Krishna B S
Bangalore
Summary
High astute team spirited professional with 21 years of experience in credit & risk management, appraisal of corporate loans, SME lending in Loan Against Properties, WC loans, Term Loans, Business Loans. Strong team leader, builder and facilitator, fostering an atmosphere that motivates highly talented professionals to balance high levels skills with maximum productivity.
Overview
29
29
years of professional experience
Work History
Regional Credit Manager - LAP
IndusInd Bank Ltd
Bangalore
08.2019 - Current
- Underwriting of Mortgage Loans upto Rs.7.50 crs
- Fostering collaborative work culture to lead manage and nurture overall credit team
- Managing and monitoring credit portfolio and other risks on proactive basis by having in-depth knowledge on individual credit-takers
- Engage in discussions with the business to modify account strategy
- To align decision making without compromising on quality of decision making within the ambit of laid down policies including regulatory guidelines
- Review and monitor portfolio performance & portfolio quality and timely escalation to higher authority for any critical observation in portfolio behaviour
- Compliance, training, retail business development, profitability, business expansion and strategies, portfolio management & collections
State Credit Head - Enterprise Finance Division
Shriram City Union Finance Ltd
06.2016 - 08.2019
- Underwriting of Mortgage Loans upto Rs.10 crs & Business Loans upto Rs.50 lacs
- Manage and monitoring credit team, portfolio spread and risk analysis of local market and customer segment
- Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity/customer
- Monitoring compliance, training, retail business development, profitability, business expansion and strategies, portfolio management & collections
Credit Processing Officer (Asst Manager)
The Karur Vysya Bank Ltd
10.2010 - 06.2016
- Underwriting, processing, disbursing of Commercial and Retail loans
- Scrutiny of CC, SOD, Working Capital Term loans, Education Loan, TW, Car, Commercial Vehicle, HL and Mortgage loan applications of the entire division (Karnataka) underwriting and recommending for approval
- Follow up for the renewal of Existing Loans
- Internal Audit Activity of Branches
- Permitting Branches for TOD, CP/LCP's, and Limit Exceeding, Documentation Process
- NPA, Quick Mortality & Stress accounts monitoring
Credit Manager - Home Loans, Mortgages and Business Loans (Unsecured Lending)
Fullerton India Credit Company Ltd
05.2007 - 10.2010
- Creating and managing a healthy branch portfolio
- Approving and assessing Business Loan, Machinery & Mortgages loans
- Complete understanding of customer profile, business thru personal discussion
- Branch's file review and implementing audit compliance
- Vendor development, Legal proceedings and suit fillings, Branch credit process, underwriting, operations, process
- Managing branch profit by volume, Interest rate, Improving branch profits by implementing cross sell products like insurance products
- Managing and implementing robust collection process and branch delinquencies, Tracking skip cases, recommending for filing sec.138, arranging for LOK ADALATH
- Branch operations - disbursements, file dispatching to OPS, end to end process
- A complete management of branch credit portfolio
Credit Manager - Small Ticket Personal Loans
ICICI Bank Ltd
11.2005 - 05.2007
- Managing the whole Loan Shoppe activities, Credit officers and CPA team, members
- Business development, Appointment of new DMA's, Business generations and coordinating with DMA's
- Directly reporting to Area and Regional Heads
- Preparing MIS, Implementing new policies and monitoring credit functions in loan Shoppe
- Conducting Validations to evaluate credit worthiness of customers
- Coordinating with Operations, Risk containment Unit, Sales Managers, collection departments FI teams and DMA's
- Regular visits to DMA's and DST's to update and monitor credit policies, Training to DMA executives
Officer - CAP (Credit Appraisal Panel)
Sakthi Financial Services Ltd
Chennai
04.2003 - 10.2005
Credit Officer
Professional Management Consultants Pvt Ltd
Chennai
10.1999 - 03.2003
- Company Overview: an associate of CITI BANK
- An associate of CITI BANK
Finance Executive
Whirlpool Apple Consumer Credit Pvt Ltd
Chennai
09.1997 - 08.1999
Sales Executive
Indian Shaving Products Limited
Salem and Vellore
06.1996 - 08.1997
- Company Overview: Unit of Gillette Shaving Products
- Unit of Gillette Shaving Products
Education
Bachelor of Commerce -
Madras University
01.1996
M.B.A - Finance
Annamalai University
Skills
- Credit appraisal
- Decisioning of Mortgage Loans
- Assessing borrowers credit worthiness
- Credit decision support
- Team management
- Compliance
- Training
- Retail business development
- Profitability
- Business expansion
- Strategies
- Portfolio management
- Collections
- Mortgage underwriting
Languages
- English
- Tamil
- Telugu
- Kannada
Personal Information
Date of Birth: 01/25/76
Languages
Tamil
First Language
English
Proficient
C2
Telugu
Proficient
C2
Kannada
Beginner
A1
Hindi
Intermediate
B1
Timeline
Regional Credit Manager - LAP
IndusInd Bank Ltd
08.2019 - Current
State Credit Head - Enterprise Finance Division
Shriram City Union Finance Ltd
06.2016 - 08.2019
Credit Processing Officer (Asst Manager)
The Karur Vysya Bank Ltd
10.2010 - 06.2016
Credit Manager - Home Loans, Mortgages and Business Loans (Unsecured Lending)
Fullerton India Credit Company Ltd
05.2007 - 10.2010
Credit Manager - Small Ticket Personal Loans
ICICI Bank Ltd
11.2005 - 05.2007
Officer - CAP (Credit Appraisal Panel)
Sakthi Financial Services Ltd
04.2003 - 10.2005
Credit Officer
Professional Management Consultants Pvt Ltd
10.1999 - 03.2003
Finance Executive
Whirlpool Apple Consumer Credit Pvt Ltd
09.1997 - 08.1999
Sales Executive
Indian Shaving Products Limited
06.1996 - 08.1997
Bachelor of Commerce -
Madras University
M.B.A - Finance
Annamalai University