PRABAKARAN M
Kolathur
Summary
Results-oriented professional with a strong skill set and a passion for growth. Committed to driving success and providing innovative solutions in a challenging organizational setting.
Skilled Regional Credit Manager with deep understanding of credit risk management and portfolio strategy. Notable in leveraging technical skills to streamline processes, enhance productivity, and improve operational efficiency. Strong analytical skills applied in previous role to ensure financial stability and mitigate risks for the business. Known for fostering team collaboration, improving customer relationships, and making impactful contributions to overall business growth.
Overview
14
14
years of professional experience
Work History
Regional Credit Manager
Grihum Housing Finance Ltd
TN & KL
06.2022 - Current
- Supervised all credit and operations resources regionally
- Measured the branch and resource productivity with effective profitability of each branch.
- Developed and implemented regional credit policies and procedures.
- Analyzed financial statements to assess customer creditworthiness.
- Enhanced underwriting standards, creating a good quality of portfolio.
- Conducted periodic reviews of existing customer accounts to ensure compliance with terms and conditions of the agreement.
- Provided training, guidance, and support to junior credit staff members.
Area Credit Manager
Jana Small Finance Bank
ROTN
02.2019 - 06.2022
- Grade: Senior Manager, Banking.
- Supervised all credit and operations resources in the cluster.
- Enhanced customer support for branch services
- Measured the branch and resource productivity with effective profitability of each branch.
- Developed and implemented regional credit policies and procedures.
- Analyzed financial statements to assess customer creditworthiness.
Area Credit Manager
Bajaj Housing Finance Ltd
Salem & Erode
10.2017 - 02.2019
- Product: Secured Loans
- Supervised all credit and operations resources in the cluster
- Distributing housing loan with better quality
- Providing support for cross-selling initiatives like gold loans
- Measured the branch and resource productivity with effective profitability of each branch.
- Developed and implemented regional credit policies and procedures.
- Analyzed financial statements to assess customer creditworthiness.
Asst. Branch Credit Manager
Bajaj Finance Ltd
Salem & Erode
04.2016 - 10.2017
- Product: Gold loan, secured and unsecured loans.
- Underwriting the onboarding customers for booking of business.
- Cross-selling of gold loans and supporting the branch functions.
- Maitaining Branch profitability
Credit Officer
Ujjivan Financial Services Pvt Ltd
09.2015 - 03.2016
- Product: Secured & Unsecured Loan
- Experience: 6 Months
Junior Relationship Executive
Muthoot Group
Mettur & Kolathur
08.2011 - 08.2015
- Product: Gold Loan, Secured and Unsecured Loan distributing.
- Acquiring customers for cross-selling other products like deposit, money transfer, insurance, and forex.
- Developed and implemented comprehensive customer relationship management plans.
- Collaborated with internal teams to develop strategies for enhancing customer relationships.
- Monitored sales performance against targets set by senior management team.
Asst. Branch Head
Manappuram General Finance And leasing Ltd
Mettur & Kolathur
06.2010 - 08.2011
- Product: Gold Loan, Secured and Unsecured Loan distributing.
- Acquiring customers for cross-selling other products like deposit, money transfer, insurance, and forex.
- Developed and implemented comprehensive customer relationship management plans.
- Collaborated with internal teams to develop strategies for enhancing customer relationships
Education
B. Sc. - Textiles and Fashion Designing
Sri Kandhan Arts and Science College
Namakkal01.2010
Higher Secondary -
Nirmala Higher Secondary School
Kolathur01.2007
Secondary -
Nirmala Higher Secondary School
Kolathur01.2005
Skills
- MS Office
- Open Office
- Effective Customer Relationship Management
- Customer Acquisition Expertise
- Fulfill all financial need of the customer with better cross selling
- Motivate the team & each branch resources for better productivity delivery
- Enhancing Branch Profitability
- Authorizations knowledge
- Achieve the branch targets for all products and all parameters
- Broad experience in creating and implementing sales and marketing plans
- Best Team handling including Vendor management
- Audit query resolving
- Never convince and compromise the business quality at any time
- Can be molded to fit into any position
- Ability to deal with people diplomatically
- Lead our Team to higher position with my leadership experience
- Excellence of communication and customer management skills
- Skilled in resolving customer and project issues
- Risk mitigation strategies
- Portfolio Management
- Fulfill the common people's housing dreams
- Distributing Housing Loans - LAP & HL
- Helping to maintain the portfolio quality based on underwriting with the team
- Underwrite the Secured and unsecured Loans
Accomplishments
- SCOUT - Rajya Purashkar (Governor Award)
- NSS Best Award
- NSS (Best Consumer Award)
- Participate Pre-RD camp (Mangalore and Trivandrum)
- Basketball Divisional Runner
Academicchronicle
- B. Sc. in Textiles and Fashion Designing, 2010, Sri Kandhan Arts and Science College, Namakkal, 76%
- Higher Secondary, 2007, Nirmala Higher Secondary School, Kolathur, 65%
- Secondary, 2005, Nirmala Higher Secondary School, Kolathur, 75%
Languages
- English
- Tamil
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge.
Roles And Responsibilities
- Fulfill the housing dreams of the public and help them to achieve the own House goal
- Maintaining the portfolio quality with underwriting
- Train the Credit Managers and Credit underwriters for appraise the HL proposal
- Guide the Area Credit manager to streamline and adopt the process and policies
- Create the relationship between lower management to middle management and senior management for better & smooth process coordination
- Vendor Management for Legal, technical and RCU for getting the reports on-time
- Decision the case within the TAT
- Distribute the HL with good quality and avoid unnecessary delay
- Dispatch and Storage Activity
- OTC & PDD Tagging and clear the OTC & PDD within the TAT
- Analysis the Customer Repayment Capacity and Compete Appraise of the customer
- Developing and cultivating the relationship with the customers
Personal Information
- Father's Name: N.Madhu
- Date of Birth: 07/27/89
- Nationality: Indian
- Marital Status: Married
Timeline
Regional Credit Manager
Grihum Housing Finance Ltd
06.2022 - Current
Area Credit Manager
Jana Small Finance Bank
02.2019 - 06.2022
Area Credit Manager
Bajaj Housing Finance Ltd
10.2017 - 02.2019
Asst. Branch Credit Manager
Bajaj Finance Ltd
04.2016 - 10.2017
Credit Officer
Ujjivan Financial Services Pvt Ltd
09.2015 - 03.2016
Junior Relationship Executive
Muthoot Group
08.2011 - 08.2015
Asst. Branch Head
Manappuram General Finance And leasing Ltd
06.2010 - 08.2011
B. Sc. - Textiles and Fashion Designing
Sri Kandhan Arts and Science College
Higher Secondary -
Nirmala Higher Secondary School
Secondary -
Nirmala Higher Secondary School
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