LIJU P.V
TRIVANDRUM
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Total experience in Retail Credit Vertical (Secured and Unsecured Loans) for 15 Yrs and a total experience of 19 Yrs.
Overview
2025
2025
years of professional experience
5
5
years of post-secondary education
3
3
Languages
Work History
Regional Credit Manager
Muthoot Finance Ltd
1 2024 - Current
- Monitoring E2E TAT for the region
- Audit compliance of Internal / Statutory / Regulatory / Special Audit
- Team Management, Including Cluster Credit Managers, Credit Managers and Management Trainees
- Reporting to the National Credit Manager.
- Managed a diverse loan portfolio while adhering to strict credit quality standards and regulatory guidelines.
- Developed comprehensive reporting tools to provide senior management with valuable insights into regional credit performance trends.
- Evaluated loan applications for risk factors, ensuring compliance with established underwriting guidelines and industry regulations.
- Improved regional credit performance by developing and implementing effective credit management strategies.
- Reviewed and analyzed loan procedures.
- Developed strategies to expedite payments and customer resolutions.
Senior Manager Credit Mortgage Loans
HDFC Bank
03.2022 - 12.2024
- Credit Analyzing and Approving Mortgage Loans (High Value and Retail Loans)
- Approval Authority of Rs.90 Lakhs.
- Monitoring Approval Ratio as specified by Central Team
- Delinquency ratio controlling
- Controlling CPA, CPV and for getting file processed in prescribed norms within the TAT Limits
- Decision making with respect to Loan files
- Monitoring of TAT in loan file processing
- Portfolio Management
- Training to the sales force regarding policy, process, areas to be improved to build up good portfolio
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
Branch Credit Head-Mortgage Loans
Indiabulls Housing Finance Ltd
07.2015 - 02.2022
- Monitoring the overall profitability of Branch, Accountable for day to day operations of the branch by providing support, guidance and training to all the team members
- Credit Analyzing and Approving Home Loan, LAP Products
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Approving authority Rs 30 Lakhs
- Delinquency ratio controlling
- Control on Vendor Management& Team Management
- Meeting & discussing with Builders, Practicing CA's & HNW customer for incremental business
- Audit compliance of Internal / Statutory / Regulatory / Special Audit
- Cost Control
- Portfolio Management (Close Monitoring of 30+ , 90+, 180 +, 240+ Accounts)
- Resolution/ Recovery of Corporate and retail Loans
- Negotiations for settlement of high POS delinquent accounts
- Monitoring SARFAESI related process
- Identifying prospective buyers for Auction properties listed by IBHFL
- Assisted with day-to-day operations, working efficiently and productively with all team members.
CPC HEAD -CREDIT (North and South Kerala)
Axis Bank Ltd
11.2011 - 07.2015
- Credit Analyzing and Approving Home Loan, LAP, Personal Loans, Business Loans, Car Loans, Commercial Vehicle & Education Loans
- Monitoring Approval Ratio as specified by Central Team
- Approving authority of Rs 2 Crs. for Mortgage Loans
- Delinquency ratio controlling
- Controlling CPA, CPV and for getting file processed in prescribed norms within the TAT Limits
- Decision making with respect to Loan files
- Monitoring of TAT in loan file processing
- Meeting and discussion with Builders, Dealers & customer for Business Development
- Approving deviations as per the authority matrix
- Audit compliance of Internal / Statutory / Regulatory / Special Audit
- Development, Monitoring & Management of Vendor
- (Legal and Technical)
- Checking Technical and Valuation Parameters of Secured Loans
- Quality Control of Data entry
- Control of Vendor Management
- Control of Audit related matters
- Portfolio Management
- Training to the sales force regarding policy, process, areas to be improved to build up good portfolio
- Self-motivated, with a strong sense of personal responsibility.
- Worked well in a team setting, providing support and guidance.
Credit Manager
HDFC Bank Ltd
03.2008 - 11.2011
- Credit Analyzing and Approving Business Loans and Personal Loans
- Approval Authority of Rs 3 Lakhs
- Delinquency ratio controlling
- Controlling CPA, CPV and for getting file processed in prescribed norms with in the TAT Limits
- Meeting and discussing with customer with the loan applicants for high ticket cases
- Approving deviations as per the authority matrix
- Audit compliance of Internal / Statutory / Regulatory / Special Audit
- Development, Monitoring & Management of Vendor
- Training to the sales force regarding policy and area of improvement to build up good portfolio and business growth
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
Assistant Manager
Axis Bank Ltd
08.2006 - 03.2008
- Sales of Retail Asset Product (Secured and unsecured Loans)
- Identifying and Empanelment of Good Vendors for Asset Division
- Responsible for DST Management (appointments, trainings and productivity), distribution of promotional budgets, service satisfaction of dealers and merchandising at dealerships
- Credit Analyzing Retail Asset Product (Personal Loans/Home Loans and Auto Loans) and sending to Retail Asset Centre Head for approval
- Interactions with DSA and Builders for business development.
- Operation Function.(Disbursement/PDD Collection)
- Responsible for the development of Direct Sales team, monitoring & mentoring to excel their performance
- Responsible for cross sell activities like General Insurance, credit card sales etc.
Sales Manager for Personal Loans
Centurion Bank Of Punjab
07.2005 - 08.2006
- Responsible for achieving retail asset disbursement target through direct team and keeping the average yield of the portfolio based on the budget
- Responsible for General Insurance income from the above portfolios
- Responsible for TAT Management
- Responsible for quality and risk of the above portfolio's
Team Leader
HBL Global Pvt Ltd. (HDFC Bank Ltd)
11.2003 - 06.2005
- Responsible for achieving disbursement target of Personal Loans and keeping the average yield of the portfolio based on the budget
- Responsibility for achieving the targets of the groups
- Motivating the group members
- Planning and Scheduling of Lead Generation Programs
- Implementation of New ideas to generation of Leads
- Maintaining and Monitoring productivity Benchmarks of the Sales Team and the Location
Education
MBA - Marketing, HR And Financial Management
Bangalore University
Bangalore University 01.2001 - 08.2003
BBA - Marketing, HR And Financial Management
Kerala University
UNIVERSITY INSTITUTE OF TECHNOLOGY 03.1998 - 01.2001
Skills
Ability to control and motivate the team
Credit Risk Assessment
Underwriting expertise
Credit analysis
Integrity to work
Relationship Management
Credit policy development
Portfolio Management
Data Interpretation
Cash Flow Forecasting
Risk mitigation strategies
Personal Information
- Passport Number: N9530448
- Date of Birth: 05/28/79
- Religion: Hindu
Timeline
Senior Manager Credit Mortgage Loans
HDFC Bank
03.2022 - 12.2024
Branch Credit Head-Mortgage Loans
Indiabulls Housing Finance Ltd
07.2015 - 02.2022
CPC HEAD -CREDIT (North and South Kerala)
Axis Bank Ltd
11.2011 - 07.2015
Credit Manager
HDFC Bank Ltd
03.2008 - 11.2011
Assistant Manager
Axis Bank Ltd
08.2006 - 03.2008
Sales Manager for Personal Loans
Centurion Bank Of Punjab
07.2005 - 08.2006
Team Leader
HBL Global Pvt Ltd. (HDFC Bank Ltd)
11.2003 - 06.2005
MBA - Marketing, HR And Financial Management
Bangalore University
01.2001 - 08.2003
BBA - Marketing, HR And Financial Management
Kerala University
03.1998 - 01.2001
Regional Credit Manager
Muthoot Finance Ltd
1 2024 - Current