Dundappa Patil
Credit Manager
Nipani,MH
Summary
Seasoned Credit & Sales Professional equipped with 19 Years experience and a knack of driving credit professionals and minimizing financial risks, managing diverse financial products. Proficient in mortgage auditing, risk assessment, collection optimization. Skilled in driving revenue growth through strategic sales planning and cutomer-centric approaches.
Overview
19
19
years of professional experience
3
3
years of post-secondary education
4
4
Languages
Work History
Territory Credit Manager
SMFG India Credit Co Ltd
8 2016 - Current
- Formerly known as Fullerton Indian Credit Co Ltd
- Managed Credit Operations across six branches: Belgaum, Kittur, Ghataprabha, Chikkodi, Sankeshwar and Nippani
- Conducted credit underwriting, credit assessments and monitoring, adeptly managed debt while mitigating risks, preventing frauds, and seamlessly coordinated across verticals for smooth process
- Led a dynamic team of 91, including 10 direct reportees and 81 indirect reportees
- Managed portfolio size Rs.66 Crores of three products like Growing Enterprises Loan, Auto Loans and Group Loans
- Managed a wide range of financial products including mortgage loans, two-wheeler loans, three-wheeler loans, CV Loans, Hypothecation loans, Personal loans, and group loans
- Revamped mortgage auditing process, optimizing CAM, valuation, legal and technical parameters
- Managed risk effectively, assess customer risk profiles, and conduct risk valuations, resulting in enhanced decision making and minimized financial exposure
- Managed credit control, conducted through credit assessments, and diligently monitored credit activities
- Strategically assessed collections and executed action plans, ensuring timely collection turnover with demonstrable results
- Conducted Hind sighting, customer point verification and comprehensive parameter checks to optimize loan portfolio, resulting in enhanced due diligence and increased sales
- Proactively spearheaded legal proceedings for delinquency cases involving mortgages and other loans, resulting in successful resolutions, and mitigated financial losses
- Conducting on-site visits with collections team to assess customer needs firsthand, resulting in enhanced sales strategies and increased revenue.
Value Banker
ICICI Bank Ltd
04.2015 - 08.2016
- Managed cash operations, including payment processing, receipt handling, and teller functions, resulting in streamlined transactions and enhanced customer satisfaction
- Led clearing desk operations, collaborated with clearing house and bankers, managing inward/outward clearing processes to achieve efficiency
- Effectively managed diverse customer queries and account services including activation, transactions, ATM inquires, and modifications utilizing Finacle, FCRM, ISense, ITrack, and SFA ensuring seamless operations and enhanced customer satisfaction
- Drove acquisition of liability products CA, SA, and FD while spearheading the procurement of asset products such as Jewel Loans, Crop Loans, Car Loans, Personal Loans, Cash Credit and working capital loans, resulting in substantial increase in sales revenue
- Proactively sourced third-party products including Life Insurance, General insurance, SIP’s and Mutual Funds, driving increased revenue and client satisfaction
- Achieved full compliance with statutory and regulatory factors
- Delivered prompt and effective Customer Service Solutions and audit parameters within designated limits.
Agri Development Officer
ICICI Bank Ltd
08.2013 - 03.2014
- Exceeded sales targets and Value Targets for Crop Loans, Agri Term Loans, and Tractor Loans, driving branch growth
- Organized and led Gram Sabhs to generate leads and educate farmers and products, resulting in increased community engagement
- Conducted on-site field visits to verify crop types, land size, and irrigation methods, ensuring accurate data collection for strategic sales planning
- Performed meticulous document scrutiny and repayment track record analysis, enhancing accuracy and efficiency.
Sales officer CASA
ICICI Bank Ltd
06.2009 - 08.2013
- Achieved branch sales targets for liability products through strategic planning and execution, resulting in consistent revenue growth
- Exceeded sales and Value targets for Saving Accounts (SA), Current Account (CA), and Fixed Deposits (FA)
- Thoroughly vetting customer documentation for KYC compliance, resulting in streamlined process and enhanced authentication
- Conducted Enhanced Due Diligence (EDD) and random verification of sourced accounts, resulting in increased accuracy and reduced risk
- Proactively sourced savings and current accounts across diverse clientele including individuals, SP Firms, partnership firm, Private and Limited Companies and government entities, trusts, societies, associations, clubs etc resulting in increased client satisfaction
- Proactively generated leads and facilitated cross-selling of third-party products including Life insurance (LI), General insurance (GI), and Mutual Funds.
Clerk/Accounts & Finance
The Nippani Chamber of Commerce
06.2008 - 06.2009
- Utilized Tally and other tools to effectively manage accounts, resulting in increased efficiency
- Strategically plan and execute customer-centric events, driving engagements resulting in client satisfaction
- Proactively sourced and recruited talents resulting in increased productivity.
Sales Officer
Shankar Tea Company
05.2005 - 05.2008
- Conducted market surveys and studies resulting in increased sales
- Consistently surpassing monthly targets with proven results
- Drove sales through proactive follow-up resulting in increased revenue and client retention.
Education
Bachelor of Commerce - Accounting -
KLE’s G I Bagewadi College
06.2001 - 05.2004
Skills
- Documentation and Compliance
- Financial Analysis
- Product Knowledge
- Risk Management
- Customer Relationship Management
- Sales
- Marketing
- Communication
- Event Organization
- Cross-Selling
- Credit Assessment
- Credit Monitoring
- Debt Management
- Risk Mitigation
- Microsoft Office
- Tally
Timeline
Value Banker
ICICI Bank Ltd
04.2015 - 08.2016
Agri Development Officer
ICICI Bank Ltd
08.2013 - 03.2014
Sales officer CASA
ICICI Bank Ltd
06.2009 - 08.2013
Clerk/Accounts & Finance
The Nippani Chamber of Commerce
06.2008 - 06.2009
Sales Officer
Shankar Tea Company
05.2005 - 05.2008
Bachelor of Commerce - Accounting -
KLE’s G I Bagewadi College
06.2001 - 05.2004
Territory Credit Manager
SMFG India Credit Co Ltd
8 2016 - Current
Similar Profiles
ADITYA TYAGIADITYA TYAGI
SALES MANAGER at SMFG INDIA CREDIT FORMERLY AS FULLERTON INDIA CREDITSALES MANAGER at SMFG INDIA CREDIT FORMERLY AS FULLERTON INDIA CREDIT
Fabian TuscanoFabian Tuscano
Assistant Vice President, Internal Audit at SMFG India Credit Company Ltd. (Formerly Fullerton India Credit Co Ltd.)Assistant Vice President, Internal Audit at SMFG India Credit Company Ltd. (Formerly Fullerton India Credit Co Ltd.)
Kollol DeyKollol Dey
Branch Manager at SMFG India Credit Co Ltd(Formerly Fullerton India Credit Co Ltd)Branch Manager at SMFG India Credit Co Ltd(Formerly Fullerton India Credit Co Ltd)
Viraj JadhavViraj Jadhav
Cluster Manager at SMFG India Credit Ltd.( Fullerton India Ltd.)Cluster Manager at SMFG India Credit Ltd.( Fullerton India Ltd.)
Sandip JABADESandip JABADE
Program Manager at Aequs Aero Structure India Pvt LtdProgram Manager at Aequs Aero Structure India Pvt Ltd