Copy Writer Resume Example
Copy WriterHira Thakur
Thane, Navi Mumbai
Profile
Seeking assignments in Retail and Corporate Loans Solutions, Credit & Risk management, Enterprises Risk, Team Management, Audit and Compliance Management with a growth-oriented organization.
Education
MBAgrade-I - Division
Jan 2007 - Dec 2007MSCITgrade-I - Division
Jan 2005 - Dec 2005BCOMgrade-I - Division
Jan 2004 - Dec 200412thgrade-I - Division
Jan 2000 - Dec 200010thgrade-II - Division
Jan 1997 - Dec 1997Experience
Head Credit and RiskFDPL Finance Ltd. (FatakPay)
Nov 2025 - Jan 2026Strategically led the Credit, Risk, Audit, and Compliance functions for a INR 300 Cr AUM portfolio. Directly reporting to the CEO, I oversaw the end-to-end risk lifecycle for secured and unsecured retail and corporate products across Pan-India operations.
Credit Authority: Exercised individual approving authority of ₹500L for Commercial Vehicles, Auto Loans, and Construction Equipment (Retail & Corporate).
Policy Framework: Developed and implemented comprehensive Credit & Risk Policy Frameworks aligned with RBI norms, ensuring a sustainable, risk-averse lending environment.
Risk Oversight: Formulated and monitored Early Warning Systems (EWS) and real-time risk containment strategies; presented monthly updates to the Risk Oversight Committee and the Board.
Operational Excellence: Streamlined underwriting, hindsighting, and audit processes to align with the bank's credit philosophy while fostering business collaboration for transaction structuring and pricing.
Governance & Compliance: Managed regulatory reporting for rating agencies and regulators; spearheaded the implementation of industry best practices in data privacy, physical security, and cyber-risk in coordination with IT.
Portfolio Management: Conducted macro and micro-level performance tracking, utilizing stress-testing mechanisms for liquidity, interest rates, and digital collection systems.
Leadership: Mentored a cross-functional team of Credit, Policy, and Compliance officers to embed a robust risk culture across all organizational departments.
Dy. General Manager and Head Credit and RiskNICB (New India Co Op Bk)
Sep 2024 - Oct 2025Reports to General Manager and CEO of the bank.AUM Size 6K Cr.Approving Authority of Rs.500L for Retail and Corporate loans.Successfully handling the team of Credit, Policy, Audit, and Compliance for Pan India.Credit & Risk Policy Framework: Develop and implement risk management policies, ensuring compliance with RBI norms.Risk Analytics & Compliance: Conduct risk analysis, regulatory compliance, and audit management.Risk Reporting: Present monthly risk updates to the Risk Oversight Committee and senior management.Policy & Process Design: Formulate policies and procedures to mitigate risks in products and operations.Portfolio Monitoring: Track portfolio performance at macro and micro levels, reporting exceptions to top management. Risk Monitoring Mechanisms: Establish early warning systems, real-time monitoring, and risk containment strategies. Stakeholder Reporting: Ensure accurate and timely reporting to regulators, rating agencies, and leadership.Risk Evaluation: Assess financial proposals using risk analytics and contribute to key policy decisions.Transaction Sourcing: Develop a system to align transactions with the company's credit philosophy.Business Collaboration: Work with business teams for structuring, pricing, and execution of financial transactions.Underwriting & Quality Assurance: Set up policies and processes for effective credit underwriting.Working closely with the Functional Heads / Internal Audit & Risk Committee, and representatives of the board to create a sustainable risk-free environmentContinuously developing, enhancing and embedding the risk framework for managing risks across the organization, ensuring that processes are fit for purposePartnering effectively with third parties, regulatory bodies and others, as appropriate for risk management and fraud prevention related activitiesEnsuring the Governance and Risk Frameworks of the organization operates effectively, also ensuring that these frameworks are maintained and updated as approved by the top-level management and board of directors.Champion & facilitate implementation of Credit Underwritings, Risk Management, Policy and Processes, System across internal audit, fraud, compliance officer (CS) & Heads of the Departments.Exposure and Trends monitor & analyses risks and risk trends within business environment; monitor the resolution status and effectiveness of risk mitigating actions independently monitor management of all risk's aspects within businessManage technology risk through IT Team by providing vision, leadership, oversight and management of the organization physical and cyber security policies, procedures and practicesResponsible for ensuring the organization and its Partners implement industry best practices policies, procedures and practices that address physical security, cyber security, data privacy and protectionIdentify and report key risk metrics to Heads/ CEO / Board, including early warning indicators in credit risk, market risk indicators, and operational risk scores.Collaborate with the business to ensure that risks are identified, quantified, and appropriate action taken.Oversee the development/acquisition and effective use of models, scorecards, and other automated risk management tools.
