Manu Varghese
Bengaluru
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast and friendly financial services.
Overview
2025
2025
years of professional experience
19
19
years of post-secondary education
3
3
Languages
Work History
Assistant Credit Manager
LinkedIn
Bengaluru, Karnataka
6 2022 - Current
- Drive credit, collection, cash application, and accounting process excellence for all lines of business for APAC.
- Strong Collections experience in India, dealing with market nuances, i.e., WHT, Levy, and Tax process.
- Support the development of automated processes to reduce costs and improve efficiencies.
- Regional leader for Get Paid management and deployment.
- Work in a strategic way with the GPO organization to maximize collections through our OSP model.
- Support the development of new and improved policies and procedures into both the broader LI team and the OSP.
- Liaise internally to set objective targets with the OSP.
- Work closely with the OSP to escalate billing and other operations issues, and develop procedures to augment the same.
- Support decision making on bad debt write-off, revenue reversal, and cash basis issues.
- Project leadership and engagement, as assigned by the management team.
Deputy Manager - Collections
Oracle
Bangalore Urban, Karnataka
07.2021 - 06.2022
- Handling a large process for a region, handling a small process globally, and responsible for process delivery.
- Planning for delivery.
- Securing delivery.
- Quality assurance.
- Escalation resolution
- Customer relationship.
- Process improvement.
- Resourcing
- Securing performance.
- Developing and motivating the team.
- Communication
- Organization initiatives.
Assistant Manager - Collections
Oracle
Bengaluru, Karnataka
08.2018 - 07.2021
Lead Analyst - Collections
Oracle
Bengaluru, Karnataka
04.2016 - 08.2018
Assistant Manager
LIC Housing Finance Limited
Bengaluru, Karnataka
05.2014 - 04.2016
- Credit appraisal of housing loan proposals of salaried as well as self-employed applicants through in-depth study of their profile, track record, and annual income.
- Distribution Channel Management to facilitate sales growth, by guiding and motivating agents and other intermediaries.
- Being in touch with customers to discuss their eligibility, collect documents, and take proposals to logical closure.
- Maintain a good relationship with builders and developers.
- Interact with multiple departments within LIC HFL to ensure that the entire loan sanction process is made faster and seamless.
Management Trainee
LIC Housing Finance Limited
05.2013 - 05.2014
Officer, Collections Complaints Management
HSBC
Chennai Area
04.2009 - 04.2011
- To investigate and provide the bank's stance on collections-related complaints raised on the bank, particularly from regulatory bodies, and to proactively support and intervene in collections activities so that collections complaints can be maintained below 5% of total complaints raised on the bank.
- This involved offering settlements and waiver on escalated loan complaints, investigation on financial misappropriations by bank officers and agents, and investigations on inappropriate behavior from bank officers and agents to customers
Education
MBA - Finance
Christ University
01.2011 - 01.2013
PG DIPLOMA - FINANCIAL PLANNING AND RELATIONSHIP MANAGEMENT
NIIT - IFBI
01.2008 - 01.2009
Bachelor of Commerce (B.Com.) - commerce
University of Madras
01.2005 - 01.2008
+1 and +2 - Commerce
St.Thomas Central School
01.2003 - 01.2005
10th standard - CBSE
BMM ENGLISH MEDIUM SCHOOL
01.1992 - 01.2003
Skills
Service-Level Agreements (SLA)
Stakeholder Engagement
Vendor Management
Team building and Management
Credit underwriting
Collections
Quality
Operations Management
Timeline
Deputy Manager - Collections
Oracle
07.2021 - 06.2022
Assistant Manager - Collections
Oracle
08.2018 - 07.2021
Lead Analyst - Collections
Oracle
04.2016 - 08.2018
Assistant Manager
LIC Housing Finance Limited
05.2014 - 04.2016
Management Trainee
LIC Housing Finance Limited
05.2013 - 05.2014
MBA - Finance
Christ University
01.2011 - 01.2013
Officer, Collections Complaints Management
HSBC
04.2009 - 04.2011
PG DIPLOMA - FINANCIAL PLANNING AND RELATIONSHIP MANAGEMENT
NIIT - IFBI
01.2008 - 01.2009
Bachelor of Commerce (B.Com.) - commerce
University of Madras
01.2005 - 01.2008
+1 and +2 - Commerce
St.Thomas Central School
01.2003 - 01.2005
10th standard - CBSE
BMM ENGLISH MEDIUM SCHOOL
01.1992 - 01.2003
Assistant Credit Manager
LinkedIn
6 2022 - Current