Karthik P
Mettupalayam
Summary
A highly organized and efficient professional, experienced at working in fast paced environments demanding strong organizational, technical and interpersonal skills seeking an ideal position which enables further development. Seasoned Area Credit Manager with a solid background in credit risk management and customer service. Known for proficient skills in strategic planning, financial analysis, and budgeting. Strengths include good decision-making, leadership abilities, and negotiation skills. Demonstrated positive impact on revenue growth through effective credit control measures and policy development in past roles.
Overview
16
16
years of professional experience
Work History
Area Credit Manager- CV/CE/Car
Indostar Capital Finance Ltd
Coimbatore
09.2024 - Current
- To meet the customers to investigate their background & repayment capacity
- Credit analysis and to fit the customer in to our company norms as customer category wise
- Control the ED and NS flow with direct visit.
- Maintaining the TAT portfolio and PDD maintain.
- Clear the Audit discrepancies within the time limit.
- Regular branch visit and conducting the Meeting/Training on month wise to train the sales team
- Re-credit on every month and analysis the credit quality for Future credit process.
- Drive and help with the Sales team to archive their target easily.
Credit Manager- New CV-TN
Kotak Mahindra Prime Ltd
Coimbatore
10.2022 - 08.2024
- To meet the customers to investigate their background & repayment capacity
- To fit the customer in to our company norms as customer category wise
- Prepare CAM & get the approval from the respective approval authority.
- Control the Infant flow with direct visit.
- Maintaining the TAT portfolio.
- Clear the Audit discrepancies within the time limit.
- Conducting the Meeting/Training on month wise to train the sales team.
- Recredit on every month and analysis the credit quality for Future credit process.
- Conducting Infant review meeting on twice in s month-For reducing the 9 months EMI.
- To help with the Sales team to archive their target easily.
Branch Credit Manager- CV & Car
Equitas Small Finance bank Ltd
Tirupur
12.2018 - 09.2022
- To meet the customers to investigate their background & repayment capacity
- To fit the customer in to our company norms as customer category wise
- Field Investigation & Vehicle inspection done at my end
- To check the CIBIL reports for Applicant, Co-Applicant & Guarantor.
- Prepare CAM & get the approval from the respective channels
- To manage & monitor my RTO Agent & Surveyor do his work easy & systematic.
- If financier settlement to follow and collect the NOC from the Financier and given to RTO agent for further process.
- Before settlement to verify the Original RC, Insurance, Surrender, TO set, Permit, etc.
- To follow up with Surveyor, RTO Agent, Insurance Agent & customers to get the reports/documents and clear the PDD documents within a TAT
- Every month due follow up with customer and collect the due amounts without any delay, in this reason NIL of Non-Starter and Early - Defaulter for the branch.
Credit Relationship Manager- CV & Car
HDB Financial Service
Coimbatore
09.2015 - 11.2018
- Managed client relationships to enhance customer satisfaction and loyalty.
Credit Officer- Two-Wheeler
M/s.Tvs Credit Services LTD
Coimbatore
03.2015 - 08.2015
- Evaluated credit applications to determine customer eligibility and risk factors.
Credit Assistant
M/s. Cholamandalam investment & finance LTD
Coimbatore
01.2012 - 02.2015
- Processed credit applications and verified financial documentation for accuracy.
Junior Accountant
RKR Gold Pvt LTD
Coimbatore
09.2009 - 12.2011
- Processed vendor invoices and ensured timely payments to suppliers.
Education
Master of Business Administration -
Anna University
Coimbatore01.2009
Bachelor of Commerce - cs
Bharathiyar University
Coimbatore01.2007
SRSI Matric Higher Secondary School -
SRSI Matric Higher Secondary School
Karamadai, Coimbatore01.2004
Holy Angels Matric Higher Secondary School -
Holy Angels Matric Higher Secondary School
Mettupalayam, Coimbatore01.2002
Skills
- Credit analysis
- Financial documentation
- Risk assessment
- Field investigation
- Sales support
References
- Mr.Rajasekar.S, Equitas small finance bank,Ltd, Area Credit Manager, 9789495629
- Mr.KarthiK Kumar.E, HDFC bank Ltd, Area Credit Manager, 9943348422
Disclaimer
I hereby declare that the above furnished details are true to the best of my knowledge., Mettupalayam, Coimbatore
Languages
- Tamil
- English
- Kannada
Personal Details
- Date of Birth: 03/08/87
- Marital Status: Married
Timeline
Area Credit Manager- CV/CE/Car
Indostar Capital Finance Ltd
09.2024 - Current
Credit Manager- New CV-TN
Kotak Mahindra Prime Ltd
10.2022 - 08.2024
Branch Credit Manager- CV & Car
Equitas Small Finance bank Ltd
12.2018 - 09.2022
Credit Relationship Manager- CV & Car
HDB Financial Service
09.2015 - 11.2018
Credit Officer- Two-Wheeler
M/s.Tvs Credit Services LTD
03.2015 - 08.2015
Credit Assistant
M/s. Cholamandalam investment & finance LTD
01.2012 - 02.2015
Junior Accountant
RKR Gold Pvt LTD
09.2009 - 12.2011
Master of Business Administration -
Anna University
Bachelor of Commerce - cs
Bharathiyar University
SRSI Matric Higher Secondary School -
SRSI Matric Higher Secondary School
Holy Angels Matric Higher Secondary School -
Holy Angels Matric Higher Secondary School
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