Deepak R
Credit Analyst
Chennai
Summary
Experienced Credit Manager with a keen eye for details and a decade of experience in the financial industry. Exceptional organizational skills, capable of handling multiple tasks with precision. Dedicated to improving policies, processes, and ensuring customer satisfaction through efficient financial services.
Overview
10
10
years of professional experience
13
13
years of post-secondary education
2
2
Certificates
Work History
Cluster Credit Manager
Indian School Finance Company Pvt Ltd
Chennai
11.2022 - Current
- Team Management: Successfully managed a team of 5 Area Credit Managers covering Tamil Nadu and Karnataka regions.
- Loan Underwriting: Expertly underwrote loans for diverse institutions, including schools and colleges, with loan sizes up to Rs. 1 Crore.
- Eligibility Analysis: Utilized rigorous underwriting methods, including Cash Flow analysis, Banking assessment, ITR program analysis, Repayment surrogate, and Collateral surrogate to determine loan eligibility.
- Strategic Collaboration: Collaborated with Axis Finance under the FLDG model at ISFC, handling institutional loan processing with transactions of up to Rs. 10 Crores.
Area Credit Manager
Aditya Birla Finance Limited
Chennai
09.2019 - 11.2022
- Position: Promoted to ACM, leading a team of 5 Credit Managers and 1 MIS Coordinator.
- Expertise: Managed secured and unsecured business loans up to Rs. 1 Crore in the SME sector, covering South India.
- Eligibility Analysis: Utilized various criteria, including ABB analysis, ITR program, and more.
- Oversight: Managed restructuring and provided dashboards for 53 branches in the South region.
- Training: Conducted monthly policy training sessions for sales, credit teams, and external partners.
Credit Manager
IDFC Bank
Chennai
09.2017 - 09.2019
- Loan Evaluation: Evaluated business loan applications for small MSME enterprises, extending unsecured loans up to Rs. 2 Lakhs and secured (Loan Against Property) loans up to Rs. 10 Lakhs.
- Customer Engagement: Conducted Personal Discussions (PD) with clients from various business segments, covering 4 branches in Chennai.
- Collateral Management: Oversaw the comprehensive Loan Against Property (LAP) collateral verification process, including vendor coordination and follow-up.
- Eligibility Assessment: Assessed eligibility by performing in-depth cash flow analysis and Asset Backing Bureau (ABB) evaluation, incorporating physical verification of relevant documentation, stocks, purchase bills, and sales bills.
Credit Manager
Jana Small Finance Bank
Chennai
01.2017 - 08.2017
- Loan Underwriting: Underwrote business loan applications for small MSMEs, handling loans up to Rs. 3 Lakhs.
- Document Analysis: Scrutinized customer documents, including KYC, CIBIL, business licenses, bank statements, ITR, and financials.
- Customer Engagement: Conducted personal discussions with retail segment customers within a 2 km geographical limit across 5 branches in Chennai.
- Eligibility Assessment: Determined eligibility through cash flow analysis, verifying stock maintenance, purchase bills, sales bills, and related documentation.
Credit Manager
HDFC Bank
Chennai
01.2015 - 12.2016
- Credit Card Underwriting: Underwrote credit card applications nationwide from a central hub.
- Document Review: Scrutinized customer documents, including KYC, CIBIL, business licenses, salary certificates, payslips, financials, ITR, and bank statements.
- Customer Segmentation: Classified customers into categories (DB, NDB, open market) and determined eligibility using various surrogates like BOB limit and income multiplier method.
- Regional CRM Handling: Managed CRM queries for 4 regions across Punjab, Haryana, Himachal Pradesh, and Jammu & Kashmir.
- Performance Metrics: Exceeded monthly application targets (1850-2200 vs. 1750 goal) while maintaining a low delinquency rate of 2.84%. Processed 16.5k applications in a year.
Audit Associate
R. Raghunathan & Co
Tirunelveli
06.2013 - 01.2015
- Forex Auditing: Conducted forex audits for 30 branches across Tamil Nadu.
- Transaction Verification: Verified forex purchase and sales transactions.
- Regulatory Compliance: Ensured adherence to RBI guidelines.
- Reporting: Provided detailed banking transaction reports to the organization.
Education
10th Std - Science
S.J.S.S.J.S
Tirunelveli 06.2006 - 05.2007
12th Std - Science
S.J.S.SJ.S
Tirunelveli 06.2008 - 05.2009
B.Tech - Computer Science And Engineering
Kalasalingam University
Srivilliputtur 06.2009 - 05.2013
MBA - Finance
Annamalai University
Chennai 06.2017 - 05.2019
L.L.B - Law
Sri Shirdi Sai Law College
Chennai 06.2017 - 11.2022
Skills
Risk Management
undefinedAccomplishments
- HDFC Bank Recognition: Received the Silver Star award and Rs. 25k in Amazon vouchers for contest victories. Promoted from L1 to L2 level approval.
- Aditya Birla Recognition: Achieved the Udaan award three times, becoming the Pan India topper for top productivity within delinquency parameters.
Certification
Certified Mortgage Professional, Virtuoskill Learning Academy (2023).
Timeline
Certified Mortgage Professional, Virtuoskill Learning Academy (2023).
09-2023
Cluster Credit Manager
Indian School Finance Company Pvt Ltd
11.2022 - Current
CRISIL Platinum Badge: Earned a Platinum badge from CRISIL for completing the Credit Risk Master Class.
10-2021
Area Credit Manager
Aditya Birla Finance Limited
09.2019 - 11.2022
Credit Manager
IDFC Bank
09.2017 - 09.2019
MBA - Finance
Annamalai University
06.2017 - 05.2019
L.L.B - Law
Sri Shirdi Sai Law College
06.2017 - 11.2022
Credit Manager
Jana Small Finance Bank
01.2017 - 08.2017
Credit Manager
HDFC Bank
01.2015 - 12.2016
Audit Associate
R. Raghunathan & Co
06.2013 - 01.2015
B.Tech - Computer Science And Engineering
Kalasalingam University
06.2009 - 05.2013
12th Std - Science
S.J.S.SJ.S
06.2008 - 05.2009
10th Std - Science
S.J.S.S.J.S
06.2006 - 05.2007
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