Summary
Overview
Work History
Education
Skills
Websites
Personal Information
Languages
Languages
Timeline
Generic
KIRAN N S

KIRAN N S

BANGALORE

Summary

Experienced credit underwriting professional with 13+ years of affordable housing loans, LAP, business loans & personal loans. Proficient in credit underwriting with various NBFC's & small finance bank. To be an important resource to your organization & contributes significant business development with the best of my previous industry experience.

Overview

13
13
years of professional experience

Work History

SENIOR CREDIT MANAGER

WERIZE - WORTGAGE FINANCE PVTLTD
BANGALORE
05.2021 - Current
  • Responsible for PAN India cases underwriting of Affordable Housing Loans, Loan Against Property for salaried & self employed professionals.
  • Loan ticket size is 2L to 50L & having approval authority of 15L.
  • Handling a team of 30 members - Credit Managers, Asst. Credit Managers & Credit Analysts.
  • Reporting of daily credit approvals with TAT, approval rate & conversion percentages to the dept head.
  • Worked well with other dept. team members & supported business team by given quality approvals to achieve the business targets.
  • Developed and implemented strategies to improve operational efficiency, reduce costs, and increase in productivity.
  • Co-ordinate with Technical, Legal, PD & FI vendors to give the reports within the agreed TAT.
  • Responsible hiring, new vendors empanelment.

BRANCH CREDIT MANAGER

HDB FINANCIAL SERVICES LTD
BANGALORE
11.2017 - 05.2021
  • Personal loan underwriting for salaried professionals for Bangalore location & cases loged in through DSA vertical
  • Handling of DSA channel
  • Team handling of CRM's
  • Loan size ₹1L to ₹25L
  • Monthly average business of 12 to 13 crs & logins around 1300 to 1500.
  • Developed and maintained effective credit policies.
  • Analyzed financial statements, loan applications and credit reports for potential customers.
  • Reviewed customer accounts to identify delinquencies and recommend collection action plans.
  • Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.

Asst. MANAGER - CREDIT OPERATIONS

JANA SMALL FINANCE BANK
BANGALORE
07.2015 - 11.2017
  • Small ticket unsecured loans credit underwriting in a centralized process
  • Focused segment: Urban & semi urban customers
  • Products: SB loans, business loans & agriculture related loans like for dairy farmers
  • Customer segment: Street vendors like fruit business, tea shops & petty shops business, kirana shops, women self employed business like saree business, tailoring work, agriculture related dairy farmers
  • Loan size: ₹60k to ₹2L.

Asst. MANAGER - Credit

VISTAAR FINANCIAL SERVICES PVT LTD
SHIVAMOGA
03.2014 - 06.2015
  • Underwriting of secured & unsecured business loans
  • Personal discussion at customer business point to understand the business model, loan requirement & purpose of loan
  • Preparation of cash flow & financial status of client for 2+ years & risk detailed analysis
  • Collateral property visit
  • Legal & technical advice on the collateral property
  • Monitoring of branch portfolio quality & delinquencies of branch
  • Segment: MSME
  • Loan size: ₹10k to ₹25L.

CREDIT OFFICER

MAHINDRA RURAL HOME FINANCE LTD
SINDHANUR
07.2013 - 03.2014
  • Underwriting of secured affordable home loans
  • House construction & home renovation loans to underserved customers likes farmers, agri allied businesses & small business merchants
  • Property & business visits
  • Legal & technical reports verification
  • Have closed co-ordination between the CLT (Credit, Legal and Technical) team to reduce the fraudulent cases to the company
  • Loan size ₹50k to 10L.

EXECUTIVE - ACCOUNTS & OPERATIONS

GRUH FINANCE LTD (Now merged with Bandhan Bank)
DAVANAGERE
01.2011 - 07.2013
  • Product: Home Loans
  • Management of post-dated cheques, HO-Branch Reconciliation
  • Petty cash Management, Expenses Accounting, Bank Reconciliation
  • Apart from this I am handled the Credit work like Account Creation in Software, KYC documents collection from Customer, close co-ordination with branch manager relating to monthly target achievement
  • PD through telephonic verification and field Investigation
  • Business segment: Grocery shops, hotel industries, salaried professionals
  • Loan size: ₹1L to 1 Cr.

Education

MBA - FINANCE

KUVEMPU UNIVERSITY
08.2010

B.Sc -

KUVEMPU UNIVERSITY
05.2008

Skills

  • Team Management
  • Hard & smart working nature
  • Operations Planning
  • Cross-Functional Collaboration
  • Data-Driven Decision-Making

Personal Information

  • Date of Birth: 24th Jun 1987
  • Nationality: INDIAN

Languages

Kannada English Hindi

Languages

Kannada
First Language
English
Proficient (C2)
C2
Hindi
Upper Intermediate (B2)
B2

Timeline

SENIOR CREDIT MANAGER

WERIZE - WORTGAGE FINANCE PVTLTD
05.2021 - Current

BRANCH CREDIT MANAGER

HDB FINANCIAL SERVICES LTD
11.2017 - 05.2021

Asst. MANAGER - CREDIT OPERATIONS

JANA SMALL FINANCE BANK
07.2015 - 11.2017

Asst. MANAGER - Credit

VISTAAR FINANCIAL SERVICES PVT LTD
03.2014 - 06.2015

CREDIT OFFICER

MAHINDRA RURAL HOME FINANCE LTD
07.2013 - 03.2014

EXECUTIVE - ACCOUNTS & OPERATIONS

GRUH FINANCE LTD (Now merged with Bandhan Bank)
01.2011 - 07.2013

MBA - FINANCE

KUVEMPU UNIVERSITY

B.Sc -

KUVEMPU UNIVERSITY

Similar Profiles

CREATE PROFILE
KIRAN N S