PAVAN KUMAR SADHU
Chennai
Summary
Seasoned banker with 13+ years of experience in Retail and Commercial Credit. Strong leadership, communication, decision-making, and problem-solving skills. Proven track record of driving operational efficiency and enhancing team productivity.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Manager - Credit
Karur Vysya Bank Ltd
Chennai
04.2023 - Current
- Collaborated with multiple banks and NBFCs to execute Joint lending, Co-lending and Pool buyout deals averaging INR 50 Cr.
- Effectively presented loan proposals exceeding INR 3 Cr to central level committees (COCC, MCB, etc) through comprehensive CAM preparation.
- Demonstrated ability to collaborate cross-functionally in attending multiple internal and external audits with Inspection and Compliance departments.
- Analyzed loan operations for different retail loans to reduce TAT.
Credit Manager
Karur Vysya Bank
Chennai
07.2021 - 04.2023
- Assessed credit applications meticulously, making informed decisions based on thorough financial analysis and risk assessment.
- Ensured prompt and precise execution of credit transactions.
- Leveraged technology for enhanced efficiency and accuracy in credit management processes.
- Guided and supported other departments in developing new credit policies and procedures.
- Handled Government Sponsored Schemes related to Home loan and Education loan portfolios.
Manager- Credit Monitoring & Stressed Assets
Karur Vysya Bank Ltd
Visakhapatnam
04.2019 - 06.2021
- Evaluated customers for creditworthiness and conducted thorough investigations, addressing potential risk factors to devise robust asset protection strategies.
- Managed stock audit, revenue audit, credit audit, and statutory audit for the credit portfolio in collaboration with diverse stakeholders.
- Conducted thorough account reviews to identify fraud, non-payment issues, and early warning signals. Collaborated with the Stressed Assets Management Department to promptly address delinquent accounts.
- Reviewed and validated appraisals, title information, and insurance documents for each property.
- Advised on loan recommendations based on thorough analysis.
- Achieved a significant reduction in past due balances and bad debt by collaborating with different teams for achieving targets.
Manager - Branch Head
Karur Vysya Bank
Tirupathi
04.2017 - 04.2019
- Led a team of 07 employees to achieve high productivity and deliver excellent customer service.
- Oversaw all aspects of branch operations including customer service, staff scheduling, and product distribution to ensure smooth functioning.
- Assessed the effectiveness of both individuals and teams in achieving business goals, promoting improvements.
- Ensuring compliance with all applicable laws, regulations, and industry standards.
- Facilitated training activities to support staff development initiatives
Deputy Manager - Credit and Branch Operations
Karur Vysya Bank
Chennai
04.2014 - 04.2017
- Demonstrated efficient management of branch operations in the role of a second line officer.
- Handled branch credit portfolio that included Home Loans, LAP, Vehicle Loans, Working Capital, and Commercial Term loans.
- Collaborated with internal and external teams to conduct detailed Stock Audit and Credit Audit of INR 500 Lakhs+ exposures.
- Ensured compliance with loan service requirements during audits and inspections.
Assistant Manager - Clearing Operations
Karur Vysya Bank Ltd
Hyderabad
11.2012 - 04.2014
- Managed high volumes of both inward and outward clearing processes.
- Effectively handled the processing of return clearing, settlements, and claims for branches and other banks.
- Reconciled all GLs and trial balances
- Coordinated office activities with NPCI and RBI for migrating the bank's clearing process from MICR to CTS.
Assistant Manager - Branch Banking
Karur Vysya Bank Ltd
Bangalore
08.2011 - 11.2012
- Managed the security inventory, cash management and safe deposit locker operations effectively on a day-to-day basis.
- Maintained precise oversight of cash and payment transactions (RTGS/NEFT) along with a INR 250 Cr deposit portfolio.
- Increased sales revenue by developing customer relationships through efficient operations.
Education
B.Tech - Computer Science and Engineering
G Pulla Reddy Engineering College (Autonomous)
Kurnool, Andhra Pradesh08.2009
Skills
- Consumer Lending Expertise
- Securitization & Joint Lending Experience
- Credit Monitoring
- Client and Vendor Oversight
Certification
- Certified Credit Professional, IIBF, 09/01/20
- JAIIB, Indian Institute of Banking & Finance, 07/01/16
- SME Finance for Bankers, IIBF, 02/01/16
Accomplishments
- Completed ongoing professional training to facilitate accurate and productive credit management.
- Received an internal audit rating of low risk.
- Increased bottom-line profitability.
- Received award in F.Y.2017-18 & 2018-19 for business contribution.
- Consistently maintained high customer satisfaction ratings.
Languages
- Telugu, Bilingual or Proficient (C2)
- English, Bilingual or Proficient (C2)
- Hindi, Upper intermediate (B2)
- Tamil, Intermediate (B1)
Personal Information
- Date of Birth: 23-Aug- 1988
- Nationality: Indian
- Marital Status: Married
Languages
Telugu
First Language
English
Proficient (C2)
C2
Hindi
Upper Intermediate (B2)
B2
Tamil
Intermediate (B1)
B1
References
References available upon request.
Timeline
Senior Manager - Credit
Karur Vysya Bank Ltd
04.2023 - Current
Credit Manager
Karur Vysya Bank
07.2021 - 04.2023
Manager- Credit Monitoring & Stressed Assets
Karur Vysya Bank Ltd
04.2019 - 06.2021
Manager - Branch Head
Karur Vysya Bank
04.2017 - 04.2019
Deputy Manager - Credit and Branch Operations
Karur Vysya Bank
04.2014 - 04.2017
Assistant Manager - Clearing Operations
Karur Vysya Bank Ltd
11.2012 - 04.2014
Assistant Manager - Branch Banking
Karur Vysya Bank Ltd
08.2011 - 11.2012
B.Tech - Computer Science and Engineering
G Pulla Reddy Engineering College (Autonomous)
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