Summary
Overview
Work History
Education
Skills
Languages
Accomplishments
Affiliations
Personal Details
Declaration
Timeline
Generic
Balakumar Kamaraj

Balakumar Kamaraj

MIS and Credit Manager
Coimbatore,Tamil Nadu

Summary

Accomplished MIS Manager and Credit Manager with a robust background in steering strategic MIS initiatives while effectively managing credit operations. Proficiently aligns innovative technological solutions with business needs to enhance operational efficiency and drive growth. Adept at leading diverse teams, optimizing information systems, and developing credit policies to minimize risk while maximizing profitability. Demonstrated success in integrating MIS strategies with credit management, fostering seamless operations, and achieving organizational goals.

Overview

5
5
years of professional experience

Work History

MIS Manager

Kiara Microcredit Private Limited
Coimbatore
10.2020 - Current
  • Assisted senior management in developing strategic plans related to information technology initiatives.
  • Managed backup, user account and helpdesk systems.
  • Assisted for software integration for the company's hassle-free process
  • Coordinated with IT staff members to ensure that all applications are properly integrated into the overall system architecture.
  • Reviewed program plans to develop and coordinate activities.
  • Resolved any conflicts between departments over access rights or usage of resources allocated through the MIS platform.
  • Monitored system performance and provided recommendations for improvement.
  • Created reports from databases using MS Office and stored procedures.
  • Implemented changes in the MIS architecture based on changing business needs.
  • Reviewed established procedures to assess areas in need of improvement.
  • Coordinated with IT personnel on server maintenance activities that affect reporting processes.
  • Collaborated with other departments to understand their requirements for MIS reporting.
  • Consistently generating and analyzing reports to foster the ongoing advancement and development of the company.
  • Developed and maintained executive-level MIS reports for senior management.

Assistant Credit Manager

Kiara Microcredit Private Limited
Coimbatore
09.2021 - 01.2023
  • Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
  • Created the process flow for the Loan origination in the software for efficient flow.
  • Conducted periodic reviews of customer accounts to ensure accuracy of information in the system.
  • Reviewed loan applications, credit reports and financial statements to determine credit worthiness.
  • Conducted fundraising activities to secure necessary credit for upcoming ventures or initiatives
  • Analyzed financial data from customers to assess current creditworthiness and future repayment capacity.
  • Participated in due diligence for the company's fund raising.
  • Identified areas of risk in loan portfolios and developed strategies for mitigating such risks.
  • Contributed significantly to the development and implementation of the company's credit policy.
  • Prepared periodic reports detailing portfolio performance metrics for senior management review.

Customer Service Associate

Arvind Lifestyles Brands Limited
Coimbatore
10.2018 - 10.2020
  • Provided information about products and services available to customers.
  • Kept records of customer interactions or transactions, thoroughly recording details of inquiries.
  • Prevented key account losses by researching discrepancies and correcting problems.
  • Monitored customer satisfaction in all company products and services
  • Handled price checks, merchandise transfers and fitting room returns to keep store orderly and efficient.
  • Initiated friendly conversation with customers to determine level of assistance required.
  • Used product knowledge to suggest items to match client needs.
  • Unboxed new merchandise and restocked shelves in appealing and organized arrangements to promote items.
  • Completed day-to-day duties accurately and efficiently.

Education

Bachelor of Science - Computer Science

Government Arts And Science College
Coimbatore, Tamilnadu
05.2018

Higher Secondary - Computer Science

PSG Sarvajana HSS
Coimbatore, Tamilnadu
05.2015

Skills

  • Workflow Coordination
  • Project Coordination
  • Business Development Support
  • Infrastructure Development
  • Product Development
  • Security Improvements
  • Requirements Analysis
  • Credit Evaluations
  • Performance Improvements
  • Fraud Understanding
  • Risk Assessments
  • Risk Analysis
  • Performance Monitoring

Languages

Tamil
First Language
English
Upper Intermediate (B2)
B2
Hindi
Elementary (A2)
A2

Accomplishments

  • Won State Level UNLIMITED CRICKET Championship in Arvind Lifestyle Brands Limited.
  • Volunteer of YRC in Government Arts & Science College.
  • Certificate of Achievement in "JA CAREERS WITH A PURPOSE" in 2012 given by Junior Achievement of India

Affiliations

  • Passionate fitness enthusiast dedicated to promoting holistic well-being through consistent exercise routines, mindful practices, and a commitment to a healthy lifestyle
  • Passionate music enthusiast with a diverse appreciation for various genres and styles. A committed listener who finds joy and relaxation in the harmonies, rhythms, and stories woven into every note, fostering a deep connection with the artistry of sound.
  • Avid cricketer with a lifelong passion for the sport. A dedicated player who thrives on the challenges, teamwork, and the thrill of the game, embodying sportsmanship both on and off the field.

Personal Details

NAME                    : Balakumar Kamaraj

D.O.B                     : 14 / 05 / 1998

GENDER                : Male

NATIONALITY       : Indian

MARITAL STATUS : Un-married

FATHER NAME      : Kamaraj Natarajan

MOTHER NAME    : Usha Kamaraj

ADDRESS              : 190B, Elango Nagar, HUDCO Colony,

                                 Nehru Nagar West, Civil Aerodrome PO,

                                 SITRA, Coimbatore - 641014.

Declaration

I affirm that the information provided above is true to the best of my knowledge. I am committed to adhering to the organization's disciplinary policies and procedures.

Place :

Date  :                                                                                                  Balakumar Kamaraj

Timeline

Assistant Credit Manager

Kiara Microcredit Private Limited
09.2021 - 01.2023

MIS Manager

Kiara Microcredit Private Limited
10.2020 - Current

Customer Service Associate

Arvind Lifestyles Brands Limited
10.2018 - 10.2020

Bachelor of Science - Computer Science

Government Arts And Science College

Higher Secondary - Computer Science

PSG Sarvajana HSS
Balakumar KamarajMIS and Credit Manager