S.V.P. Credit and Risk Pan IndiaDCB Bank
Oct 2021 - Aug 2024Reports to Head Credit of MSME.AUM Size worth 20K Cr for Secured loans. (Retail and Corporate)Approving Authority of Rs.400L for Retail and Corporate Banking Products.Successfully handling Pan India team of the zones.Establish product specific risk definitions and risk acceptance criteria Ensure that team is maintaining repository of product risk / fraud risk knowledge database Participate for Product Portfolio risk Management, Fraud Strategy, Settlement risk monitoring; development of stress-testing mechanism for liquidity, interest rate risks, credit risk and payment systems including digital collectionsWorking closely with the Functional Heads / Internal Audit & Risk Committee, and representatives of the board to create a sustainable risk-free environmentContinuously developing, enhancing and embedding the risk framework for managing risks across the organization, ensuring that processes are fit for purposePartnering effectively with third parties, regulatory bodies and others, as appropriate for risk management and fraud prevention related activitiesEnsuring the Governance and Risk Frameworks of the organization operates effectively, also ensuring that these frameworks are maintained and updated as approved by the top-level management and board of directors.Exposure and Trends monitor & analyses risks and risk trends within business environment; monitor the resolution status and effectiveness of risk mitigating actions independently monitor management of all risk's aspects within businessResponsible for ensuring the organization and its Partners implement industry best practices policies, procedures and practices that address physical security, cyber security, data privacy and protectionIdentify and report key risk metrics to Heads/ CEO / Board, including early warning indicators in credit risk, market risk indicators, and operational risk scores.Participate in the development of risk strategy and its relationship to the risk tolerance lead various risk review and assessment in organizationCollaborate with the business to ensure that risks are identified, quantified, and appropriate action takenOversee the development/acquisition and effective use of models, scorecards, and other automated risk management tools.
D.V.P.Bajaj Finserv Ltd
Oct 2018 - Sep 2020Successfully handling the team of West and North zones and reports to Head Credit.Approving Authority of Rs.100L for all products.AUM Size 90K Cr.Working closely with the Functional Heads / Internal Audit & Risk Committee, and representatives of the board to create a sustainable risk-free environmentContinuously developing, enhancing and embedding the risk framework for managing risks across the organization, ensuring that processes are fit for purposePartnering effectively with third parties, regulatory bodies and others, as appropriate for risk management and fraud prevention related activitiesChampion & facilitate implementation of Credit Underwritings, Risk Management, Policy and Processes, System acrossBFL in conjunction with internal audit, fraud, compliance officer (CS) & BFL HeadsExposure and Trends monitor & analyses risks and risk trends within business environment; monitor the resolution status and effectiveness of risk mitigating actions independently monitor management of all risk's aspects within businessmanage technology risk through IT Team by providing vision, leadership, oversight and management of the organization physical and cyber security policies, procedures and practicesResponsible for ensuring the organization and its Partners implement industry best practices policies, procedures and practices that address physical security, cyber security, data privacy and protectionParticipate in the development of risk strategy and its relationship to the risk tolerance lead various risk review and assessment in organizationCollaborate with the business to ensure that risks are identified, quantified, and appropriate action takenEstablish product specific risk definitions and risk acceptance criteria Ensure that team is maintaining repository of product risk / fraud risk knowledge database Participate for Product Portfolio risk Management, Fraud Strategy, Settlement risk monitoring; development of stress-testing mechanism for liquidity, credit risk and payment systems including digital collections.
