Arulpandi Manivel
Chief Manager- Credit Head
Srirangam
Summary
Seeking a dynamic and stimulating environment that offers challenges and growth opportunities. Driven to succeed and with a strong desire to advance in my career, eager to contribute skills and expertise to a company that values innovation and fosters professional development. Committed to achieving excellence, ready to take on new challenges and make a meaningful impact in a fast-paced and rewarding work setting.
Overview
12
12
years of professional experience
8
8
years of post-secondary education
2
2
Languages
Work History
Chief Manager- Credit Head
Jothi Housing and Mortgage Finance Private Limited
06.2020 - Current
- Analyzed and evaluated credit applications to determine risk and make informed decisions on loan approvals
- To managing the credit control team, ensuring the timely collection of outstanding debts, assessing creditworthiness, and maintaining positive relationships with clients
- Conducted regular credit reviews and monitored accounts to ensure compliance with company credit policies and procedures
- Collaborated with sales team to provide credit support and guidance on customer creditworthiness for new business opportunities
- I am managing more than the 10 Branches and Underwritten the cases up to 1Cr, I am the final authority to approval all the cases
- Coordinated all branches and provided additional support to do the business for high-volume cases
- Demonstrated quick decision-making skills
- Apart from the credit underwriter, I am the nodal officer for Consumer Cibil updating, National Housing Board- NHB data preparation, NACH, CERSAI & CKYC
Asst Manager- Credit- Agri
Catholic Syrian Bank
08.2019 - 11.2019
- Visit leads identified by RM/ Others, conduct personal discussion, to evaluate business and management related risk
- Conduct financial statement analysis including Ratio analysis and cash flow analysis
- Conduct credit rating of the borrower and the facilities extended
- Review the industry performance through external research reports
- Review property valuation reports and ensure compliance to valuation guidelines
- Submit proposals to the appropriate sanctioning authorities for sanction of the proposals
- TAT maintenance for File processing and Vendors tracking (Tech and Legal agency)
Branch Credit Manager- BCM
HDB Financial Services Ltd
12.2015 - 08.2019
- To do feasibility study on current and upcoming valuation about customers
- To Evaluate and analyze the customers profile to be sanctioned the loan amount (At the time of Personal Discussion-PD)
- To give the productivity for company as per company policy
- Retention of the customers by continuous communication to maintain long term business relationship with our company
- Credit manager to analyze the customer's pulse
- To maintain better portfolio (collection aspects) for respective branch
- TAT maintenance for File processing and Vendors tracking (FI-CPV, RIC, Tech and Legal agency)
- Effective & Peaceful team maintenance (Processed big-ticket files successfully) to manages all the things effectively
- To handle the products LAP, EBL, UCL, NCL, PL & PLI, and all products processed under Self & Salaries Employees
Customer service Officer- CSO
ICICI BANK LTD
08.2013 - 09.2015
- Demonstrate superior service delivery, individually as well as a Branch banking as a Cashier Roll
- Accountable for meeting of the service and productivity indicators by working in a team to ensure achievement of the service targets and standards to indicate my immediate boss
- Accountable for accuracy& timeliness in processing customers Satisfaction
- Building customer relationship through identifying customer needs and effective cross-sell process
- To achieve the targets successfully
- Specialized Area: Underwriting skills (Credit Analysis), Financial analyze, Marketing, Cash Handling as a cashier, Management level And Sales
Education
MBA - Finance & Marketing
A.V.C. College of Engineering
Mayiladuthurai, India 04.2011 - 01.2013
BBA - Accounting And Finance
D.A.A. College
Mayiladuthurai, India 04.2008 - 01.2011
HSC - Accounting And Commerce
S.H.S School
Melaiyur- Mayiladuthurai 01.2006 - 01.2008
SSLC - General Studies
S.H.S School
Melaiyur- Mayiladuthurai 01.2004 - 01.2006
Skills
- DOA (Diploma in Office Automation)
- MS-POWERPOINT
- MS-OFFICE
- PAGE MAKER
- PHOTOSHOP
Accomplishments
School first in Accountancy (198) in HSC during the Public Exam.
Extra-Curricular Activities
- Chief Operating Officer (CFO) of marketing club
- Participated in three MANAGEMENT MEETs
- Executive in GOOD LIFE card promotion scheme for HERO MOTO CORP
- Co-ordinate for DELTA GLOBAL CONNECT-2012 program
- Attended various camps in NCC
Specialized Area
- Underwriting skills (Credit Analysis)
- Credit Approver
- Financial analysis
- Marketing
- Cash Handling as a cashier
- Management
Summer Projects
Supreme Industries Ltd (Furniture's), Overall functions about to manufacturing the products.
Disclaimer
I hereby declare that the information furnished above is true and correct to the best of my knowledge and belief.
Personal Information
- Father's Name: Manivel S
- Date of Birth : 26/05/1991
- Gender: Male
- Marital Status: Single
Timeline
Chief Manager- Credit Head
Jothi Housing and Mortgage Finance Private Limited
06.2020 - Current
Asst Manager- Credit- Agri
Catholic Syrian Bank
08.2019 - 11.2019
Branch Credit Manager- BCM
HDB Financial Services Ltd
12.2015 - 08.2019
Customer service Officer- CSO
ICICI BANK LTD
08.2013 - 09.2015
MBA - Finance & Marketing
A.V.C. College of Engineering
04.2011 - 01.2013
BBA - Accounting And Finance
D.A.A. College
04.2008 - 01.2011
HSC - Accounting And Commerce
S.H.S School
01.2006 - 01.2008
SSLC - General Studies
S.H.S School
01.2004 - 01.2006
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