Ningappa Kalaji
Banglore
Summary
To expand knowledge, skills, sound practical experience with a progressive conglomerate, which can offer
career development and operational management in Banking / Financial Service domain areas and to work
with the Company that encourages creativity, quality and opportunities for advancement both in professional
and personal life and uses my knowledge towards the interest of the company
Overview
8
8
years of professional experience
Work History
Central Credit Manager
AU Small finance Bank
Bangalore
09.2024 - Current
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
Credit Manager
IDFC first Bharat(BC of IDFC first bank)
Mysore
05.2022 - 09.2024
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Established credit limits by analyzing financial information and assessing market conditions.
- Coordinated with sales and customer service departments to align credit policies with business objectives.
Bank Credit Manager
JM financial home loan ltd
Davanagere
08.2021 - 01.2022
- Determined loan approvals and prepared the required documentation upon approval
- Processed credit approval documents
- Prepared and disbursed loan commitment letters
- Maintained contact with all individuals with open loans or lines of credit
Bank Credit Mortgage Manager
Fullerton india credit company ltd(formerly known as SMFG)
Shimoga
02.2017 - 08.2021
- Managed all loan and credit requests and made approval decisions
- Maintained a database of all borrowers in accordance with bank standards
- Established and maintained portfolios of all current lenders
- Ensured that all credit and loan standards were applied
- Periodically reviewed lender portfolios to identify possible risks
Education
MBA - Marketing Management
Bapuji Institute of Engineering Technology Davanag
Davanagere 11-2016
Bachelor of Arts - English
RTES College Ranebennur
Ranebennur 06-2013
Skills
- Decision making
- Credit evaluations
- Investigations
- Credit risk management
- Application processing
- Loan decision assessments
- Application review
- Underwriting expertise
- Risk analysis
- Credit reports
- Sales expertise
- Loan reviews
- Credit analysis
- Credit scoring
Languages
English
Intermediate
B1
Kannada
Beginner
A1
Telugu
Intermediate
B1
Timeline
Central Credit Manager
AU Small finance Bank
09.2024 - Current
Credit Manager
IDFC first Bharat(BC of IDFC first bank)
05.2022 - 09.2024
Bank Credit Manager
JM financial home loan ltd
08.2021 - 01.2022
Bank Credit Mortgage Manager
Fullerton india credit company ltd(formerly known as SMFG)
02.2017 - 08.2021
MBA - Marketing Management
Bapuji Institute of Engineering Technology Davanag
Bachelor of Arts - English
RTES College Ranebennur