Group A.V.P. & National Credit ManagerWestern India Finance Company Ltd
Apr 2016 - Sep 2018Reported to CEO and MD of the company.AUM Size 400K Cr.Approving authority Rs.200L for retail and corporate loans.Responsible for meeting with management on weekly basis.Portfolio discussion & details report submission to various investors.Had underwriting power of Rs.60Lacs for new and used loans.Handling team of 46 peoples of various departments like Credit & Risk, Hindsighting, Centralised Operations, Collateral Management, Risk Containment Unit & File Management.Handling 48 branches of various regions like Maharashtra, Goa, MP, CG, Gujarat, Rajasthan, Punjab & Delhi.Responsible to develop a risk management framework.Responsible to develop credit policy for various products.Ensure Portfolio Quality is maintained in line with profitability targets.Defining and implementing a Loan Review Mechanism.Analyzing performance and contributing to ROE by maximizing revenue and cost reduction measures.Implementing best industry practices for better control and management of portfolio./ Managing Fraud Risk through Risk Containment Unit.Create an efficient I4IS pack and analytics systems for better control and operational risk management.Use appropriate technology solutions to enhance productivity and efficiency, reduce cost and improve TAT.Ensuring effective vendor management for improving quality and reducing cost through vendor evaluations.Ensuring career growth for the team and retention of key critical resources.Implementation of ERM framework through Risk Bank and Risk committee.Ensuring compliance with all regulatory guidelines or requirements within the ambit of operation.Portfolio Quality, TAT, Productivity, Cost Management, Training & Development of team.Internal stake holders are Credit Underwriters, Risk, Collections, Operations, Sales, RCU, Policy, HR, Admin, IT.External Stake Holders are Customers, vendors, regulators, industry bodies etc.
Chief Manager Credit & RiskReliance Capital Ltd/Reliance Money/Reliance Consumer Fin.
Oct 2011 - Mar 2016Reported to Zonal Credit Manager.AUM Size 18K Cr.Had underwriting power of Rs.50L for retail products.Expert in Credit Administration (Pre & Post Sanction) involving Credit Appraisals, Verification of Documents, Sanction / Disbursement, delinquency analysis.Reviewing all monthly dashboards of Credit Team.Successfully healing 02 credit officers & 02 CPA of Nagpur & other spoke locations, appraising of high value loan proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans.Responsible for CAM recommendations, RISK compliances, PDD resolutions, personal discussion with clients.Conduct monthly training with Sales team to provide information about credit policy changes, how to fill up form, aware the customer about our policy at the time of sanctioning the loan, 1st call at the time of 1 EMI hit in to customer account for Reduction of Non-Starter.Ensuring branch profitability by satisfying the financial needs of the targeted customer's with multiple financial products such as ML/CV/CE/AL Loans, and Loan against Plant Machinery etc.Appreciation mails from Regional & National Risk Manager for good credit & FTR rating in last 06 months.Successfully handling Vendor management process as per policy.Deftness in handling overall functioning of processes & implementing processes in line with the pre-set guidelines.Possess comprehensive experience in managing activities related to auditing; skilled in the overseeing the preparation of Financial Statements, Preparing Cash Flow Statement, Initiate verification through agency, CIBIL, TVR (Tele verification) etc.Adept in sustaining a positive work environment that fosters team performance with strong communication and relationship management skills SpecialtiesSupervising Data Verification & Field Investigation to obtain accurate information.Executing operations for analyzing various data like Post Disbursement Documents (PDD) conducting Industry analysis, etc. Managing delinquency control; Keeping check on suspicious and fraudulent activities of channels.
