Dinesh Kumar. R
Salem
Summary
Area Credit Manager – TN North overseeing credit appraisal, underwriting, and portfolio quality across 15 districts in Tamil Nadu and the south region. Approves MSME and property-backed loans up to ₹25 lakhs with L2 deviations while managing ticket sizes from ₹3 lakhs to ₹1 crore. Strengthens growth by coordinating with sales, operations, and risk teams while using early warning signals to reduce NPAs and protect TAT.
Overview
1
1
Language
15
15
years of professional experience
Work History
Area Credit Manager – TN North & South
Northern Arc Capital Ltd.
12.2024 - Current
- As Area Credit Manager for the TN North & South region, I oversee credit process and portfolio quality across 15 districts branches—Salem, Hosur, Tirupathur, Tiruvannamalai, Villupuram, Kallakurichi, Vellore and TN South region for Madurai, Sivagangai, Sivakasi,Aruppukkottai, Nagarcoil, Tenkasi, Tirunelveli,Tutukorin etc.
- Approval authority: Upto INR 25.00 lakhs with L2 deviations.
- End-to-end credit evaluation and underwriting for MSME loan products.
- Loan Ticket Size Managed: ₹3.00 lakhs to ₹1.00 crore.
- Product suite includes:
- Loan Against Property, Residential (SORP), Commercial (SOCP), and Industrial properties.
- Credit appraisal, risk assessment, and ensuring compliance with internal and regulatory credit policies.
- Portfolio monitoring and early warning signal identification to minimize NPAs.
- Coordination with sales, operations, and risk teams for seamless credit delivery.
- Supporting business growth while maintaining credit quality and TAT.
- Northern Arc Capital Ltd is a leading Non-Banking Financial Company (NBFC) in India, focused on providing retail credit to underserved households and businesses. It operates as a financial platform bridging the gap between underbanked individuals/businesses and mainstream debt investors. The company specializes in sectors such as MSME financing, microfinance, consumer finance, vehicle finance, affordable housing finance, and agriculture finance. By partnering with various financial institutions, NACL enables access to credit for segments often excluded from formal financial systems.
Area Credit Head
Hinduja Housing Finance Ltd.
12.2023 - 11.2024
- Worked as a Area Credit Head - TN South branches at Trichy district, key responsibilities included:
- Managed 5 clusters: Trichy, Thanjavur, Kumbakonam, Kulithalai, and Pudhukkottai districts.
- Products and Services
- HHFL offers a range of housing finance products, including:
- Home Loans, Home Extension/Improvement/Renovation Loans, Loan Against Property, Composite Loans.
- Ticket Size: The company's ticket size ranges from ₹5.00 lakhs to ₹75 lakhs.
- Approval authority: Upto INR.20.00lakhs with L2 deviations.
- HHFL is a housing finance company registered with the National Housing Bank (NHB). Incorporated on April 15, 2015, the company commenced operations the same year. As a wholly owned subsidiary of Hinduja Leyland Finance Limited (HLF), HHFL boasts a strong credit rating of 'CARE AA; Stable /CARE A1+'.
Cluster Credit Manager
Niwas Housing Finance Pvt Ltd (Formerly known as Indostar Home Finance Pvt Ltd)
12.2017 - 11.2023
- Worked as a Cluster Credit Manager, key responsibilities included:
- Managed 7 branches in Salem, Dharmapuri, Krishnagiri, Hosur, Namakkal, Karur, and Kallakurichi
- Products and Services
- Key products handled included:
- Home Loans, Home Extension/Improvement/Renovation Loans, Loan Against Property.
- Ticket Size: The ticket size ranged from ₹3.00 lakhs to ₹40 lakhs.
- Approval authority: Upto INR.15.00lakhs with L2 deviations.
- Roles & Responsibilities
- Credit Management
- Managed the underwriting process
- Conducted credit worthiness assessments for salaried and self-employed customers
- Analyzed cash flow, average banking, repayment track records, and financial status of customers
- Team Management
- Supervised by a team of 7 Branch Credit Managers and 7 Credit Admin Executives
- Provided product training for Credit Admin Executives, Relationship Managers, Branch Managers, and Branch Credit Managers.
- Operational Management
- Coordinated with Legal, Technical, Field Investigation, and Risk Containment Unit departments for file processing
- Validated Technical valuation, Legal reports, and Vetting reports.
- Managed post-disbursement documents and partly disbursed cases
- Ensured compliance with departmental policies and procedures.
- Quality Control
- Monitored portfolio quality through regular discussions with the business team.Achieved credit control assessment targets and audit requirements
- Justified decisions (approvals/rejections) and reported on them.
- IndoStar is a non-banking finance company (NBFC) registered with the Reserve Bank of India as a systemically important non-deposit taking company. As a professionally managed and institutionally owned organization, IndoStar provides: Structured term financing solutions to corporates, Vehicle Financing for Transporters (new and used), Home Finance through IndoStar Home Finance Private Limited (a wholly owned subsidiary), Loans to SME borrowers in India.
Senior Credit Officer
Aptus Value Housing Finance India Ltd.
