GOWRISHANKAR A
7/10, Kanthasamy Pillai Sulur.
Summary
Overall 12 years working experience with 8 years experience in credit underwriting. As a credit underwriting, have done more than 3000PDs for the different segments of business/ profiles. Handled maximum of 80 files in a month. Having experience in handling products are HL Prime & Affordable, LAP, Business loan.
Overview
10
10
years of professional experience
Work History
Area Credit Manager.
Indusind Bank
Coimbatore
09.2019 - Current
- Key responsibilities include:
- Product handling: HL & LAP.
- Monitoring BCMs & CPAs.
- Ensure credit decision within TAT.
- Scheduling PD for higher value cases.
- Sanctioning the cases within my delegation limit.
- Recommending the cases to the higher authorities.
- Follow-up ops for the timely disbursement.
- Providing monthly credit training to the team members.
- Reviewing OTC,PDD,SUD & Part disbursement cases.
- Portfolio management & Collection follow -up.
- Co-ordinate with Legal team for the symbolic possession & SARFEASI initiation.
- Visiting SMA 2 & NPA account.
- Closely monitoring Early delinquency cases and Non- Starter cases.
- Interaction with legal/Technical/AIP vendor.
- Taking ownership to meet the business targets without comparing quality and portfolio.
- Expedite Recruitment process wherever vacancy in my purview.
Rating
I Have been rated with.
- 2021-2022 : 4.68/5.
- 2022-2023 : 4.51/5.
- 2023-204 : 4.30/5.
Previous Experience:
Branch credit manager
Reliance Home Finance
07.2018 - 09.2019
- Handled housing loans
Assistant credit manager
Electronic finance limited
09.2017 - 06.2018
- Handled machinery loans, and mortgage loans
Assistant credit manager
HDB Finance limited
02.2017 - 08.2017
- Handled machinery loans, and mortgage loans
Sales coordinator / Assistant operation manager / Credit relationship manager
Bajaj finance PVT limited
10.2014 - 02.2017
- OFF ROLE: Sales coordinator, handling login, documentation, file disbursement
- ON ROLE: Assistant operation manager, handling financial banking analyzing, ITR, payment process
- ON ROLE: Credit relationship manager, handling personal loans, business loans, housing loans
Customer service executive
IDBI FEDERAL LIFE INSURANCE
System admin
AVON POWER SYSTEMS
Education
BCA -
SNR Sons college of arts and science
CoimbatoreHSC -
Govt boys Hr. Sec. School
Sulur, CoimbatoreSSLC -
Govt boys Hr. Sec. School
Sulur, CoimbatoreSkills
- Team handling
- Assessment of Cash Flow analysis for various segment profiles
- Analysis of Audited Financial ITR, Banking and Ratios
- Knowledge in legal & Technical
Languages
- ENGLISH
- TAMIL
Disclaimer
I hereby declare that the information and details furnished above are true to the best of my knowledge and belief.
Personal Information
- Father's Name: Mr. S. Anguraj
- Date of Birth: 04/30/90
- Nationality: Indian
- Marital Status: Married
Languages
Tamil
First Language
English
Proficient
C2
Regards
Date
Timeline
Area Credit Manager.
Indusind Bank
09.2019 - Current
Branch credit manager
Reliance Home Finance
07.2018 - 09.2019
Assistant credit manager
Electronic finance limited
09.2017 - 06.2018
Assistant credit manager
HDB Finance limited
02.2017 - 08.2017
Sales coordinator / Assistant operation manager / Credit relationship manager
Bajaj finance PVT limited
10.2014 - 02.2017
Customer service executive
IDBI FEDERAL LIFE INSURANCE
System admin
AVON POWER SYSTEMS
BCA -
SNR Sons college of arts and science
HSC -
Govt boys Hr. Sec. School
SSLC -
Govt boys Hr. Sec. School