Author: Vikramaditya Sen
Vikramaditya Sen
Vikramaditya Sen is a Chartered Financial Analyst (CFA) with over 12 years of experience in retail credit underwriting, mortgage pricing, and debt portfolio management across leading Indian commercial banks. His research focuses on External Benchmark Lending Rates (EBLR/RLLR), Fixed Obligation to Income Ratios (FOIR), CIBIL score rehabilitation, and mortgage processing.
VS Written by Vikramaditya Sen Fact-Checked Senior Credit & Lending Underwriter • Reviewed by Credit Policy Desk • 2026 RBI Directives Senior Credit Underwriter with over 12 years of experience in retail credit underwriting, mortgage pricing, and debt portfolio management across leading Indian commercial banks. His research focuses on External Benchmark Lending Rates (EBLR/RLLR), Fixed Obligation to Income Ratios (FOIR), CIBIL score rehabilitation, and mortgage processing. It is immensely empowering to be able to obtain credit easily when you need it. This credit allows you to meet the most pressing and urgent needs of the moment. However, the real cycle…