11.2015 - 11.2017
- Worked as a Senior Credit Officer in the Salem region, overseeing the credit process for 6 branches like Salem, Attur, Kallakurichi, Erode, Dharmapuri and Tiruchengode.
- Job Profile :-
- Verification and Audit
- Conducted personal discussions and verification of customers' residential, business, employment, rental, and trade references
- Performed branch audits in multiple locations ( Salem, Attur, Kallakurichi, Erode, Dharmapuri and Tiruchengode.)
- Conducted post-disbursement audits for the aforementioned branches
- Sales and Training
- Coordinated with branch managers for sales promotion activities
- Provided weekly sales training for sales officers, assistant branch managers, and branch managers
- Credit Management
- Maintained corporate credit policies
- Managed customer credit files
- Conducted credit appraisals and underwriting
- Verified KYC norms
- Prepared credit assessment memos (CAM) and income calculations
- Generated CIBIL reports to assess customers' creditworthiness.
- Collections and Recovery
- Coordinated with the collection team for pending accounts, NPA, and other related matters
- Aptus Value Housing Finance India Ltd is a Housing Finance Company, Registered and Certified by National Housing Bank, (a part of RBI). Aptus has been formed to primarily address the housing finance needs of self-employed, informal segment of customers, belonging to middle income, primarily from semi urban and rural markets.
Muthoot Finance Ltd.
02.2011 - 03.2015
- Career and Growth Profile
- Junior Executive, Elampillai Branch, Salem (Feb 2011 - May 2012)
- Job Profile:
- Appraised gold ornaments and maintained cash counter operations
- Conducted bank operations, including cash withdrawals, deposits, RTGS, and NEFT
- Prepared monthly BRS statements, trail balances, and probable loss statements
- Achieved monthly targets and product mix goals set by the Senior Regional Manager
- Sold Express 3-minute Gold Loans to retail customers, calculating loan eligibility and offering loans up to 90% of gold's market value
- Cross-sold products, including gold coins, money transfers, deposits, and insurance
- Achievements:
- Maintained a clean record with no audit queries or NILL reports in gold appraising, accounts, and operations.
- Junior Executive, Regional Office, Salem (May 2012 - Oct 2012)
- Credit & Audit Department
- Job Profile:
- Communicated targets on interest collection, probable loss, incentives, and prizes to all branches
- Handled spurious/low-quality items, inspection and audit reports, and loan-connected statements
- Coordinated with legal and police departments, verified quarterly manager certificates, and processed staff loans and DPN
- Conducted in-person verification of customer credentials and followed up on NPA accounts and interest collection.
- Vigilance - Field Executive, Corporate Office, Kochi (Oct 2012 - Mar 2015)
- Job Profile:
- Worked under the direct control of the Vigilance Officer, Regional Office, Salem, and reported to the Vigilance Department, Corporate Office, Kochi.
- Conducted verification of high-value loans, individual spot verification of customers' assets and liabilities, and assessed creditworthiness
- Provided final reports to the corporate office, ensuring justice to the entrusted job.
- Career Progression:
- Professional Experience
- Nokia Promoter, Siva Sakthi Communications, Salem (June 2009 - Dec 2010)
- Manager, Subhiksha Mobile Pvt Ltd, Salem (Jan 2008 - May 2009)
- Marketing Executive, Hindustan Lever Ltd, Salem (May 2003 - April 2004)
- Muthoot Finance Private Ltd is Financial Services, Information Technology, Media, Healthcare, Education, Power Generation, Infrastructure, Plantations, Precious Metals and Hospitality and a part of Muthoot group. The Muthoot Group operates in 23 states in India and has a customer base of over 25 million.
Education
SSLC - State Board - Subjects
CSI Higher Secondary School
Salem01-2001
MBA - Finance
Periyar University
Salem01-2014
B.C.A - Computer Applications
AVS College of Arts & Science
Ramalingapuram Salem01-2007
HSC - Maths - Biology
CSI Higher Secondary School
Salem01-2003
Skills
Credit underwriting
Risk assessment
Portfolio monitoring
Loan policy compliance
Microsoft Office
Team leadership
Branch coordination
Stakeholder management
Credit control
Business development
Disclaimer
I hereby certify that the above information is true and correct to the best of my knowledge and belief.
Timeline
Area Credit Manager – TN North & South
Northern Arc Capital Ltd.
12.2024 - Current
Area Credit Head
Hinduja Housing Finance Ltd.
12.2023 - 11.2024
Cluster Credit Manager
Niwas Housing Finance Pvt Ltd (Formerly known as Indostar Home Finance Pvt Ltd)
12.2017 - 11.2023
Senior Credit Officer
Aptus Value Housing Finance India Ltd.
11.2015 - 11.2017
Muthoot Finance Ltd.
02.2011 - 03.2015
HSC - Maths - Biology
CSI Higher Secondary School
B.C.A - Computer Applications
AVS College of Arts & Science
MBA - Finance
Periyar University
SSLC - State Board - Subjects
CSI Higher Secondary School