OBJECTIVE :
To use the experience I have gained in financial analysis, managing financial tasks and coming up with cost-saving measures to enhance customer experience and build customer trust in a growing firm
EXPERIENCE : Period of May 2021 to till date
Presently I Am Working as Centralized Credit Manager – Business Loan (Un-Secured), Personal Loan, Mortgage, LAP & HL, JLG (Education Loan) in Shiksha Financial Service India (P) Ltd - Joined as a Centralized Credit Manager, Chennai
JOB PROFILE :
People management – delivering performance through people-supporting performance and development Recruit, hire, train, supervise, and develop branch staff in an effort to create strong team members that contribute to the success and growth of the Entire State
** Identify and assess credit and other risk areas.
** Carry out detailed and independent credit evaluation for underwriting.
** Client Visit to gather deal requirements , financial and other information necessary for underwriting and other inputs for performing quality analysis and thorough due diligence.
** Ensuring proper Compliance of company policies, Legal & regulatory regulations in loan sanctioning, disbursements and post disbursement process.
** Preparation and presentation of Loan Eligibility statements and key financial ratios to deduce Loan Eligibility.
** Preparing credit appraisal Memo.
** Having credit approval authority of Rs 50 lacs for LAP & Rs 3 lacs for unsecured loan.
** Analyzing and decisioning the cases within TAT of 3 days.
** Looking after more than 35 cases per month
** Underwriting Retail size cases up to 6 Cr.
Period of Mar 2019 to Apr 2021 Worked as Regional Underwriting Manager – Business Loan (Un-Secured), Personal Loan, Mortgage, LAP & HL in IDFC First Bharat Ltd -Joined as a Cluster Credit Manager
JOB PROFILE :
** People management – delivering performance through people-supporting performance and development
** Recruit, hire, train, supervise, and develop branch staff in an effort to create strong team members that contribute to the success and growth of the Entire Cluster
** Appraising the customer about their financial status and for their loan eligibility
** Preparation of CAM and approval recommend to Regional Credit Manager
** Checking Customer records and complete underwriting
** Preparation Cash flow Analysis
** Preparation of Credit Approval Memo and Approved up to 30L
** Underwriting Forward to Regional Credit Manager above 30L
** Post Documents collected and sent to disbursement. Processing files within TAT & FTR(First Time Write)
** PDD follow up and completed within TAT
** Maintained Branch delinquency as on date No Risk
** Checking the Loan End-use and Hind sighting after disbursement in Customer Place
** Reviewed accounts to classify delinquent and non-delinquent accounts.
** Intimated defaulters regarding non-payment or late payment of loan amounts.
** Applied codes, procedures and rules to enhance revenues and reduce debts,
** Gathered information on debtor’s assets, liabilities and employment.
** Responded to customer issues and complaints in courteous manner.
** Evaluated collections procedures to ensure compliance with regulations.
** Developed methods to locate defaulters easily.
** Initiated legal action against long time debtors and defaulters not conceding to company requests for settlement.
Period of June 2018 to Feb 2019 Worked as Cluster Head (Credit) – Mortgage, LAP, HL Business in Unimoni Financial Services Ltd Joined as a Cluster Head
JOB PROFILE :
** People management – delivering performance through people-supporting performance and development
** Recruit, hire, train, supervise, and develop branch staff in an effort to create strong team members that contribute to the success and growth of the Entire Cluster
** Appraising the customer about their financial status and for their loan eligibility
** Preparation of CAM and approval recommend to Zonal Credit Manager
** Checking Customer records and complete underwriting
** Preparation of Cash flow Analysis
** Preparation of Credit Approval Memo and Approved up to 50L
** Underwriting Forward to State Risk Manager above 50L
** Post Documents collected and sent to disbursement. Processing files within TAT
** PDD follow up and completed within TAT
** Maintained Branch delinquency as on date No Risk
** Reviewed accounts to classify delinquent and non-delinquent accounts.
** Intimated defaulters regarding non-payment or late payment of loan amounts.
** Applied codes, procedures and rules to enhance revenues and reduce debts,
** Gathered information on debtor’s assets, liabilities and employment.
** Responded to customer issues and complaints in courteous manner.
** Evaluated collections procedures to ensure compliance with regulations.
** Developed methods to locate defaulters easily.
** Initiated legal action against long time debtors and defaulters not conceding to company requests for settlement.
Period of June 2014 to June 2018 Worked As Branch Credit Manager –LAP, Mortgage, HL Business in Vistaar Financial Services Pvt.
