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Meena V J
Summary
• Credit Manager with 8+ years of experience in LAP evaluation, credit underwriting, and MSME lending.
• Skilled in credit assessment, banking analysis, cash-flow evaluation, field-level business verification, and risk mitigation.
• Experienced in reviewing and approving credit proposals while ensuring compliance with internal policies and regulatory guidelines.
• Proven ability to manage and mentor credit analyst teams and maintain portfolio quality through prudent underwriting practices.
Overview
9
9
years of professional experience
Work History
Credit Manager
HDFC BANK LIMITED
Salem
06.2017 - Current
• Evaluating LAP (Loan Against Property) proposals for salaried and self-employed clients.
• Well experienced in credit underwriting for informal sector lending, especially MSME customers.
• Skilled in assessing creditworthiness through financial analysis, banking patterns, cash-flow assessment, repayment capacity, and collateral evaluation.
• Experienced in conducting field-level business verification to assess operational stability, business continuity, customer credibility, stock movement, customer footfall, and infrastructure.
• Proficient in validating business activities through on-site inspections, customer interactions, and market reference checks.
• Expertise in cross-verifying declared income and business turnover with field observations, banking transactions, and supporting financial data.
• Strong ability to identify operational risks, early warning signals, policy deviations, and discrepancies in customer information, while recommending suitable risk mitigation measures.
• Experienced in evaluating business vintage, locality reputation, and market presence to strengthen underwriting decisions.
• Reviewing and approving credit proposals recommended by credit analysts in line with policy guidelines and risk parameters.
• Performing secondary credit evaluation to ensure accuracy, completeness, compliance, and adherence to internal credit policies and regulatory norms.
• Coordinating with business teams and credit analysts for clarifications, documentation, and timely resolution of credit queries.
• Monitoring portfolio quality and supporting prudent credit decisions to maintain healthy asset quality and reduce credit losses.
• Managed and guided a team of credit analysts by providing support on underwriting decisions and risk assessment.
• Trained and mentored junior credit analysts to enhance their credit appraisal and underwriting skills.
• Conducted due diligence on potential customers and business partners to assess credibility and lending suitability.
• Assisted in improving underwriting quality, credit evaluation processes, and operational efficiency.
Education
MBA - Banking and Marketing Management
IIBMS
Mumbai, MaharashtraBsc - Agriculture
Anbil Dharmalingam Agricultural College And Research Institute
Trichy, Tamil NaduSkills
Credit Analysis
Credit Underwriting
Risk Assessment & Mitigation
Decision Making
Field Investigation & Business Verification
Regulatory & Policy Compliance
Leadership
Team Management
Team Collaboration
Negotiation Skills
Problem Solving
Analytical Thinking
Adaptability & Flexibility
Process Improvement
Time Management
Accomplishments
• Gold Medalist in Agricultural Extension during academic studies.
• Recognized for outstanding academic performance in the field of Agriculture.
Extracurricular Activities
• Participated in cultural and dance performances during academic and organizational events.
Languages
- Tamil
- English
Timeline
Credit Manager
HDFC BANK LIMITED
06.2017 - Current
MBA - Banking and Marketing Management
IIBMS
Bsc - Agriculture
Anbil Dharmalingam Agricultural College And Research Institute
Roles And Responsibilities
• Evaluate LAP proposals for salaried and self-employed customers.
• Perform credit underwriting for MSME and informal sector lending.
• Assess customer creditworthiness through banking analysis, cash-flow assessment, and field verification.
• Identify lending risks and recommend suitable risk mitigation measures.
• Review and approve credit proposals in line with policy guidelines and risk parameters.
• Conduct field-level business verification and due diligence activities.
• Monitor portfolio quality and ensure compliance with internal credit policies.
• Coordinate with business teams for credit clarifications and documentation.
• Train and mentor junior team members to strengthen underwriting quality and operational efficiency.