Ningappa S Kalaji
Bengaluru
Summary
Dynamic Portfolio Credit Manager with a proven track record at Au Small Finance Bank, excelling in credit risk management and financial analysis. Enhanced portfolio health by reducing NPA ratios by 5% through strategic decision-making and effective team leadership. Skilled in data analysis and communication, driving successful credit assessments and approvals.
Overview
8
8
years of professional experience
Work History
PORTFOLIO CREDIT MANAGER
Au Small Finance Bank
Bangalore
09.2024 - Current
- Housing loan -Secured Business loan & Loan against Property
- Decision Making: Pan India Affordable housing loan day to day Soft cases Approve or Reject, Analysis & Underwriting, soft sanction, Delegation Authority
- Credit Analysis
- Portfolio Management Improved credit risk management by implementing effective, underwriting policies and procedures.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution
- Risk Management Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
- Reviewed and analyzed loan procedures.
- Designed and maintained financial models to identify and measure risks.
SENIOR CREDIT MANAGER
IDFC first Bharat Ltd
Mysore
05.2022 - 09.2024
- Company Overview: Subsidy by IDFC first bank Ltd
- Conducted comprehensive credit assessments for Rural and Urban clients, leading to successful credit limit approvals worth INR 75 Lakhs Crores.
- Handling Products: Housing loan and Loan against property Secured Business loan & MSME, PL, CV
- > PD visit Both Customer residence place and Business, Office visit
- > Customer point verification
- > Cibil check
- > Soft sanction
- > Underwriting
- > Legal and Technical initiative
- > Hard sanction
- > TAT, MIS, Error, Productivity, Tele verification
- > Research and evaluate clients' creditworthiness
- > Create credit scoring models to predict risks
- > Approve or reject loan requests, based on credibility and potential revenues and losses
- > Calculate and set interest rates
- > Negotiate loan terms with clients
- > Monitor payments
- Developed risk management strategies that improved overall portfolio health, reducing the NPA ratio by 05%.
- Collaborated with cross-functional teams to streamline credit approval processes, cutting down turnaround time by 25%.
- Subsidy by IDFC first bank Ltd
BRANCH CREDIT MANGER
J M financial home loans ltd
Davanagere
08.2021 - 01.2022
- Loan document verification including KYC along with the Customer house visit
- Mainting the Quality Portfolio
- Handling Products: Housing loan -Secured, Loan against Property loan, Business loan & MSME, PL
- > PD visit Both Customer residence place and Business, Office visit
- > Customer point verification and Verify the Property and KYC documents
- > Customer Point verification the applicant income and expenses
- > Customer Point verification the applicant Cibil check
- > Soft sanction
- > Underwriting
- > Legal and Technical initiative
- > Hard sanction
- > Productivity, Tele verification
- > Research and evaluate clients' creditworthiness
- Approve or reject loan requests, based on credibility and potential revenues and losses
BRANCH CREDIT MORTGAGE MANAGER
Fullerton India Credit Company Ltd
Shimoga
02.2017 - 08.2021
- Company Overview: Formerly known as SMFG
- Loan document verification including KYC along with the Customer house visit
- Mainting the Quality Portfolio
- Handling Products: Housing loan -Secured, Loan against Property loan, Business loan & MSME, PL
- > PD visit Both Customer residence place and Business, Office visit
- > Customer point verification and Verify the Property and KYC documents
- > Customer Point verification the applicant income and expenses
- > Customer Point verification the applicant Cibil check
- > Soft sanction
- > Underwriting
- > Legal and Technical initiative
- > Hard sanction
- > Productivity, Tele verification
- > Research and evaluate clients' creditworthiness
- Approve or reject loan requests, based on credibility and potential revenues and losses
- Formerly known as SMFG
Education
MBA - MARKETING
Bapuji institute of engineering technology
Davangere01.2016
B COM -
RTES Collage
01.2013
ARTS -
Karnataka PUC Board-Governemnt PU Collage
01.2010
Skills
- Financial analysis
- Portfolio management
- Team leadership
- Credit risk management
- Data analysis
- Problem solving
- Communication skills
- MS Office
- MS Excel
Timeline
PORTFOLIO CREDIT MANAGER
Au Small Finance Bank
09.2024 - Current
SENIOR CREDIT MANAGER
IDFC first Bharat Ltd
05.2022 - 09.2024
BRANCH CREDIT MANGER
J M financial home loans ltd
08.2021 - 01.2022
BRANCH CREDIT MORTGAGE MANAGER
Fullerton India Credit Company Ltd
02.2017 - 08.2021
MBA - MARKETING
Bapuji institute of engineering technology
B COM -
RTES Collage
ARTS -
Karnataka PUC Board-Governemnt PU Collage
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