KARTHI J
Branch Credit Manager
Vellore,TN
Summary
Branch Credit Manager with 11+ years of experience across SME and MSME lending, secured and unsecured credit, working capital, LAP, AFHL, personal and business loans, and vehicle finance. Experienced in SME credit operations, credit file quality checks, KYC and property document review, valuation and legal document coordination, onboarding, disbursement documentation, audit readiness, customer servicing, and TAT monitoring. Known for accurate processing, daily MIS reporting, and maintaining zero operational errors in the previous role.
Overview
3
3
Languages
12
12
years of professional experience
Work History
Branch Credit Manager
Annapurna Pvt. Ltd.
07.2026 - Current
- Review MSME cases across secured and unsecured products, covering ticket sizes from Rs. 5 lakh to Rs. 50 lakh, and recommend credit decisions based on the case assessment.
- Reviewed application files and supporting documents for completeness, including KYC and property records; utilized expertise in valuation and legal document checks to enhance credit recommendations.
- Conducting PD with customer profile, income, and the property, and evaluating for loan purposes in the PD section.
- MSME Product.|Secured and unsecured.| Ticket size: Rs. 5 lakhs to Rs. 50 lakh.
- Reviewed customer financial profiles to evaluate creditworthiness and minimize delinquency exposure.
- Coordinated with sales and operations teams to resolve credit issues and support timely disbursement.
- Monitored overdue accounts and initiated recovery actions to improve collection consistency.
- Maintained accurate credit documentation, compliance records, and approval files for audit readiness.
- Analyzed repayment behavior and portfolio trends to recommend credit limit adjustments.
Branch Operations Manager - Credit Operations
Bajaj Finserv
03.2021 - 07.2026
- Handle secured and unsecured products including SME, AFHL, LAP, personal and business loans, along with investment and fixed deposit products.
- Review loan files for quality and completeness, including KYC, property, valuation and legal documents; coordinate documentation, disbursement, and dispatch of original documents to Head Office.
- Process online loan and deposit applications within defined turnaround times; monitor quality, productivity and TAT while maintaining zero operational errors.
- Manage customer service requests, complaints and MODT release processes; support audit readiness and compliance checks.
- Prepare daily MIS reports for Head Office and use Finacle, FinoOne, Pennant, Salesforce, CRM and Customer 360 applications.
Branch Operations Officer - MSME and Working Capital
Veritas Finance Pvt Ltd
02.2019 - 03.2021
- Supported MSME loan and working capital operations, including file quality checks, customer onboarding and disbursement processing.
- Handled collections cash, petty cash, bank deposits, registers and records, and customer support.
- Submitted daily MIS and end-of-day amount reports to Head Office.
Phone Banking Officer - Car Loans
HDFC Bank Ltd
08.2017 - 02.2019
- Processed car loans, refinances and related documentation; followed up on post-disbursement documents and MIS submissions.
- Worked toward monthly sales and service targets.
App Promoter - Paytm
One97 Communications
02.2017 - 07.2017
- Visited local shops to explain Paytm app features, encourage merchant adoption and support onboarding.
Tele Sales Executive
RP Telebuy Skyshop Pvt Ltd
03.2016 - 09.2016
- Contacted prospective customers through telemarketing campaigns, explained consumer products and supported sales conversion.
Desktop Support Engineer - HDFC Bank Client Site
Wipro InfoTech (Nebula Computers Pvt Ltd)
12.2014 - 01.2016
- Provided end-user desktop support at the HDFC Bank client site, including operating system installation, hardware and printer troubleshooting, antivirus maintenance, outlook/Lotus Notes support, domain configuration and software updates.
Education
MBA - Financial Management
Annamalai University
Vellore, India01-2022
BCA - Computer Applications
RTG Arts & Science College
Thiruvannamalai01-2014
Skills
- Loan underwriting
- MSME credit assessment
- Credit analysis
- Documentation compliance
- Credit file quality checks and completeness review
- Due diligence
- Collateral evaluation
- Risk assessments
- Credit reports
- Fraud detection
- Portfolio management
- Onboarding coordination
- Client relationship management
- Team management
Timeline
Branch Credit Manager
Annapurna Pvt. Ltd.
07.2026 - Current
Branch Operations Manager - Credit Operations
Bajaj Finserv
03.2021 - 07.2026
Branch Operations Officer - MSME and Working Capital
Veritas Finance Pvt Ltd
02.2019 - 03.2021
Phone Banking Officer - Car Loans
HDFC Bank Ltd
08.2017 - 02.2019
App Promoter - Paytm
One97 Communications
02.2017 - 07.2017
Tele Sales Executive
RP Telebuy Skyshop Pvt Ltd
03.2016 - 09.2016
Desktop Support Engineer - HDFC Bank Client Site
Wipro InfoTech (Nebula Computers Pvt Ltd)
12.2014 - 01.2016
BCA - Computer Applications
RTG Arts & Science College
MBA - Financial Management
Annamalai University