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Jeevaratnam S
Credit Manager
Hyderabad
Summary
Credit Manager with 3+ years of experience in housing finance. Currently working at GIC Housing Finance Limited. Dealing with Credit Analysis, Credit Policy and Credit Risk. Skilled in evaluating client creditworthiness, reducing bad debts, and improving cash flow efficiency. Adept at leading credit teams, collaborating with sales and finance departments, and implementing strategies that balance profitability with risk control. Recognized for strengthening credit processes and ensuring compliance with organizational and regulatory standard. Committed to driving financial stability and supporting sustainable business growth. Disciplined professional with NCC and NSS training, demonstrating leadership, teamwork, community engagement and resilience under challenging situations.
Overview
4
4
years of professional experience
1
1
Language
Work History
Credit Manager
GIC Housing Finance
08.2022 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Education
MBA - Information Technology And Business Analytics
Osmania University
Hyderabad, India 04.2001 -
Bachelor of Science - Statistics And Data Analysis
Aurora Degree And PG College
Hyderabad, India 04.2001 -
MPC -
MNR Junior College
01-2019
SSC -
Panchasheela High School
Hyderabad, India01-2017
Skills
Credit risk management
- Credit evaluation
- Risk assessment
- Credit reporting
- Financial analysis
- Decision making
- Time management
- Team collaboration
Interests
Timeline
Credit Manager
GIC Housing Finance
08.2022 - Current
MBA - Information Technology And Business Analytics
Osmania University
04.2001 -
Bachelor of Science - Statistics And Data Analysis
Aurora Degree And PG College
04.2001 -
MPC -
MNR Junior College
SSC -
Panchasheela High School
Declaration
I hereby declare that the information furnished above is true to the best of my knowledge and belief. I take full responsibility for the correctness of the details mentioned in this resume.
Date: 15/03/2026
Place: Hyderabad
Signature: S Jeevaratnam