A.C.M. CreditFullerton India Credit Company Ltd
Apr 2010 - Sep 2011Reported to Regional Credit Manager of west.Having underwriting power of Rs. 30L for new & Rs.15L for used/refinance vehicles.Attending the portfolio reviews at regional hub Indore within every 02 months.Successfully healing 03 credit officers of Nagpur, Pune & Nanded locations.Responsible for CAM recommendations, RiSK compliances, Collections, PDD resolutions, personal discussion with clients of Nagpur Pune & Nanded locationsConduct monthly training with Sales team to provide information about credit policy changes, how to fill up form, aware the customer about our policy at the time of sanctioning the loan, 1st call at the time of 1 EMI hit in to customer account for Reduction of NON- Starter.Ensuring compliance of the credit policies and procedures related to sanction and disbursement of loans along with achievement of business targets for the location.Ensuring branch profitability by satisfying the financial needs of the targeted customer's with multiple financial products such as LCV, MCV, HCV Loan, and Loan against Machinery etc.Verifying credit standing of customer from information in files, and approve or disapprove credit, based on predetermined standards.Monitoring credit subordinate team; following of Non-Starter & First Bounce customer and controlling the same. Handling delinquency cases of > 30, < 60 and assist to collections team for resolving the cases as per timeline. Appreciation mails from Regional & National Risk Manager for good credit & FTR rating.
Assistant Credit ManagerIndiabulls Financial Services Ltd
Apr 2008 - Mar 2010Reported to Area Credit Manager.Successfully complete the task of Nagpur clients for Commercial Vehicle & Tractor Loans business.Handled additional responsibility given by organization for CAI'4 recommendations for entire Maharashtra including Mumbai since Nov'2009 to June'2010.Responsible for CAM preparation, APS system data entry, Risk compliances, Contact point verification (FI), CIBIL generation, sampling, RCU, FCU, TVR, with 1 credit officer.Assisting to credit team members of Maharashtra i.e. 5 Credit Officers/2 Managers of Commercial Vehicle & Farmer equipment's business.Maintain TAT wise workstations & business IRR as per policy of the company for profitable business. Handled delinquency i.e. 30+ & 60+ within area and assist to collections team in resolving the cases. Monitoring and collection of post disbursement documents (PDD).Good coordination with collection/sale team members for Non-Starter cases to resolve as per timeline. Entire branches delinquency — maintaining collection numbers, penal target and misc collection.Compiled the data of Maharashtra hub i.e. Credit & Collection daily/weekly & monthly basis & reported to ACM & RCM.
Operations Officer retail loansHDFC Bank (erstwhile Centurion Bank Of Punjab Ltd)
Feb 2003 - Mar 2008Played a pivotal role in ensuring regularity of MIS and resolving customer service issues for entire NAGPUR, RAIPUR & Other 06 spoke Locations i.e. Vidharbha & Chhattisgarh.Features of working part i.e. Audit Compliances, Banking, Reconciliation of internal a/c's, Disbursement of loans. Successfully handling disbursements of Commercial Vehicle & Equipments, Housing products & other retail loans.Improvement in branch Audit Rating from C to A. Received appreciation mails from:Business Head for better audit rating, Regional Business Manager for revenue generation,Regional Operations Manager for online reconciliation, Area Sales Manager (CV/CE) for speedy disbursements & updation, Area Field Risk Manager for Collection support help desk & Customer service camp in spoke locations, Collections, Credit & Sales for providing timely services i.e. TAT wise.Responsible for various MIS report & making dealer payments after loan disbursement. Effectively handling customer query & their resolution to the satisfaction of customer.Managed the district areas Nagpur, Amravati, Bhandara, Chandrapur, Wardha, Yavatmal, & Akola.Responsible for day-day accounting & expenses management.Identified fraud cash receipts & put the same into the management.Cash collection & system accounting.Receipt & collection updating under Retail loan system. PDC & PDD management under Retail Loan system.Monthly Reconciliation of various collections accounts.Managing & co-ordination pre-matured loan termination.Preparing various MIS related to retails loan & branch management.Assisting to Collection & Sales Department for any quires regarding under KYC norms.Follow-up for outstations payments to Corresponding Banks.Revenue generated by issuing NOC & Other statement Charges.Developed good business relationship with dealers & customers.Main working features, preparing CAM, checking CIBIL, sampling, RCU, FCU, TVR, with customer. Responsible for all credit related part & MIS management.Identified one Fraud case prior disbursement.Co-ordination with Collections & Sales for Non-Starter cases.Managed the district areas Nagpur, Amravati, Chandrapur, Bhandara, Wardha, Yavatmal, & Akola.Handling T/w, CV/CE, PERSONAL LOANS & Other Consumer Durable loans.
