Summary
Overview
Work History
Education
Skills
Personal Information
Roles And Responsibilities
Linguistic Ability - Languages Known
Disclaimer
Timeline
Generic

GANESAN A

Credit Manager
No174D, Kathakkinaru, Modakkuruchi

Summary

To pursue a challenging and creative career, where I can apply my existing knowledge and creativity, acquire skills and contribute to the growth of the Organization.

Overview

8
8
years of professional experience

Work History

Deputy Manager

DCB Bank
Erode
05.2023 - Current
  • Taking care of KCC Agri Loan
  • Implemented risk management protocols that ensured potential threats were properly identified assessed and mitigated reducing negative impact on organizational operations.
  • Credit Process of KCC product and would be the custodian of overall KCC process at regional Locations.
  • Recommendation of KCC loans for sanction in line with the set product policies and regulatory guidelines, Verification of the KYC documents and completeness of the loan application and documents.
  • Ensure quality growth of the portfolio under the KCC loans

Asst. Manager Credit

Visage Holding Finance Pvt. Ltd
Karur
11.2020 - 05.2023
  • End to end underwriting of proposals, logged in under different products like LAP, Business Loan secured & Unsecured Loan, Bill Discount Loan, Machinery Loan.
  • Through CIBIL check, client meeting (PD), financial analysis, documents screening, de-dupe, etc. by preparingdifferent reports like CAM, Cash flows, PD report.
  • Independently handling the proposals and recommending to higher authority, Working efficiently towards theclearance of the file within time bound manner to maintain TAT.

Credit Officer (COMBINED CREDIT AND OPERATION)

Bajaj finance ltd
Karur
03.2019 - 11.2020
  • Am done a Credit and Operation work on PL and BL product.
  • Maintain nil audit query and maintain TAT.
  • Evaluated creditworthiness of potential borrowers using thorough analysis techniques, minimising default risks.
  • Used Software and Software to perform credit appraisals, document verification and loan approvals.

SALES OFFICER (LIFESTYLE FINANCE)

BAJAJ FINANC LTD
Erode
01.2018 - 02.2019
  • Am working on Life style product like Furniture, Battery, Cycle, and sewing machine and etc.
  • Am Responsible for tracking, managing & controlling PDD requirement compliance for ops team.
  • Understanding of CRM – Salesforce.com
  • TAT is maintained for case login to complete stage.
  • Maintain the dealer relationship for pushing more login the stake holders.

MAINTENANCE SUPERVISOR

SRI DHANDAYUTHAPANI SPINNERS PVT LTD
Erode
09.2016 - 09.2017
  • Working as a Maintenance supervisor.

Education

SSLC -

Meenakshi Sundaranar Sengunthar Hr. Sec. School
Erode
05.2010

Diploma - Mechanical Engineering

KSR Polytechnic College
Tiruchengode
04.2013

BE - Mechanical Engineering

KSR College of Technology
Tiruchengode
05.2016

Skills

    Quick Decision Making

undefined

Personal Information

  • Father Name: ANANDHAN R
  • Mother Name: SHANTHI A
  • Date of Birth & Age: 29/07/1995 & 29
  • Gender: Male
  • Marital Status: Married

Roles And Responsibilities

  • End to end underwriting of proposals, logged in under different products like Secured Loan, Machinery Loan, Business Loan secured & Unsecured Loan etc. Through CIBIL check, client meeting (PD), financial analysis, documents screening, de-dupe by preparing different reports like CAM, Cash flows, PD report.
  • Independently handling the proposals and recommending to higher authority, Working efficiently towards the clearance of the file within time bound manner to maintain TAT Handling team Management. Quality Check Audit for Credit Analyst, Field Verification, Collection and Receipt and Disbursement End to end to process /Adherence To Policy & Process Maintaining different reports for the audit purpose like Quarterly visit report, login and disbursement MIS, security and PDD register, index of disburse file etc To Analyst file flows on daily basis. Proper Decision Making.

Linguistic Ability - Languages Known

  • English, Yes, Yes, Yes
  • Tamil, Yes, Yes, Yes

Disclaimer

I hereby declare that the above-furnished details are true to best of my Knowledge.

Timeline

Deputy Manager

DCB Bank
05.2023 - Current

Asst. Manager Credit

Visage Holding Finance Pvt. Ltd
11.2020 - 05.2023

Credit Officer (COMBINED CREDIT AND OPERATION)

Bajaj finance ltd
03.2019 - 11.2020

SALES OFFICER (LIFESTYLE FINANCE)

BAJAJ FINANC LTD
01.2018 - 02.2019

MAINTENANCE SUPERVISOR

SRI DHANDAYUTHAPANI SPINNERS PVT LTD
09.2016 - 09.2017

SSLC -

Meenakshi Sundaranar Sengunthar Hr. Sec. School

Diploma - Mechanical Engineering

KSR Polytechnic College

BE - Mechanical Engineering

KSR College of Technology
GANESAN ACredit Manager