Naghul Hariharan
Branch Credit Manager
Tondiarpet
Summary
A diligent and detail-oriented professional, having completed Cost & Management Accountant (CMA) Inter at ICAI, with practical experience in accounting and finance. Proven ability in financial analysis, maintaining books of accounts, and managing financial operations, including significant achievements in sales growth and asset acquisition within a family business. Currently expanding expertise as a Credit Manager at Protium Finance Limited,
Knowledgeable Credit Manager with proven history of managing teams and improving operational efficiency. Successfully implemented processes that enhanced productivity and streamlined workflows. Demonstrated leadership and problem-solving skills in challenging environments.
Overview
9
9
years of professional experience
2
2
Languages
Work History
Deputy Manager, Credit Manager
Protium Finance Limited
01.2024 - Current
- Credit Analysis & Risk Assessment: Assessed creditworthiness and financial statements of potential borrowers to determine repayment capacity and associated credit risk.
- Credit Monitoring & Debt Recovery: Monitored performance of existing borrowers, addressed potential delinquencies, and oversaw debt collection efforts to recover outstanding debts. (Relevant for Accounts Receivable)
- Credit Policy & Underwriting: Contributed to developing credit policies and approved/declined applications based on established criteria.
- Collateral Management: Evaluated and managed collateral to secure credit facilities.
- Customer Relationship Management: Built relationships with clients to understand credit needs and resolve credit-related concerns. (Relevant for Accounts Receivable)
- Credit Reporting: Reported on credit metrics and performance to senior management.
Family Business Engagement
M/s Sree Bahavathi Stores
01.2017 - 12.2023
- Company Overview: (OWNED STORE SINCE 1995)
- Managed financial operations for a raw material supplier to the cot and sofa set industry across Tamil Nadu.
- Handled accounting and book-keeping activities, ensuring accurate financial records. (Relevant for Accounts Payable & Receivable)
- Implemented strategies that increased sales by 30% per annum.
- Managed stock and inventory based on economic order quantity to meet daily demand.
- Contributed to the acquisition of land and buildings, leading to owned business premises.
- Managed monthly turnovers averaging Rs. 20 lakhs.
- (OWNED STORE SINCE 1995)
Education
MBA -
ALAGAPPA UNIVERSITY
CMA FINAL (GROUP 3) - undefined
The Institute of Cost Accountant of India
01.2025
CMA FINAL (GROUP 4) - undefined
The Institute of Cost Accountant of India
01.2023
CMA (Inter) - undefined
The Institute of Cost Accountant of India
01.2020
B.COM (General) - undefined
R.K.M.V.C College
01.2017
H.S.C - undefined
P.A.K. Palaniswamy Higher Secondary School
01.2014
S.S.L.C - undefined
P.A.K Palaniswamy Higher Secondary School
01.2012
Skills
MS Office Suite (Advanced Level in Microsoft Tools)
Interests
Gaming
Outdoor games
Personal Information
- Father's Name: P.R. Hari Haran
- Date of Birth: 22/08/1996
- Marital Status: Single
Activities
- Secured 2nd Prize in Inter-college Badminton Tournament.
- 15 crores business generated for the Chennai location and the appreciation from the National Credit Head.
Disclaimer
I hereby declare that the above information is true to the best of my knowledge.
Timeline
Deputy Manager, Credit Manager
Protium Finance Limited
01.2024 - Current
Family Business Engagement
M/s Sree Bahavathi Stores
01.2017 - 12.2023
CMA FINAL (GROUP 3) - undefined
The Institute of Cost Accountant of India
CMA FINAL (GROUP 4) - undefined
The Institute of Cost Accountant of India
CMA (Inter) - undefined
The Institute of Cost Accountant of India
B.COM (General) - undefined
R.K.M.V.C College
H.S.C - undefined
P.A.K. Palaniswamy Higher Secondary School
S.S.L.C - undefined
P.A.K Palaniswamy Higher Secondary School
MBA -
ALAGAPPA UNIVERSITY
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