Retail Credit & Lending Advisory

I need an Indian retail-banking specialist who can walk me through credit and lending practices in today’s market. My immediate focus is on the entire life-cycle of a retail loan—from product selection and eligibility calculation to documentation, underwriting, disbursal, and post-disbursal servicing. I want practical, up-to-date guidance that reflects RBI directives as well as the nuanced policies of leading public- and private-sector banks. The core deliverable is a concise, actionable brief (or call notes, if you prefer live sessions) covering: • Available credit & lending options for individuals, including typical interest-rate ranges, fees, turnaround times, and hidden charges. • End-to-end workflow recommendations that minimise processing delays and maximise approval odds. • A compliance checklist mapping KYC, income proof, CIBIL score thresholds, and other RBI norms. • Risk-mitigation tactics—e.g., structuring collateral, co-applicant strategies, and insurance tie-ins. I’m open to collaborating over Zoom, Google Meet, or detailed email exchanges—whatever lets you share real-world insights efficiently. A clear, well-structured summary document (PDF or Google Doc) will signal project completion.