Chippi Varughese
Trivandrum, Kerala
Summary
Management Professional with 11 years of experience in the Finance Sector, specializing in Credit Underwriting and Operations Management. Demonstrates expertise in Risk Assessment and Financial Analysis while thriving under pressure and adapting to dynamic challenges. Proven ability to excel both independently and within teams, contributing to enhanced organizational performance through a strong work ethic and positive attitude. Committed to delivering results that elevate the brand and drive success.
Overview
12
12
years of professional experience
Work History
Branch Credit Manager
ICICI Bank Ltd
Trivandrum
01.2024 - 08.2024
- Managed diverse retail credit portfolios including Mortgages, Personal Loans, Business Loans.
- Ensured comprehensive management of HL and LAP Loan accounts for diverse segments including Salaried, Self Employed, and NRI.
- Executed technical and legal clearance, Customer visits & PDs, PDD & OTC management, sanction conditions check, audit clearance, and TAT monitoring for smooth and effective disbursement operations.
- Identified and reported high valued fraudulent NRI Loan proposals and provided inputs on detailed due diligence.
- Conducted detailed financial analyses to determine creditworthiness of potential and existing clients.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Delivered recommendations through the management and post-disbursement analysis of early mortality accounts.
Branch Credit Manager
PNB Housing Finance Limited
Trivandrum
07.2017 - 12.2023
- Origination, review, processing, closure and administration of Salaried, Self Employed, NRI and Unnati [Affordable Housing] loan proposals.
- Examined financial status, creditworthiness, and property evaluations to assess loan feasibility.
- Provided support for pre/post-sanction and disbursement processes, including file login assistance, customer PD, credit assessment note preparation, sanction letter generation, post-disbursement documentation, etc.
- Collaborated with sales, management, and various departments to optimize operational efficiency. Optimized operations with on-time process and procedure evaluations.
- Reviewed Early Mortality accounts monthly to detect fraud and non-payment.
- Organized regular development workshops and policy education sessions for addressing policy updates for multiple teams. Participated in continuous professional training sessions for effective credit management.
- Ensured timely resolution of queries by working closely with the audit review team. Reviewed regularly to identify, categorize, and mitigate potential risks.
- Managed preparation, review, and distribution of daily work MIS.
Credit Manager
HDFC Limited
Trivandrum
06.2012 - 06.2016
- Worked in the Credit Hub [Operations Department] as an underwriter of Individual Resident and NRI Home Loans and Non-Housing Loans for various branches across South Kerala and Tamil Nadu.
- Handled various roles, including Loan Appraiser, Recommender, Double Checker, Trainer, Mentor and Loan Co-Ordinator.
- Functioned as NRI Co-ordinator for HDFC South Kerala Region.
- Specialized in detailed review and analysis of loans in the aspects of credit risk management, Turnaround Time (TAT) management, customer satisfaction, and branch growth monitoring through healthy interactions with inter- and intra-branch offices and external supporting service line partners.
- Coordinated training and coaching sessions for channel partners, service center staff, and cross-functional teams in Kerala and Tamil Nadu.
- Managed the generation and upkeep of daily MIS for internal teams.
- Efficiently handled customer queries and addressed grievances promptly.
- Concentrated on operational priorities while ensuring robust networking through timely stakeholder updates.
Education
MBA - Finance And Marketing
Rajagiri College of Social Sciences[MG University]
Cochin, Kerala01-2012
Bachelor of Science - BTECH- Electronics And Communication
Lourdes Matha College [Kerala University]
Trivandrum, Kerala01-2010
Management Studies
NET Certificate For Lectureship
University Grants Commission01-2013
GST Executive Course With Simulation Portal
Nergy Vidya Certificate For GST Executive Course
01-2024
Workshop On AI Tools
Skill Nation Certificate
01-2024
Skills
- Loan Underwriting
- Financial Analysis
- Policy Evaluation
- Customer Retention
- Credit Reports
- Data Analysis
- Portfolio management
- Collateral evaluation
- Audit Compliance
- Risk Analysis & Fraud Detection
- Cross Selling
- MS Office
Languages
Malayalam
First Language
English
Proficient (C2)
C2
Tamil
Elementary (A2)
A2
Hindi
Intermediate (B1)
B1
Arabic
Elementary (A2)
A2
PERSONAL ATTRIBUTES
- Excellent Verbal, Written and Interpersonal Communication skills
- Detail Oriented and critical thinking
- Skilled in team management, capable of leading teams and thriving in collaborative settings
- Adept in Time Management and Work Prioritization
- Quick learner, Proficient Multitasker
- Expertise in creating and conducting training modules and process orientation sessions
Timeline
Branch Credit Manager
ICICI Bank Ltd
01.2024 - 08.2024
Branch Credit Manager
PNB Housing Finance Limited
07.2017 - 12.2023
Credit Manager
HDFC Limited
06.2012 - 06.2016
MBA - Finance And Marketing
Rajagiri College of Social Sciences[MG University]
Bachelor of Science - BTECH- Electronics And Communication
Lourdes Matha College [Kerala University]
Management Studies
NET Certificate For Lectureship
GST Executive Course With Simulation Portal
Nergy Vidya Certificate For GST Executive Course
Workshop On AI Tools
Skill Nation Certificate
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