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
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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.