Summary
Overview
Work History
Education
Skills
Team Handling
Personal Information
Products Exposure
Timeline
Generic

NAVANEETHAN S

Chennai

Summary

Enthusiastic and focused Credit Risk Analyst with over 10 years of experience in credit risk assessment, financial analysis, and portfolio management. Proven track record in managing diverse entities and Group structures. Skilled in implementing data and technology-driven transformations to ensure profitable business outcomes.

Overview

11
11
years of professional experience

Work History

Retail Risk and Policy Audit Manager

Hero Fincorp
Chennai
01.2023 - Current
  • Responsible for conducting Hind-Sighting for partners in South India, ensuring effective risk assessment and strategy evaluation.
  • Conduct periodic risk monitoring of co-lending partner companies, providing insights and recommendations for risk mitigation.
  • Visit partners and collaborate with senior management, underwriting teams, operations, and collections to streamline processes and address potential risks.
  • Make informed recommendations on possible measures to mitigate or avoid risks through process changes, enhancing overall risk management strategies.
  • Develop and frame the TWL/UCL Special Programme policy, processes, and workflow to align with business objectives.
  • Review files to ensure adherence to approved processes and policies, maintaining a high standard of compliance.
  • Scrutinize SOA of customers to verify accuracy concerning payments received, overdues, and the availability of necessary documents in the file.
  • Conduct system audits to ensure accurate tracking of accounting receipts and review margin money receipt versus funding in individual cases.
  • Ensure strict adherence to KYC/AML and other regulatory guidelines, publishing reports on any deviations found between established policies and actual practices.
  • Collaborate closely with stakeholders including Product, FCU, Hind-Sighting, and Operations for cohesive risk management strategies.
  • Administer and monitor related data through MIS and data storage, ensuring data accuracy and completeness.
  • Demonstrate a deep understanding of industry knowledge and implement best audit practices to enhance the efficiency of risk management processes.
  • Monitor portfolio performance through a structured early warning mechanism, ensuring proactive risk identification and management.
  • Support and actively participate in the implementation of credit scorecards on the digital platform, contributing to enhanced risk assessment methods.
  • Handle retail loan Hind-Sighting and publish reports to communicate insights and recommendations.

Credit Manager

PetroMoney Fintech(Smart Planner Pvt. Ltd.)
Chennai
02.2020 - 12.2022
  • Managed credit operations in South India, overseeing applications up to 45 lakhs, and recommended/approved credit applications while considering significant risks.
  • Led credit underwriting for MSME business loans, demonstrating expertise in the asset business within the MSME/SME segment.
  • Prepared comprehensive credit appraisal memos covering financial, company, and industry analysis.
  • Spearheaded the implementation of the credit lending framework, developing policies, processes, and controls for successful business launches in India.
  • Conducted personal discussions with customers to establish creditworthiness and collaborated with stakeholders for seamless credit processes.
  • Supervised a team of credit underwriters, providing guidance and expertise in credit assessments.
  • Contributed to product innovation by preparing new scorecards for emerging products and providing inputs to the Tech Team for API integration and data summarization.
  • Monitored risks closely, reporting warning signals regarding the quality of Operation & IT teams, ensuring accurate and timely reporting of risk trends to senior management.
  • Proactively managed existing customers, conducting periodic inspections of outlets, and evaluated the credit/risk profile of companies and individuals.

Executive Credit Operation

Wheels-Emi Pvt. Ltd.
Chennai
08.2019 - 02.2020
  • Conducted credit underwriting for two-wheelers in accordance with credit policy, making deviations based on profile strength.
  • Managed daily branch operations, ensuring the smooth functioning of activities.
  • Monitored cash transactions within the branch to maintain financial accuracy and compliance.
  • Evaluated the credit/risk profile of companies and individuals, devising suitable financial solutions.
  • Coordinated with various departments for efficient loan disbursements/takeovers and addressed day-to-day client requirements.
  • Engaged regularly with clients, ensuring the collection of requisite data/documents and collaborated with internal departments to facilitate seamless processes.
  • Retained customers by providing excellent services and serving as the dedicated point of contact for their needs.

