B. THIVAGAR
Summary
To seek career in your esteemed organization and contribute to the company in the positive way with the skills I possess and, in the process, gain my knowledge in the field of business development.
Overview
4
4
years of professional experience
Work History
Credit Manager
GROWXCD FINANCE
09.2025 - Current
- Credit Manager in secured LAP up to 25 lacs.
- Customer PD, Validation of legal documents and technical valuation and collection portfolio Maintaining.
- Collaborated with sales teams to align credit terms with customer needs and expectations.
- Managed credit risk assessments for loan applications and customer accounts.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Analyzed loan documents, including income, credit, KYC and other necessary documentations.
- Raising queries and pending documents list of sales for cases to case basis.
- Executed collection strategies for overdue payments through direct communication via phone, email, and letters, enhancing recovery efforts.
- Facilitated personal interactions with customers to tailor loan structures that meet their financial needs.
- Made underwriting decisions based on income, credit, and risk factors.
- Ensured rapid decision-making within the designated turnaround time (TAT).
- Experience in making CAM (Credit Assessment Memo) Sheets and Analyzing Individual Cibil Reports and Commercial Cibil reports in Detail.
- Updating the customers' data in Finnone.
- Demonstrated expertise in processing salaried and self-employed login files.
- Maintaining TAT in all stages of the process.
- Effectively managed the freezing process of final RTR sheets for transaction accuracy.
- Analyzing financial information and calculating various financial ratios.
- System based verification of customer KYC, Banking, Other demographic Checks.
- Coordinated preparation of external audit materials and external financial reporting.
Credit Analyst
FULLERTON
10.2023 - 08.2025
- SMFG INDIA
- CPA senior Executive- Business loan
Credit Processing Analyst
AXIS BANK LTD
09.2022 - 09.2023
- Teamlease staff
- CPA Junior Executive - HL
Education
B.COM -
Govt. Arts College (AUTONOMOUS)
Kumbakonam01-2021
HSC -
Native Higher Secondary School
Kumbakonam01-2018
S.S.L.C -
Sri KTV High School
Kumbakonam01-2016
Skills
- MS office packages
- Typewriting knowledge
- Accounting Skills
- Tally
Hobbies and Interests
- Writing Stories
Disclaimer
I hereby declare that all information provided is true to best of my knowledge and belief.
Languages
ENGLISH, TAMIL
Roles And Responsibilities
- Experience in making CAM (Credit Assessment Memo) Sheets and Analyzing Individual Cibil Reports and Commercial Cibil reports in Detail.
- Updating the customers data in Finnone.
- Good knowledge of salaried and self-emp login files.
- Maintaining TAT in all stages of process.
- Good Experience in Freezing Final RTR Sheet.
- Analyzing financial information and calculating various financial ratios.
- System based verification of customer KYC, Banking, Other demographic Checks.
Personal Information
- Father's Name: M. BALASUBRAMANIYAN
- Date of Birth: 09/24/99
- Nationality: INDIAN
- Marital Status: Single
Timeline
Credit Manager
GROWXCD FINANCE
09.2025 - Current
Credit Analyst
FULLERTON
10.2023 - 08.2025
Credit Processing Analyst
AXIS BANK LTD
09.2022 - 09.2023
B.COM -
Govt. Arts College (AUTONOMOUS)
HSC -
Native Higher Secondary School
S.S.L.C -
Sri KTV High School