Jabis P J
Chennai
Summary
Experienced credit manager with a strong understanding of the field and a commitment to integrity. Bringing several years of experience supporting business financial needs, specializing in credit underwriting.
Overview
10
10
years of professional experience
Work History
Branch Credit Manager
TATA Capital Housing finance LTD.
Chennai
09.2022 - Current
- Analyzed credit applications, making approval/rejection decisions based on comprehensive analysis.
- Assessing customer creditworthiness based on financial reports, payment histories, and other sources of information.
- Verified data integrity and accuracy as part of the underwriting process by analyzing KYC information, financial statements, income records, compliance documents, title deeds, and property appraisals.
- Conducted evaluations of loan structures to maintain credit standards, as per company goals and policies.
- Reviewed accounts for signs of fraud and non-payment issues.
- Collaborated cross-functionally with sales, technical, legal, operations, and other departments to maintain effective operations.
- Coordinated marketing strategies with internal stakeholders to achieve market penetration and business growth objectives.
- Developed training materials and provided instruction on lending policies and procedures.
- Identified potential risk areas by conducting regular reviews of the portfolio/policy.
- Ensuring high-quality underwriting and quick turnaround times for both self-employed and salaried files.
- Software used is Finn one.
Credit Manager
Bajaj Housing Finance LTD
12.2020 - 09.2022
- Evaluated creditworthiness of applicants by reviewing credit applications and processed secured files through analysis of multiple parameters.
- Conducted audits on financial sanction and assessed legal and technical requirements for disbursement.
- Evaluated various aspects of individuals' CIBIL reports such as trade lines, scores, inquiries
- Conducted detailed analysis of banking activities such as cheque bounce, cheque return, ECS return, Narrations, and ABB.
- Monitoring risk trends on behalf of management and sales personnel.
- Processing Builder purchase cases with schemes.
- Collaborated with the sales and collateral department to effectively transition files to the next stage of disbursement.
- Analyzed risk factors associated with new loans or existing portfolios.
- Software used is Pennant.
Credit -Associate
Mahindra Home Finance
Chennai
02.2020 - 12.2020
- Preparing CAM after evaluating and analyzing customer profiles.
- Generating and analyzing the customer CIBIL based on his repayment history and defaults.
- After the approval from the superiors, managing up to the disbursement formalities like DM, documentation, and communicating with the operation team for the disbursement related activities and solving the credit queries, etc.
- Maintained accurate records of all credit transactions, including approvals, denials, and payments received, and published daily and monthly MIS.
- Coordinating with External FI agents, Legal, and Technical teams.
- Performing other duties assigned, like pre-login checking of KYC documents, generating sanction letter, and communicating with the sales team in case of any queries.
- Software used is Finnone.
Sr Back Office Executive - Operation
Astute Corporate Service Pvt Ltd
Chennai
04.2016 - 02.2020
- Preparing daily and monthly MIS for the received customer data.
- Preparing the verification report & sharing the report to the concern banker's (client)
- Handling queries of other locations and clients through mail and call.
- Responsible for resolving the issue, sharing reports, and maintenance of TAT.
- Verifying KYC documents in official sites and ROC check for companies.
- Maintaining a Risk & Fraud case MIS and circulating the same to concern manager and vendor owner.
- Responsible for preparing monthly bills for handling clients.
- Responsible for fixing appointments with customers, following up with the field executive, and closure of reports for PD cases.
Test Administrator
Merit Trac Services Pvt Ltd.
Chennai
06.2015 - 03.2016
- Supervising, monitoring, and maintaining the online campus examination conducted in the colleges.
Education
MBA - Finance
Bharathidasan University
true07-2025
Bachelor of Computer Science -
A.M Jain College, Madras University
04-2015
Higher Secondary School -
Valluvar Gurukulam higher secondary School
01.2012
Secondary School -
Vivekananda vidyalaya Matriculation School
01.2010
Skills
- Decision Making
- Microsoft Excel & Word
- Credit analysis
- Loan Underwriting
- Team Management
- Risk Assessments
Accomplishments
- Champion Credit Manager - July2021
- Exceptional Performance - March2021
Languages
Tamil
First Language
English
Advanced (C1)
C1
Personal Information
- Date of Birth: 09/29/94
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Declaration
- I hereby declare the above mentioned information is correct to be the best my knowledge and belief.
Timeline
Branch Credit Manager
TATA Capital Housing finance LTD.
09.2022 - Current
Credit Manager
Bajaj Housing Finance LTD
12.2020 - 09.2022
Credit -Associate
Mahindra Home Finance
02.2020 - 12.2020
Sr Back Office Executive - Operation
Astute Corporate Service Pvt Ltd
04.2016 - 02.2020
Test Administrator
Merit Trac Services Pvt Ltd.
06.2015 - 03.2016
MBA - Finance
Bharathidasan University
Bachelor of Computer Science -
A.M Jain College, Madras University
Higher Secondary School -
Valluvar Gurukulam higher secondary School
Secondary School -
Vivekananda vidyalaya Matriculation School
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