Viviyan Connor
Nagpur
Summary
Result-oriented Credit Profesional with over 15 years of experience in credit underwriting, risk assessment, and portfolio management for Home Loans, Loan Against Property (LAP) and Micro Business Loan (Secured ). Skilled in analyzing financial statements, creditworthiness, and market conditions to ensure sound lending decisions while balancing business growth and risk management. Proven expertise in managing multi-location credit teams, streamlining credit appraisal processes, and ensuring adherence to regulatory and internal compliance norms. Adept at coordinating with sales, operations, and risk teams to maintain healthy portfolio quality and reduce delinquency rates. Strong track record in credit policy implementation, high-ticket loan evaluation (Upto 3 Cr ), and customer relationship management, ensuring business profitability and sustainable growth.
Overview
1
1
Certification
Work History
Portfolio Credit Manager
Au Small Finance Bank
09 2023 - Current
- Taking Care of entire Vidharbha ,location includes Nagpur ,Bhandara , Gondia ,Wardha ,Chandrapur ,Amravati ,Akola ,Washim with 15 member of team size.
- Credit appraisal , underwriting , sanctioning (HL,LAP & MBL) with the sanction authority of Rs 35 & Bank exposure of Rs 50 Lacks (SENP& SALARIED).
- Risk assessment & mitigation strategies.
- Portfolio & delinquency management
- High-value loan evaluation (Retail & SME, Salaried customers)
- Compliance & regulatory adherence
- Process improvement & policy implementation
- Team leadership & multi-branch coordination.
- Stakeholder management (sales, operations, risk, legal , technical & audit).
- Audit for Sanctioned and Rejected cases as per bank per Bank policy and guidlines.
Branch Credit Manager
RBL Bank
02 2021 - 09 2024
- Credit Appraisal & Underwriting (HL & LAP) up to 3 cr loan amount for SENP & SALRIED profiles.
- Risk Assessment & Mitigation.
- High-Value Loan Evaluation (Retail & SME , Salaired)
- Portfolio & Delinquency Management.
- Financial Statement & Creditworthiness Analysis
- Regulatory & Policy Compliance (RBI & NBFC norms)
- Process Standardization & TAT Improvement
- Fraud Detection & Early Warning Signals (EWS)
- Cross-functional Collaboration (Sales, Ops, Risk, Audit, Leagla & Technical )
- Customer Due Diligence & KYC/AML Compliance.
- Strategic Decision-making & Problem Solving.
- Processing and co ordanation for disbursment.
- Time to time training of sales team for quqlity sourcing and policy knwoledge.
- Part of central co landing team for the co landing sanctioning.
Branch Credit Manager
Poonawala Housing Finance
07 2019 - 02 2021
- Credit Appraisal & Underwriting (HL & LAP) Upto 1 Cr for SENP & SALARIED profiles.
- Risk Assessment & Mitigation with pessonal discusion with clints.
- High-Value Loan Evaluation (Retail & SME & Salaried )
- Portfolio & Delinquency Management
- Financial Statement & Creditworthiness Analysis
- Regulatory & Policy Compliance (RBI & NBFC norms)
- Process Standardization & TAT Improvement
- Fraud Detection & Early Warning Signals (EWS)
- Cross-functional Collaboration (Sales, Ops, Risk, Audit, Legal & Technical )
- Customer Due Diligence & KYC/AML Compliance
- Strategic Decision-making & Problem Solving
- Pocessing and Co ordination for disbursment .
- Time to time training to sales team for quality sourcing and policy knwoldge .
Branch Credit Manager
Motilal Oswal Home Laons
09 2016 - 07 2019
- Credit Appraisal & Underwriting (HL & LAP) Upto 50 Lacks for SENP & SALARIED profiles for Vidharbha location includes Nagpur, Bhandara, Gondia, Chandrapur, Wardha ,Yavarmal ) with the sanction authority of 8 Lacks.
- Risk Assessment & Mitigation with pessonal discusion with clints.
- High-Value Loan Evaluation (Retail & SME & Salaried )
- Portfolio & Delinquency Management
- Financial Statement & Creditworthiness Analysis
- Regulatory & Policy Compliance (RBI & NBFC norms)
- Process Standardization & TAT Improvement
- Fraud Detection & Early Warning Signals (EWS)
- Cross-functional Collaboration (Sales, Ops, Risk, Audit, Legal & Technical )
- Customer Due Diligence & KYC/AML Compliance
- Strategic Decision-making & Problem Solving
- Pocessing and Co ordination for disbursment .
- Time to time training to sales team for quality sourcing and policy knwoldge .
Exicutive
Mahindra Finance
11 2015 - 09 2016
Exicutive
L&T Finance
08 2014 - 08 2015
Junior Officer
HDFC Bank
02 2013 - 11 2013
Managment Tranee
MOIL Ltd ( Gvt Undertaking)
08 2012 - 11 2012
Junior Accountant
Chakradhar Rice Mill
07 2011 - 06 2012
Accountant cum Computer Operator
Shambhu Transport Corporation
06 2010 - 06 2010
Back Office Executive
KEC International
03 2009 - 04 2010
Education
MBA , 3rd Sem Appearing - Finance & Accounting
Amity University
06.2021
Bachelor Of Commerce - Commerce
S N More College
06.2011
H.S.C - Commerce
RSSGK Agarwal Jr College
06.2006
S.S.C. - Commerce
Buti High School
06.2004
Skills
- Sales management
- Team building
- Loan processing
- Market research
- Strategic planning
- Portfolio management
- Financial analysis
- Lead generation
Languages
English
Advanced (C1)
Hindi
Native or Bilingual
Marathi
Professional Working
Certification
- Tally
- MSCIT
- DTP
Timeline
Portfolio Credit Manager
Au Small Finance Bank
09 2023 - Current
Branch Credit Manager
RBL Bank
02 2021 - 09 2024
Branch Credit Manager
Poonawala Housing Finance
07 2019 - 02 2021
Branch Credit Manager
Motilal Oswal Home Laons
09 2016 - 07 2019
Exicutive
Mahindra Finance
11 2015 - 09 2016
Exicutive
L&T Finance
08 2014 - 08 2015
Junior Officer
HDFC Bank
02 2013 - 11 2013
Managment Tranee
MOIL Ltd ( Gvt Undertaking)
08 2012 - 11 2012
Junior Accountant
Chakradhar Rice Mill
07 2011 - 06 2012
Accountant cum Computer Operator
Shambhu Transport Corporation
06 2010 - 06 2010
Back Office Executive
KEC International
03 2009 - 04 2010
MBA , 3rd Sem Appearing - Finance & Accounting
Amity University
Bachelor Of Commerce - Commerce
S N More College
H.S.C - Commerce
RSSGK Agarwal Jr College
S.S.C. - Commerce
Buti High School