Summary
Overview
Work History
Education
Skills
Certification
Languages
Websites
Timeline
Generic

A R Adhi Sathya Selvan

Chennai

Summary

Dynamic Branch Credit Manager with a proven track record at Unico Housing Finance, excelling in credit analysis and risk assessment. Recognized for enhancing credit management processes and achieving a 100% loan utilization check completion rate. Adept at team collaboration and problem-solving, driving efficiency and customer satisfaction in financial services.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Branch Credit Manager

Unico Housing Finance
Chennai
11.2024 - Current
  • Used hedging to mitigate financial risks related to interest rates on company's borrowings.
  • Collaborated with legal department to resolve disputes and manage litigation related to credit issues.
  • Leveraged technology to improve the efficiency and accuracy of credit management processes.
  • Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
  • Analyzed financial statements, loan applications and credit reports for potential customers.
  • Established credit limits by analyzing financial information and assessing market conditions.
  • Coordinated with sales and customer service departments to align credit policies with business objectives.
  • Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
  • Conducted regular meetings with team members to discuss performance objectives and goals.
  • Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.

Branch Credit Analyst

Kinara Capital
Chennai
10.2023 - Current
  • Managed business loan amounts of up to 20 Lakhs PD Limit
  • Handled various types of loans including short term and long term loans, machinery purchase loans, machine asset hypothecation, and loan against property (LAP)
  • Achieved a file TAT of 1 Day Decision
  • Managed 1 to 9 month EMI buckets for FY 2023-2024 and 1 to 6 month EMI buckets for FY 2024-2025
  • Conducted a 6-month audit with zero queries in data entry errors, cash assessment, and KYC fabrication
  • Ensured 100% completion of loan utilization checks including Customer Utilization, Business enhancement, and End-use checks after 60 days of loan disbursal
  • Successfully restructured and processed reloans for customers requiring breathing time or EMI downsizing
  • Managed a branch portfolio with 563 accounts as of May 1st, 2024
  • Took over branch management responsibilities on November 1st, 2023, disbursing 50 loans totaling Rs 40,307,556 with a current POS of Rs 38,841,692.46 as of May 1st, 2024
  • Conducted thorough financial analysis of loan applications to assess creditworthiness and make recommendations for approvals or denials
  • Collaborated with branch managers and loan officers to review borrower financial statements, credit reports, and payment histories for compliance with lending policies
  • Identified and mitigated potential risks by analyzing market trends, economic conditions, and industry data for informed decision-making on loan approvals
  • Prepared detailed credit memos and reports outlining findings and recommendations for management review, ensuring accurate and timely decision-making on loan applications

Photographer / Sales Associate

Self-Employed
Chennai
06.2020 - 10.2023
  • Successfully managed and grew a photo editing business for three years while on a leave of absence from previous job
  • Utilized various software and tools under the guidance of a talented and experienced photo editor
  • Collaborated with diverse customers to provide high-quality and tailored photo editing services
  • Earned positive feedback and referrals, resulting in business expansion and acquisition of new clients
  • Effectively navigated challenges including meeting deadlines, managing payments, and addressing complaints
  • Proactively sought advice and guidance from mentor to overcome obstacles and ensure business success
  • Proudly supported father during his health issues while simultaneously honing photo editing and business management skills

Credit Relationship Manager

HDB Financial Services LTD
Chennai
12.2018 - 05.2020
  • Evaluated and approved loan applications for customers seeking financial assistance for various purposes
  • Received files from sales officers and conducted quality checks on documents before logging them in
  • Performed data entry and analyzed credit history, loan track record, and recent loans sanctioned by other financial companies through Cibil report
  • Conducted business field visits to assess various aspects of customer's business, including stock, nearby references, asset creation, loan obligations, cash flow, banking transactions, business stability, and market analysis
  • Prepared credit appraisal memo (CAM) based on customer fitment and sent approval mail with corresponding authority level
  • Ensured timely repayment of loans and customer satisfaction by following up with branch collections for current month, the 30+ bucket, and the first 12 months collection

Credit Relationship Manager

HDB Financial Services LTD
Chennai
06.2016 - 11.2018
  • Managed various operational tasks to ensure optimal customer satisfaction, including loan booking, cash transactions, and attending to walk-in customers
  • Collected and verified post disbursement documents (PDD) and efficiently processed vendor bills (BTS)
  • Cross-checked valuations of gold exquisite and proficiently handled both cash and gold valuation keys
  • Maintained compliance with labour acts and accurately indenting stationery
  • Entrusted with the responsibility of moving files to COPS for storage and audit purposes
  • Demonstrated exceptional accuracy, efficiency, and professionalism in performing these tasks
  • Achieved audit champion status for a consecutive 16-month period by successfully zeroing out file errors, showcasing dedication and high-quality work
  • Served as a training resource for new joinees in the Chennai Zone, highlighting strong leadership and communication skills

Process Associate

Accenture
Chennai
07.2015 - 05.2016
  • Processed file credit processes for the entire state of Tamil Nadu as a Process Associate at Janalakshmi Financial Services Ltd
  • Under Accenture, operating from Chennai as a HUB model
  • Efficiently received files from the FTP server and processed them in strict accordance with a first-in, first-out approach
  • Assessed cases and made recommendations, subsequently forwarding them to the appropriate branches for further action

Education

Bachelor of Science - Computer Science

Madurai Kamaraj University
Madurai, India
04.2013

Higher Secondary -

Sri Vidyalayam Matriculation Higher Secondary School
Madurai, India
06.2009

Secondary Education -

Windermere High School
Bengaluru, India
06.2007

Skills

  • Credit analysis
  • Risk assessment
  • Financial modeling
  • Credit reporting
  • Portfolio management
  • Team collaboration
  • Problem solving
  • Effective communication

Certification

  • 08/2012, Tamil Nadu Polytechnic College, Computer Hardware and Networking, I am certified in Computer Hardware and Networking from Tamil Nadu Polytechnic College. This certification validates my expertise in computer hardware components, troubleshooting, and network installation, and maintenance. It demonstrates my ability to effectively handle hardware and networking issues to ensure seamless operations in any IT environment
  • 09/2023, Great Learning, Financial Management, I have obtained a certification in Financial Management from Great Learning, a highly regarded authority in the field. This certification has equipped me with comprehensive knowledge and skills in managing financial resources, analyzing financial data, and making informed, strategic decisions

Languages

English
First Language
English
Proficient (C2)
C2
Tamil
Proficient (C2)
C2
Kannada
Advanced (C1)
C1

Timeline

Branch Credit Manager

Unico Housing Finance
11.2024 - Current

Branch Credit Analyst

Kinara Capital
10.2023 - Current

Photographer / Sales Associate

Self-Employed
06.2020 - 10.2023

Credit Relationship Manager

HDB Financial Services LTD
12.2018 - 05.2020

Credit Relationship Manager

HDB Financial Services LTD
06.2016 - 11.2018

Process Associate

Accenture
07.2015 - 05.2016

Bachelor of Science - Computer Science

Madurai Kamaraj University

Higher Secondary -

Sri Vidyalayam Matriculation Higher Secondary School

Secondary Education -

Windermere High School

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A R Adhi Sathya Selvan