PRADEEP S
Finance & Banking
Bangalore
Summary
I have always got the recognition for my performance and I wish to obtain a challenging carrier in the field of Accounts and Finance, utilizing proven abilities developed through my work experience and educational qualification with the opportunity for professional growth based on merit and performance.
Overview
14
14
years of professional experience
3
3
Languages
Work History
Sr.Area Credit Managers
Cholamandalam Investment and Finance Company Ltd
12.2021 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Sr, Area Collection Manager
Bajaj Finance Ltd
05.2020 - 11.2021
- Company Overview: Bajaj finance is a Leading Non-Banking Financial Company which offers a unsecured loans to all type of Business profile customers
- Loan range starts from 10lakh to 45 lakhs
- Debt portfolio Management Unsecured and Secured Case
- Case allocation Filed team and mentoring Team performance
- Analysis of Problematic case providing resolution and Skip case tracking
- Collection Process Management
- Bajaj finance is a Leading Non-Banking Financial Company which offers a unsecured loans to all type of Business profile customers
- Loan range starts from 10lakh to 45 lakhs
Sr, Area Credit Manager
Bajaj Finance Ltd
11.2016 - 05.2020
- Evaluating credit proposals covering financial, business and industrial risk and decisioning of the loan
- To ensure Bounce Rate and delinquency are within acceptable standards
- Monitor and enforce approval rate and TAT as per company standards
- Monitor and ensure that monthly Branch audit score is satisfactory
- To conduct customer meeting to evaluate credit proposal
- Within span 4 year of Joining date promoted from Credit Manager to Area credit manager and Sr
- Credit manager
Credit Relationship Manager
HDB Financial Services Ltd
11.2014 - 10.2016
- Company Overview: HDB Financial services Limited is a subsidiary company of HDFC Bank Limited
- HDBFS is a leading Non-Banking Financial company which offers a wide range of secured and unsecured loans to customers
- Evaluating credit proposals covering financial, business and industrial risk and decisioning of the loan
- To ensure Bounce Rate and delinquency are within acceptable standards
- Monitor and enforce approval rate and TAT as per company standards
- Monitor and ensure that monthly Branch audit score is satisfactory
- Vendor management
- To conduct customer meeting to evaluate credit proposal
- PDD Tracking and closure
- To conduct sales training on monthly basis
- Monitoring Branch collection on all products up to 3rd Bucket
- HDB Financial services Limited is a subsidiary company of HDFC Bank Limited
- HDBFS is a leading Non-Banking Financial company which offers a wide range of secured and unsecured loans to customers
Branch Manager
Muthoot Fin Corp Ltd
08.2010 - 10.2014
- Company Overview: Muthoot Fin corp Ltd
- Is a Kerala based company which is into Gold Loan Business
- Manage and Handle Branch
- Improve Productivity of branch in terms of Growth in Gold Loan Outstanding
- Follow Process and procedure of the Branch
- Drive and motivate Staffs for desired productivity
- Cross selling of Gold Coins, Secured Debentures & other Third party products with the branch walk-in customers
- Developed 2 CSE’s as Branch Manager
- Muthoot Fin corp Ltd
- Is a Kerala based company which is into Gold Loan Business
- I was joined company as Branch service executive, on 23-Jan 2011 promoted as Branch In charge and later on 16 July 2012 promoted as Branch Manager
Education
B.B.M - undefined
Sahyadri Arts and commerce college
ShimogaP.U.C - undefined
Govt., Junior College. Hiriyur
HiriyurS.S.L.C - undefined
Sir Vagdevi High School
HiriyurSkills
Self-evolving
Careerachievementobjective
I have always got the recognition for my performance and I wish to obtain a challenging carrier in the field of Accounts and Finance, utilizing proven abilities developed through my work experience and educational qualification with the opportunity for professional growth based on merit and performance.
Disclaimer
I hereby declare that all information provided by me is true to the best of my knowledge.
Personal Information
- Father's Name: Shivaswamy PM
- Date of Birth: 05/05/89
- Gender: Male
- Marital Status: Married
Timeline
Sr.Area Credit Managers
Cholamandalam Investment and Finance Company Ltd
12.2021 - Current
Sr, Area Collection Manager
Bajaj Finance Ltd
05.2020 - 11.2021
Sr, Area Credit Manager
Bajaj Finance Ltd
11.2016 - 05.2020
Credit Relationship Manager
HDB Financial Services Ltd
11.2014 - 10.2016
Branch Manager
Muthoot Fin Corp Ltd
08.2010 - 10.2014
B.B.M - undefined
Sahyadri Arts and commerce college
P.U.C - undefined
Govt., Junior College. Hiriyur
S.S.L.C - undefined
Sir Vagdevi High School
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