BALASUBRAMANIYAN E.
Chennai
Summary
I want to work under professional management and I want to have challenges and confronting opportunities in my tasks so that I can improve my self-qualifiedly and quantitatively. All value addition in self esteem will be appreciated.
Overview
22
22
years of professional experience
Work History
Area Credit Manager
Cholamandalam Investment and Finance company Ltd.
06.2026 - Current
- Handling Credit and CPA team for the Credit process from login to underwriting and disbursement
- Recommending the cases within the TAT and with a good audit score
- Following the underwriting process without credit policy breach
- Valuation checking before the recommendation and legal checking before the disbursement for each and every file
- Crime check for more than 100 lakhs loan amt cases and corporate check for Private ltd cases before the recommendation and approval
- Collection trend analyzing based on the location and business profiles.
- Performing profiles and non performing profiles analyzing based on the industries.
- Collection visit for Earlier delinquent and bounce cases (within the 24 MOB cases)
- Followed up on collections and ENACH registration for technical rejection cases to facilitate resolution
- Coordinated with the collection team to resolve collection issues efficiently
- Conducted follow-up for PDD cases for disbursement cases
- Analyzing all kind of business oriented profiles with current marketing trends.
- Creating branches based on the requirements of location.
- Technical vendors, Legal vendors mapping and conducting performance meetings month on month including vendor bill payments and process implementation.
- Handling LAP product for Chennai, Chengalpet and Tambaram location Branches. Both Salaried, Self employed segment files.
- Visiting the Customer business premises for verification of business, Business activity, Income, Business stock & Stability and other income validation with given documents
- Business check and Residence check for PAR profiles
- Approving and cross checking vendor bills for payment process
- MOTD cancellation for the closed high value customers.
- Coordinate with branch operations team for disbursed files dispatch, query clearing within the TAT
- Managed as Branch credit Manager (from 16th May 2022 to Jun 2026) later promoted to Area Credit Manager.
- PD Authority up to 200 lakhs and approval authority up to 100 lakhs.
Branch Credit Manager
HDB Financial Services Ltd
11.2015 - 05.2022
- Handling Multiple products of PL, LAP, EBL and Auto Loans ( Used and New Car )
- Focusing on a quality credit underwriting process without a credit policy breach
- Maintaining file underwriting audit score rating in excellent
- Major focus on collection and resolution for branch risk rating as low
- Collection co-ordination with sales & collection team morning and evening for earlier resolution
- Collection and Branch MIS handling
- Valuation and legal initiation for Secured loan cases also tracking and checking for further process
- Recommending above level approval cases on TAT
- PD at Customer business premises (Cibil and Internal dedupe positive customer for all products)
- Physical Business activity, Income, Stability and other credit check with provided documents
- Business check and Residence check case will be got final decision for NTS & HRP profiles
- Internal audit check – Process, Operations and Credit policy related check
- Conducted cross-check of vendor bills for payment approvals
Branch Processing Officer (Credit Admin)
Fullerton India Credit Company ltd
07.2007 - 11.2015
- Preparing Credit Approval Memo (CAM)
- Disbursement Process : QC check for Disbursement Files, Coordinate with Central Ops for loan booking, Maintain FTR Score (First Time Right) 95%
- Maintained audit file review rating of 'A' consistently each month, ensuring compliance and quality standards.
- Achieved quarterly collection audit rating of A, demonstrating effectiveness in collection processes.
- Managing credit assessments
- Handling collection processes
- Login Process – Pre Screening for SAL & SELF employed cases and Pull out Cibil
- Preparing ABB (Average Bank Balance)
- Preparing Cash Flow Analysis for Salaried cases
- Eligibility check for Self employed cases
- Tele verification and Tele Pd for salaried cases, and Check with Field Investigation report
- Maintaining disbursement cheque issuance register, FI (Field Investigation) Report
- Co-ordinating with FCU (Fraud control unit). And maintain TAT level [1 Day].
- Reported daily business and credit MIS to branch and state managers, enhancing visibility of performance metrics.
