Anusha H
Cluster Credit Manager
Karnataka
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
2
2
years of professional experience
8
8
years of post-secondary education
3
3
Certifications
4
4
Languages
Work History
Cluster Credit Manager
SMFG India Credit Company Limited
6 2023 - Current
- Gained valuable insights into rural products (LAP and HT LAP) through immersive field visits to engage directly with the target customer segment
- Collaborated closely with the Product team to enrich offerings and policies, taking into account competitive analysis and adhering to RBI guidelines for Loan Against Property (LAP) products
- Possess a good understanding of Mortgage (LAP) Underwriting principles and evaluation of different customer profiles as per the company policy for credit risk management.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Used Finnone and CRM Next to perform credit appraisals, document verification and loan approvals.
Intern
Olam Food Ingredients India Pvt. Ltd
2022.07 - 2022.07
- Project: To identify the potential turmeric area, where farmer program can be initiated- which can meet EU compliance
- Finding out the POP of turmeric and the area under turmeric with IPM
- Finding out the potential turmeric area to start the backward integration program on turmeric.
Intern
Parijat Industries India Pvt. Ltd.
2022.04 - 2022.06
- Project: Analysis of Supply Chain Management of Competitor Company
- Analysis of the Forecasting Method and advanced method of Inventory management technique of competitors
Education
B.Sc. (Hons) Horticulture -
University of Horticultural Sciences
Bagalkot, India 2017.06 - 2024.05
MBA - Agribusiness Management
VAMNICOM
Pune, India 2022.06 - 2023.04
Skills
Credit analysis
Credit Underwriting
Cash Flow Analysis
Risk Analysis
Risk Assessment
Risk Management
Expertise in Finnone, Qlikview
Proficient in Kannada, English, Hindi, Marathi
Certification
MS Excel, Udemy, 2021
Positions Of Responsibilities
Cluster Credit Manager at SMFG and handling the team of 6, Member of Corporate Relations and Placement Cell, Member of Spardha Committee, Member of Hostel & Mess Committee.
Achievements And Activities
- Won first prize in photography competition conducted by MANAGE
- Awarded as best NSS Volunteer
Timeline
Intern
Olam Food Ingredients India Pvt. Ltd
2022.07 - 2022.07
MBA - Agribusiness Management
VAMNICOM
2022.06 - 2023.04
Intern
Parijat Industries India Pvt. Ltd.
2022.04 - 2022.06
B.Sc. (Hons) Horticulture -
University of Horticultural Sciences
2017.06 - 2024.05
Cluster Credit Manager
SMFG India Credit Company Limited
6 2023 - Current
MS Excel, Udemy, 2021
Fundamentals of Digital Marketing, Google, 2020
Banking and Financial Markets: A Risk Management Perspective, 2023
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