Manoj A Y
Aruvanahalli V, C R Pattana T, Hassan D,
Summary
Results-driven Branch Credit Manager with expertise in credit analysis, loan underwriting, and risk assessment. Proven ability to train staff and ensure policy compliance while managing profitable loan portfolios.
Overview
4
4
years of professional experience
Work History
1) Branch Credit Manager
IIFL SAMASTA FINANCE LTD
03.2025 - Current
- Evaluates loan applications, assesses customer creditworthiness (including site visits/business analysis), manages credit risk for the branch, ensures policy compliance, and authorizes loans, balancing profitability with risk, while also training staff and monitoring delinquencies to minimize bad debts.
2) Deputy Manager
AU SMALL FINANCE BANK
08.2023 - 02.2025
- Evaluated credit applications to determine borrower eligibility and risk levels.
3) Officer
SMFG India Credit Ltd
11.2021 - 04.2023
- Assisted in processing loan applications and documentation.
Education
B.Com -
Daksha University
Bengaluru01-2021
PUC -
SSKC PU College
K R Pete01-2018
SSLC -
SSKC High School
K R Pete01-2016
Skills
- Credit analysis
- Loan underwriting
- Risk assessment
- Policies compliance
- Credit reporting
- Financial statement analysis
- Staff training
- Problem solving
- Team collaboration
- Decision making
- Application review
- Loan origination
- Credit evaluations
- Portfolio management
Languages
Kannada
Native
Native
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Personal Info
- Name Manoj A Y
- Father Name Yogesh
- Date Of Birth 12 Jan 2001
- Marital Status Single
Declaration
- I hereby declare that all the above information is true and correct to the best of my knowledge
Timeline
1) Branch Credit Manager
IIFL SAMASTA FINANCE LTD
03.2025 - Current
2) Deputy Manager
AU SMALL FINANCE BANK
08.2023 - 02.2025
3) Officer
SMFG India Credit Ltd
11.2021 - 04.2023
B.Com -
Daksha University
PUC -
SSKC PU College
SSLC -
SSKC High School