- Maintain CPV & PD MIS for FI & PD bills payments
- Maintain deposited Cash and cheque detail ledgers with bank acknowledged receipts day wise
- Maintain overnight cash & Cheque detail register for after the bank deposit collections
- Walk-in and appointment cases payment Collections ( with separate register for analyze )
- Tele follow-up for PTP customers
- Maintain the collection MIS bucket wise [ 30, 60, 90, GCL and NCL cases ]
- Reporting Daily collection MIS to State Managers [ Collected & Non-collected Cases ].
- Policy and Process training taken for new comers
- Encouraging sales teams for good and quality sales (in the field)
- Supporting branch operations team for disbursed files dispatch within the TAT
Collection executive
Care and Cover Agency an associate of ABN AMRO Bank
02.2007 - 05.2007
- Conducted tele calling for payment collections from customers, ensuring timely follow-ups.
- Managed Bucket 1 and 2 cases for personal loans and overdraft accounts, facilitating resolution and repayment.
- Achievement - 80% of payment Collections in 2 months experience
- Maintained cash deposit and collection register, providing accurate tracking of financial transactions.
- Branch backend data updation with receipts
DTP designer
STAR GRAPHICS
12.2005 - 01.2007
- Created marriage invitations and covers to reflect clients' unique styles
- Designed visiting cards to enhance personal branding for clients
- Created banners for events
- Developed project designs for college students to support academic presentations
Field Assistant
Intermission Micro Finance Institution ( WSHG )
06.2004 - 09.2005
- Identifying the right client ( Like who doing mobile vegetable, Flower, Fruit and wet paste vendor )
- Tracked group activities to enhance participation and engagement among 10 to 20 members.
- Enrolled the group in an eight-week training class.
- Recommend them for loan after the verification (Who was really doing the small level business)
- Managed funding distribution and collected weekly payments during weekly group meetings.
- Maintaining the Ledgers & Records about each clients and every group
- Preparing Projects to Sponsors ( Helping Social Organizations )
- Conducting Industrial Training for Clients to business development
- Produced daily reports on group progress and client developments.
Education
M.A - Public Administration
Madras university
Chennai12-2019
B.A - Criminology and Police Administration
Madras university
Chennai05-2014
Board Hr. Sec Examination - 12th Standard
Pananthoppu Railway colony Hr. Sec School
Ayanavaram Chennai01-2004
Board S.S.L.C Examination - 10th Standard
St. Antony’s higher secondary school
Melnariyappanur Chinnaselam01-2002
Skills
- Credit underwriting
- Credit risk assessment
- Loan appraisal
- Credit analysis certification
- Financial analysis tools
- Data analysis techniques
- MS Office
- CAM preparation
Personal Information
- Date of Birth: 1987-03-06
- Nationality: Indian.
- Marital Status: Married
Languages Known:
To Read: English, Tamil, To Write: English, Tamil, To Speak: English, Tamil
Extra Curricular Activities:
- Interested in playing Foot ball, Cricket & Shuttle Cork
- Listening to Music and Travel
Disclaimer
I hereby declare that all the particulars furnished above are true to the best of my knowledge. Place: Chennai. (BALASUBRAMANIYAN.E)
PERSONAL PROFILE:
- Father Name : P. Elumalai
- Mother Name : E. Thangammal
Timeline
Area Credit Manager
Cholamandalam Investment and Finance company Ltd.
06.2026 - Current
Branch Credit Manager
HDB Financial Services Ltd
11.2015 - 05.2022
Branch Processing Officer (Credit Admin)
Fullerton India Credit Company ltd
07.2007 - 11.2015
Collection executive
Care and Cover Agency an associate of ABN AMRO Bank
02.2007 - 05.2007
DTP designer
STAR GRAPHICS
12.2005 - 01.2007
Field Assistant
Intermission Micro Finance Institution ( WSHG )
06.2004 - 09.2005
M.A - Public Administration
Madras university
B.A - Criminology and Police Administration
Madras university
Board Hr. Sec Examination - 12th Standard
Pananthoppu Railway colony Hr. Sec School
Board S.S.L.C Examination - 10th Standard
St. Antony’s higher secondary school