KARTHIKEYAN M
Krishnagiri
Summary
Hands on experience in sales and credit, with diverse knowledge of banking related services and products. Looking for a responsible position as banking in an organization that offers professional growth and development.
Overview
8
8
years of professional experience
Work History
Branch Sr.Credit Manager -Deputy Manager
IIFL Samasta Finance Ltd
Krishnagiri
10.2021 - 11.2024
- Job roles involve Underwriting of HL & LAP cases, Personal discussion with the customers, Analyze the Financial statement and key financial ratios and looking for the disbursement of the Housing & Mortgage loans
- Assessing the credit worthiness of customers by comparing the financial scale of the borrower with the level of business activity & setup observed during the PD
- Detailed banking analysis in conjunction with the current year financial numbers
- Measuring financial & operational performances of clients using financial tools like ratios, trend analysis, sales forecasting, budgeting etc
- Effective Management and communication with Vendors for Legal,Technical and other vital reports critical to the heath of a given loan funding, thereby, understanding the major legal & technical challenges & critical documents related to properties
Senior Credit Officer
Conatus Finserve Private Limited
Krishnagiri
08.2019 - 10.2021
- Seeking queries for log in files thoroughly with as company norms
- Viewing customer CIBIL report, like credit score health, DPD, overdue, enquiries and payment entries
- Fair understanding of KYC and Income Document Filling
- Directly taking PD with customers and verifying the company stock level, location, walking customers, Bills, bank statement, ledgers, cash inflow / out flow and neighbor reference check
- Drafting the proposal to regional credit manager for getting approval
- Maintaining current ROI & Processing fee and insurance
- Maintaining sanction letter format and updating every proposal when approved
- Following time to time process legal, valuation and disbursement
- Developing database for maintaining portfolio, collection and day to day updates
- Daily updating the collection report to management level and focusing on 3 bucket customers to meet directly to recover the issues
- Case decision maker for approval
- I have managing branch incharge, Team Lead (Monitoring and motivating sales officers to achieve team target) abort from my credit work
Teller And Field Service Executive(FSE)
Jana Small Finance Bank Ltd
Addakurukki, Shollagiri
09.2018 - 08.2019
- Responsible for cash / checking deposits, process loan payments, opening account, getting direct deposits account activate ATM / debit card
- Cash handling, customer service, balance drawer, patty cash and place orders for inventory
- Initially hired as entry-level teller promoted due to accuracy, speed and skills
- Maintaining Good Relationship with Customer and selling more Products (CASA & insurance)
- Maintaining DSR daily basis and met every month target as individually
- Fair understanding of KYC and Income Document Filling
- Directly taking PD with customers location
- Decent knowledge in the area of customer CIBIL history, Banking Calculation, Eligibility check and reference check
- Regularly updating myself about any changes in ROI & P.F and insurance
- Following collection as well as monthly target commitment
Customer Service Executive
Muthoot Fincorp Ltd
Veepanaplli, Krishnagiri
05.2017 - 08.2018
- Present Process and approve gold loan applications, ensuring all required documentation is complete and accurate
- Conduct detailed appraisals of pledged gold to determine loan eligibility and value
- Provide customers with information on loan terms, interest rates, and repayment schedules
- Maintain updated records of loan transactions and customer interactions in the system
- Handle customer inquiries and resolve issues promptly to maintain high levels of customer satisfaction
- Promote additional financial products and services to customers to meet their financial needs
- Ensure compliance with regulatory requirements and internal policies during loan processing
- Conduct periodic follow-ups with customers regarding loan repayments and renewals
- FRFC Vault Key handing Joint Custodian
Education
B.Sc - Maths
Sivagamiyammal Arts & Science college
Krishnagiri01.2013
HSC -
Government Higher Secondary School
Ikundham01.2010
SSLC -
Government High School Nakkalpatty
Nakkalpatty01.2008
Skills
- Credit Analysis
- CIBIL
- KYC
- Credit Underwriting
- Loan Proposals
- Portfolio Maintenance
- Collections
- Branch Maintenance
- Team Handling
- Team Coordination
- Housing Loan
- LAP
- MSE Secured Business Loan
- MSE Unsecured Business Loan
- SME Working Capital Loans
- OD/CC Accounts
- Legal Scrutinize of Property Documents
- Property Valuation
- Account Management
- Sales Relationship Management
- Sales Promotion Implementation
- Sales Team Management
- Underwriting expertise
- Credit evaluations
- Credit risk management
- Policy application
- Loan policy limits
- Performance monitoring
- Loan reviews
- Credit analysis
- Loan decision assessments
- Application processing
- Financial Modeling
- Financial Planning
- Team building
- Expert in risk management
- Financial reporting oversight
- Excel, powerpoint
Disclaimer
I hereby declare that the above details are given is true to the best of my knowledge and belief.
Languages
- English
- Tamil
- Telugu
Personal Information
- Date of Birth: 05/15/93
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
English
Beginner
A1
Tamil
Beginner
A1
Telugu
Beginner
A1
Timeline
Branch Sr.Credit Manager -Deputy Manager
IIFL Samasta Finance Ltd
10.2021 - 11.2024
Senior Credit Officer
Conatus Finserve Private Limited
08.2019 - 10.2021
Teller And Field Service Executive(FSE)
Jana Small Finance Bank Ltd
09.2018 - 08.2019
Customer Service Executive
Muthoot Fincorp Ltd
05.2017 - 08.2018
B.Sc - Maths
Sivagamiyammal Arts & Science college
HSC -
Government Higher Secondary School
SSLC -
Government High School Nakkalpatty