ANBARASU A
Ariyalur
Summary
With over 9 years 10 Months of experience in credit management and a passion for financial strategy, my track record includes leading teams to achieve significant reductions in bad debt and enhancing credit scoring efficiency. My vision and leadership in credit risk management have consistently resulted in improved financial metrics and strong company-wide collaborations.
Overview
10
10
years of professional experience
Work History
Branch Credit Manager (Secured & Unsecured)
IDFC FIRST BHARAT LIMITED
09.2019 - 05.2024
- Responsible for Credit Underwriting Credit appraisals of HL, LAP, MEL, PL, CV, and Tractor Loan
- Perform Credit and Reference Checks
- Manage credit quality and control delinquencies
- Meet Customer prior to Credit Approval
- Enforcement and adherence of the Company Credit Policy at the branch level
Credit Relationship Manager
HDB FINANCIAL SERVICES LTD
02.2018 - 09.2019
- Responsible for credit underwriting, credit appraisal of PL, EBL AND LAP Cross Sell
- Manage credit quality and control delinquencies
- Understanding of credit policy and processes
- Ensure 100% screening for new applications
- Managing sanction and post disbursement verification
Branch Credit Manager
SAMASTA MICRO FINANCE LIMITED
11.2016 - 02.2018
- Credit Executive performs the audit function, it's purely maker checker concept
- Credit Executive need to do surprise visit of GRT, He should cross verify with customers and to ensure GRT conducted as per norms
- Maintaining strong cash flows through efficient collections
- Credit Executive reporting to Area Manager of Credit
- Credit Executives need to send the report to HOD, if any deviation/lapses/Fraud found in branch and need to be update in P& M
Wealth Manager
VELLAARUKGFS/A Unit of IFMR Rural Channels and Services Private Ltd
08.2013 - 02.2016
- Company Overview: Financial Institution
- Educating the customer about the VELLAARUKGFS and our wealth management concepts through field works
- Providing the benefits SB No frills account, loan products through Axis bank and Insurance products through Bajaj Life insurance, Future General India
- Providing all services are standard KYC enrollment customers with which branch service area rural peoples only
- Maintaining the Documentation process day to day functioning
- Monitoring collection of repayments, making disbursement, passing entries in CMS/CBS, issuing receipts as applicable for all the products
- Achieving our branch business target
- Lead the daily ritual and serve process adherence and Wealth Managers
- Estimate and manage cash to ensure uninterrupted business and Cash managed in successfully at BOD&EOD
- Jointly visit field with trainee wealth manager, Wealth management and other product/process followed at the branch
- Finally, gathering the staff and discuss about the feedback and the promotion of service
- Loan Provided to JLG(Joint Liability Group), MEL(Micro enterprise loan), LSL(Livestock Loan), Individual Loan, Salary Loan, crop loan, and Gold Loan
- Financial Institution
Education
MBA -
Meenaakshi Ramasamy Arts & Science College
01.2017
BA -
DDE-Annamalai University
01.2014
DCH -
Meenaakshi Ramasamy Arts & Science College
01.2012
HSC -
Govt.Hr.Sec.School
01.2008
SSLC -
Govt.High
01.2006
Skills
- Financial Services
- Credit Management
- Sales
- MS Office
- Team Management
- Business Development
- Credit Risk
Personal Information
- Age: 32
- Father's Name: P. Annadurai
- Mother's Name: A. Ambusam
- Spouse's Name: A. Meena
- Date of Birth: 07/06/91
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Disclaimer
I hereby declare that the above said information is true and correct to the best of my knowledge and belief.
listening music, Cricket, spending time with family
My favorite hobbies are playing cricket and listening to music in my free time. listen to music when i get bored. Music refreshers my mind and soul it fills me with joy and peace. So its a best medicine whenever you feel likeare experiencing stress you need to listen to music it really releaves your pain and sorrow from you.
Languages
Tamil
English
Timeline
Branch Credit Manager (Secured & Unsecured)
IDFC FIRST BHARAT LIMITED
09.2019 - 05.2024
Credit Relationship Manager
HDB FINANCIAL SERVICES LTD
02.2018 - 09.2019
Branch Credit Manager
SAMASTA MICRO FINANCE LIMITED
11.2016 - 02.2018
Wealth Manager
VELLAARUKGFS/A Unit of IFMR Rural Channels and Services Private Ltd
08.2013 - 02.2016
BA -
DDE-Annamalai University
DCH -
Meenaakshi Ramasamy Arts & Science College
HSC -
Govt.Hr.Sec.School
SSLC -
Govt.High
MBA -
Meenaakshi Ramasamy Arts & Science College
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