, internal credit policies, and audit requirements. Evaluated financial profiles of applicants by analyzing CIBIL reports, income documentation, credit scores, employment history, and debt exposure to assess creditworthiness. Mitigated credit risk through collaboration with legal, credit, and technical teams. Conducted reviews of legal title search reports to verify property ownership documentation, and negotiated structured loan terms with clients to align with credit policies.Business Development Executive
RUNWAL REALTY · 2022 — 2023Facilitated a successful project launch that generated revenue of ₹2 Cr. Mentored and trained junior sales executives to enhance team performance. Improved lead tracking and follow-up efficiency by implementing Salesforce CRM processes. Analyzed market trends to position products effectively and benchmark competitors. Fostered relationships with key stakeholders and clients, which enhanced brand visibility while developing MIS reports to monitor sales KPIs and identify areas for improvement.Digital Marketing Intern
SUMIPA TECHNO CONSULTANTS PVT LTD · 2021 — 2021Generated qualified leads through the INDIAMART platform, contributing to overall sales growth. Conducted market research to identify target customer segments and monitored emerging market trends. Enhanced brand visibility by managing social media platforms, which also increased audience engagement. Built and maintained strong client relationships to improve customer retention and drive repeat business.
Skills & Expertise
Education
- PGDM in MarketingITM Business School · 2020 — 2022
- Bachelor of Commerce (Honours)Prestige Institute of Management and Research · 2017 — 2020
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