Dhinesh R
Branch Credit Manager
Mayiladuthurai,Tamilnadu
Summary
Methodical credit manager adept at analyzing lending activities according to current regulations, standards, and market conditions. Offering several years of financial experience in the banking industry.
Overview
12
12
years of professional experience
Work History
Branch Credit Manager
Criss Financial Limited
Salem
02.2024 - Current
- Analysed financial statements, loan applications and credit reports for potential customers.
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Ensured timely and accurate processing of all credit transactions.
Branch Head
Shriram Finance Limited
Vadalur
07.2017 - 02.2024
- Managed daily operations of a branch, including customer service, staff scheduling, and product distribution.
- Established goals for each department within the branch and monitored their progress towards achieving those goals.
- Maintained accurate records of transactions processed by the branch on a daily basis.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
Sales Officer
Equitas Small Finance Bank
Mayiladuthurai, Tamilnadu
08.2016 - 01.2017
- Managed communication between lenders, borrowers and third parties involved in loan process.
- Developed strategies to increase sales and market share.
- Identified customer needs and developed customized solutions.
- Implemented promotional campaigns to boost sales volume.
- Built relationships with new and existing customers by personally interviewing to identify needs and preferences and delivered products and services that fit customer perfectly.
Senior Product Executive
Shriram Transport Finance Company Limited
Chidambram, Tamilnadu
11.2012 - 07.2016
- Developed and implemented product strategies to increase customer satisfaction, loyalty and revenue.
- Achieved sales goals, increasing revenue for top accounts and expanding personal sales portfolio.
- Ensured timely collection of receivables from clients.
- Negotiated payment plans with delinquent accounts while maintaining positive relationships with customers.
- Developed strategies to reduce the number of overdue payments and improve cash flow cycle times.
Education
MBA - Finance
Annamalai University
Chidambaram05.2012
B.Com - Commerce
Poompuhar College, Bharathidhasan University
Melaiyur05.2010
HSC -
S.M.H. Hr. Sec. School
Sirkali03.2006
SSLC -
S.M.H. Hr. Sec. School
Sirkali03.2004
Diploma - PC Professional
CSC Computer Education
SirkaliSkills
- Credit analysis
- Loan Underwriting
- Team Management
- Portfolio Management
- Credit risk management
- Fraud understanding
- Fraud knowledge
- Credit Reports
Hobbies and Interests
- Playing Cricket
- Watching Movies
- Listening music
Languages
Tamil
First Language
English
Intermediate (B1)
B1
Personal information
- Father Name-Rajendran.R
- Mother Name-Kannaki.R
- Marital Status-Married
- Date of Birth-07/07/1989
- Place of Birth-Mayiladuthurai,Tamilnadu
- Religion-Hindu
Timeline
Branch Credit Manager
Criss Financial Limited
02.2024 - Current
Branch Head
Shriram Finance Limited
07.2017 - 02.2024
Sales Officer
Equitas Small Finance Bank
08.2016 - 01.2017
Senior Product Executive
Shriram Transport Finance Company Limited
11.2012 - 07.2016
MBA - Finance
Annamalai University
B.Com - Commerce
Poompuhar College, Bharathidhasan University
HSC -
S.M.H. Hr. Sec. School
SSLC -
S.M.H. Hr. Sec. School
Diploma - PC Professional
CSC Computer Education
Similar Profiles
Lemma ShafikLemma Shafik
Private Nanny at Criss/Goebel FamilyPrivate Nanny at Criss/Goebel Family
Ansel C.S.M. LeslieAnsel C.S.M. Leslie
Director and Operations Chief (COO) at The Riansel Financial Planning Services Limited (Agency of the Maritime Financial Group)Director and Operations Chief (COO) at The Riansel Financial Planning Services Limited (Agency of the Maritime Financial Group)
PONMATHI NPONMATHI N
Administrator - Business Operations at Valgaa Financial Services Limited (Formerly GTP Finance Limited)Administrator - Business Operations at Valgaa Financial Services Limited (Formerly GTP Finance Limited)