Naveenkumar T
Thiruvarur
Summary
Dedicated Credit Manager with high integrity and deep knowledge of the field bringing 8 years of related experience to support business financial needs. Specializing in mortgage credit administration.
Overview
10
10
years of professional experience
Work History
Branch Credit Manager (Micro LAP)
Piramal Finance
Kumbakoman
05.2025 - Current
- Maintained up-to-date knowledge of relevant regulations including those pertaining to consumer lending.
- Established standards for evaluating customer credit worthiness prior to approving loan applications.
Branch Credit Manager (LAP,HL,PL&MEL)
IDFC First Bharat Ltd
Nagapattinam
11.2023 - 05.2025
- Coordinated with other departments to ensure proper due diligence was completed prior to granting credit approval.
- Reviewed customer accounts to identify delinquencies and recommend collection action plans.
- Assisted in preparing monthly financial reports highlighting key performance indicators.
Credit Manager (Retail Agri- KGC and SLI)
HDFC Bank
Thiruvarur
11.2021 - 11.2023
- Responsible for underwriting TAT, Tracking portfolio behaviour.
- Managing Borrower Eligibility Test, cash Flow Analysis, FE empanelment & Credit Analysis.
- Diplomacy with other stake holders, Business & Operations team.
Officer at RPMS
HDFC Bank
Chennai
07.2019 - 11.2021
- Publishing collection strategy. (Delinquent portfolio allocation)
- Responsible for rollout comprehensive daily /monthly MIS for tracking portfolio performance.
Officer in Debt Management
HDB
Chennai
07.2016 - 07.2019
- Delinquency tracking in Retail Assets & credit cards.
- Lien, debit reconciliation & customer communication.
Junior Merchandiser
Stanfab Apparels
Chennai
07.2015 - 06.2016
- Developing new business orders.
- Production & shipment tracking.
Education
B.Tech - Petroleum science
Anna university (Rajiv Gandhi College of Engineering-Sriperumbudur)
Sriperumbudhur06-2013
XII - Computer Science
Swami Dayananda Higher Secondary School-Manjakkudi
Thiruvarur05-2009
X - General Studies
Swami Dayananda Higher Secondary School-Manjakkudi
Thiruvarur06-2007
Skills
- MIS Analysis
- Credit Analysis
- Team organizer
- Customer evaluation
- Risk assessment
- Portfolio management
- Stakeholder communication
- Collateral evaluation
- Loan underwriting
- Credit evaluations
- Cash flow analysis
- Proficient with SFDC, Flexcube,LOS
Accomplishments
Successfully completed STP (Straight Through Process) in Automation of Auto debit fund allocation strategy
Personal Information
- Father's Name: Thamilmani
- Blood Group: AB positive
- Date of Birth: 03/10/92
- Marital Status: Married
Languages
Tamil
First Language
English
Advanced
C1
Timeline
Branch Credit Manager (Micro LAP)
Piramal Finance
05.2025 - Current
Branch Credit Manager (LAP,HL,PL&MEL)
IDFC First Bharat Ltd
11.2023 - 05.2025
Credit Manager (Retail Agri- KGC and SLI)
HDFC Bank
11.2021 - 11.2023
Officer at RPMS
HDFC Bank
07.2019 - 11.2021
Officer in Debt Management
HDB
07.2016 - 07.2019
Junior Merchandiser
Stanfab Apparels
07.2015 - 06.2016
B.Tech - Petroleum science
Anna university (Rajiv Gandhi College of Engineering-Sriperumbudur)
XII - Computer Science
Swami Dayananda Higher Secondary School-Manjakkudi
X - General Studies
Swami Dayananda Higher Secondary School-Manjakkudi