Credit Officer

Bajaj Finance Ltd
Chennai
08.2017 - 08.2019
  • Conducted credit underwriting for Commercial Vehicles and Two-wheelers in adherence to the credit policy, making deviations based on profile strength specifically for South India.
  • Evaluated the credit/risk profile of companies and individuals, devising suitable financial solutions to align with their needs.
  • Identified additional risks and business opportunities associated with borrowers, contributing to a comprehensive risk assessment.
  • Regularly visited vendors such as CPA and CPV, reviewing their service and performance, and initiating various controls at their workplace.
  • Prepared various Management Information System (MIS) reports, including non-starters, early delays, meetings with defaulted customers, regular follow-ups, takeover vehicles, and other formalities.
  • Responded to various MIS requests from internal audit and other control teams, ensuring compliance with internal policies and procedures after approving/rejecting proposals.

Credit Officer

HDB Financial Services (HDFC Group) Finance Ltd.
Chennai
01.2016 - 07.2017
  • Credit Underwriting: Commercial Vehicles and Construction Equipment loans in terms of Credit Policy and deviations based on profile strength
  • Evaluating the credit/risk profile of companies and individuals forming suitable financial solutions
  • Publishing Credit TAT MIS, Non-Starter, Early Waring Signals to the team
  • Coordination with the RCU, Operation department for documentation, and disbursement of credit facilities sanctioned
  • Initiation of Legal & Property Valuation and CPA Monitoring on FTR/FTNR.

Quality Engineer

Salzer Electronics Ltd
Coimbatore
11.2014 - 05.2015
  • Conducted quality checks on Feeder Remote Terminal Units (FRTU), Panel Boards for Transformer, and Borewell Tankers.
  • Ensured adherence to all safety parameters by personnel in the manufacturing units.

Software Programmer

Zen Infotech
Arni
03.2013 - 10.2014
  • Developed standalone programs to interface real-time industry-level sensors with the system.
  • Created a remotely operating interface for industry operations, enhancing system efficiency and control.

Education

Bachelor’s Engineering Degree in EIE -

Thiruvalluvar College of Engineering & Technology (Anna University)
01.2013

MBA – Project Management -

Alagappa University

Skills

  • Credit limit Setting, Credit Analysis, Credit Underwriting, Risk Monitoring Portfolio Management, Ratio Analysis Financial Statement Analysis, Docs Screening Advanced Excel & its VBA Macros, SQL

Team Handling

  • Bajaj Finance Ltd, 10 Off-Role Employee’s
  • Wheels-Emi Pvt Ltd, 3 On-Role employee’s
  • PetroMoney Fintech, 3 On-Role employee’s

Personal Information

Date of Birth          : 11/01/1990

Languages Known : English, Tamil & Telugu

Products Exposure

  • Unsecured Business Loan - PetroMoney Fintech, Chennai -Held the position of Unsecured Business Loan Approval Authority, with the capacity to approve loans up to 20 lakhs. Handled Pan India L2 cases.
  • Two-Wheeler - Wheels-Emi Pvt. Ltd., Chennai, India
  • Commercial Vehicle (CV) & Two-Wheeler - Bajaj Auto Finance Ltd, Chennai, India, Handled South India L3 cases
  • Commercial Vehicle (CV) & Construction Equipment (CE) - HDB Financial Services (HDFC Credit Team), Chennai, India

Timeline

Retail Risk and Policy Audit Manager

Hero Fincorp
01.2023 - Current

Credit Manager

PetroMoney Fintech(Smart Planner Pvt. Ltd.)
02.2020 - 12.2022

Executive Credit Operation

Wheels-Emi Pvt. Ltd.
08.2019 - 02.2020

Credit Officer

Bajaj Finance Ltd
08.2017 - 08.2019

Credit Officer

HDB Financial Services (HDFC Group) Finance Ltd.
01.2016 - 07.2017

Quality Engineer

Salzer Electronics Ltd
11.2014 - 05.2015

Software Programmer

Zen Infotech
03.2013 - 10.2014

Bachelor’s Engineering Degree in EIE -

Thiruvalluvar College of Engineering & Technology (Anna University)

MBA – Project Management -

Alagappa University

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NAVANEETHAN S