Ltd - Joined as a Assistant Credit Manager
JOB PROFILE :
** People management – delivering performance through people- supporting performance and development
** Appraising the customer about their financial status and for their loan eligibility
** Preparation of CAM and approval recommend to Cluster Manager and State Credit Head
** Checking Customer records and complete underwriting Preparation
** of Cash flow Analysis
** Preparation of Credit Approval Memo and Approved up to 25L
** Underwriting Forward to Cluster Credit Manager above 5L
** Post Documents collected and sent to disbursement. Processing
** files within TAT
** PDD follow up and completed within TAT
** Maintained Branch delinquency as on date No risk
** Reviewed accounts to classify delinquent and non-delinquent accounts
** Intimated defaulters regarding non-payment or late payment of loan amounts.
** Applied codes, procedures and rules to enhance revenues and reduce debts,
** Gathered information on debtor’s assets, liabilities and employment.
** Responded to customer issues and complaints in courteous manner.
** Evaluated collections procedures to ensure compliance with regulations.
** Developed methods to locate defaulters easily.
** Initiated legal action against long time debtors and defaulters not conceding to company requests for settlement.
Period of Mar 2011 to June 2014 Worked As Sr Credit Officer –HL & LAP Business in Equitas Finance Joined as a Credit Officer
JOB PROFILE :
** Appraising the customer about their financial status and for their loan eligibility
** Preparation of CAM and approval recommend to Branch Credit Manager
** Checking Customer records and complete underwriting Preparation
** of Cash flow Analysis
** Preparation of Credit Approval Memo and Approved up to 35L
** Underwriting Forward to branch Credit Manager above 2L
** Post Documents collected and sent to disbursement. Processing files within TAT
** PDD follow up and completed within TAT
** Maintained Branch delinquency as on date No risk
** Reviewed accounts to classify delinquent and non-delinquent accounts.
** Intimated defaulters regarding non-payment or late payment of loan amounts.
** Applied codes, procedures and rules to enhance revenues and reduce debts,
** Gathered information on debtor’s assets, liabilities and employment.
** Responded to customer issues and complaints in courteous manner.
** Evaluated collections procedures to ensure compliance with regulations.
** Developed methods to locate defaulters easily.
** Initiated legal action against long time debtors and defaulters not conceding to company requests for settlement.
Period of Oct 2007 to Mar 2011 Worked as Sr. Accountant in Univercell Tele communication India (P) Ltd
JOB PROFILE :
** Cash collected from customers.
** All Bank transaction like cheque deposits, cash deposits, Cheque
** Collection status follow up.
** Preparation of Bank Reconciliation Statement Preparation of
** Monthly Trial balance
** Preparation of Annual Profit & Loss Account and Balance Sheet
EDUCATIONAL QUALIFICATION :
B.Sc ComputerScience New Collage /Madras 2003 80
12 th Std C.P.U.Hr.Sec School 2000 55
10 th Std C.P.U.Hr.Sec School 1998 61
TECHNICAL QUALIFICATION :
Type writing English passed Higher Grade –Distinction.
SKILLS :
** Exceptional attention to detail
** Prior experience conducting cost-benefit analysis
** Extensive experience in performing financial tasks
** Skilled in financial analysis
** Able to monitor portfolio for trends and warning signs
** Knowledgeable in cost-saving measures
** Good at delivering high level of customer satisfaction
** Able to interpret financial laws and maintain accurate documents
** Good analytical skills in problem-solving
** Able to aptly apply sound judgments to varying issues
** Able to meet deadlines
** Can work under pressure and with little or no supervision
** Experience in credit administration and loan approval procedures
COMPUTER SKILLS : Ms-Office: OfficeXP (Word, Excel Power Point)
PERSONAL DETAILS :
Father’s Name : Dhamodaran
Date of Birth : 12-01-1983
Nationality : Indian
Marital Status : Married
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