Skills
Credit ManagementRisk ManagementAuditCompliance ManagementPolicyEnterprises RiskHindsightingLoan ProposalsRisk AnalysisClient CreditworthinessData VerificationField InvestigationLoan Sanction Turnaround TimePost Disbursement Documents (PDD)Industry AnalysisDelinquency ControlVendor AgenciesFraud ControlRisk MitigationRecovery StrategiesPayment DefaultsPortfolio MonitoringFraud Control AuditPortfolio HindsightingRisk Mitigation AuditQuality Standards AuditRoot Cause AnalysisRBI NormsEarly Warning Systems (EWS)Risk Oversight CommitteeUnderwritingRegulatory ReportingData PrivacyPhysical SecurityCyber RiskStress TestingLiquidityInterest RatesDigital Collection SystemsRisk CultureRisk AnalyticsRegulatory ComplianceAudit ManagementPolicy DesignProcess DesignPortfolio PerformanceRisk ReportingRisk Containment StrategiesStakeholder ReportingRisk EvaluationFinancial ProposalsTransaction SourcingBusiness CollaborationCredit PhilosophyTransaction StructuringPricingExecutionQuality AssuranceCredit UnderwritingMSME LoansVehicle LoansAuto LoansConstruction Equipment LoansIndustrial Machinery LoansStructured FinanceSecured LoansEquipment FinanceCollateral ManagementRisk Containment UnitFile ManagementLoan Review MechanismROECost ReductionVendor ManagementERM frameworkRegulatory GuidelinesProductivityTraining & DevelopmentInternal StakeholdersExternal StakeholdersCredit AdministrationCredit AppraisalsVerification of DocumentsSanction/DisbursementDashboardsFinancial StatementsCash Flow StatementCIBILTVR (Tele verification)Relationship ManagementTeam PerformanceAsset Backed FinancingCollectionsNon-Starter CasesFirst Bounce CustomerBusiness TargetsCommercial Vehicle LoansTractor LoansAPS systemContact Point Verification (FI)RCUFCUIRRCollection NumbersPenal TargetMISCustomer ServiceBankingReconciliationHousing ProductsRetail LoansAudit RatingRevenue GenerationOnline ReconciliationDisbursementsCollection SupportHelp DeskCustomer Service CampAccountingExpenses ManagementFraud DetectionCash CollectionSystem AccountingPDC ManagementBranch ManagementKYC NormsOutstations PaymentsNOCStatement ChargesBusiness RelationshipDealer Payments
Similar Examples
About this Copy Writer resume example
This is a real, recruiter-ready copy writer resume example you can use as a starting point. It is built the way a strong copy writer resume should be: a results-led summary, work experience framed around measurable outcomes rather than duties, and a skills section that names the tools and keywords a hiring team for this role screens for. Every section is laid out cleanly so an applicant tracking system can parse it, which is what gets a resume in front of a human in the first place.
Treat it as a structure to follow, not a script to copy. Keep the ordering and the way each bullet leads with an achievement, then replace the details with your own numbers and experience. When your draft is ready, run it through the free ATS check to confirm the formatting and keywords land before you apply.
How to use this example
- 1
Open it in the editor. Use this copy writer example as your starting layout instead of a blank page - the structure is already right for the role.
- 2
Swap in your own results. Replace each bullet with your achievements and quantify them - numbers are what make a copy writer resume stand out.
- 3
Check it against an ATS. Run your version through the free ATS check so you know the formatting parses and the right keywords are present.
Want more inspiration or ready to build your own copy writer resume?
Explore more
Resume examples by role
- Software Engineer ResumeExamples & templates
- High School ResumeExamples & templates
- Teen ResumeExamples & templates
- No Experience ResumeExamples & templates
- Law School ResumeExamples & templates
- Server ResumeExamples & templates
- Nursing ResumeExamples & templates
- Engineering ResumeExamples & templates
- Data Analyst ResumeExamples & templates
- Medical Assistant ResumeExamples & templates
- Sales ResumeExamples & templates
- Federal ResumeExamples & templates
Role-specific resume guides
Templates by style
Resume formats by country