PRAKASH MOHAN V
ADITYA BIRLA CAPITAL LIMITED
Pondicherry
2
Languages
10
years of professional experience
Dedicated Credit Manager with over nine years of experience in the financial sector, specializing in credit management, financial analysis, and loan processing. Proven expertise in risk assessment, credit analysis, portfolio maintenance, and bad debt management, with a strong emphasis on fostering long-term client relationships. Recognized for collaborative teamwork and a consistent track record of achieving results. Highly reliable and adaptable, with strong skills in financial reporting, regulatory compliance, and strategic planning that drive organizational success.
Work History
Credit Manager
1 Year 6 Months- Presently responsible for end-to-end credit oversight and portfolio management across multiple branches, including Chennai, Pondicherry, Villupuram, Cuddalore, Panruti, and Neyveli.
- Presently overseeing a multi-level credit team consisting of 3 CPAs, 4 Credit Officers, and 2 Credit Managers, driving credit quality, compliance, and business growth
- Presently managing Prime LAP loan proposals with ticket sizes ranging from 3 lakhs to 3 crores.
- I have strong experience in multiple income assessment programs including: Cash Profit Method, EBITDA Margin Program, Turnover-Linked Program, Average Banking Program, CA Assessment Program, Low LTV Program ,Subject-to Cash Flow Program,LIP Program, Repayment & Balance Transfer Program
- Evaluate and underwrite Prime LAP proposals, including salaried and self-employed borrowers, in line with credit policy and regulatory guidelines
- Conduct detailed credit appraisal covering income analysis, cash-flow assessment, repayment capacity, and overall risk profiling
- Assess property-related documents, legal and technical reports, and ensure proper valuation and title clearance
- Manage portfolio quality by monitoring delinquencies, identifying early warning signals, and driving timely corrective actions
- Oversee bad debt management, including restructuring, recovery coordination, and NPA control
- Ensure compliance with internal credit policies, RBI regulations, and audit requirements
- Collaborate with sales, legal, and operations teams to ensure smooth loan processing and timely disbursement
- Maintain strong client and stakeholder relationships while balancing risk and business growth objectives
- Prepare and review credit notes, MIS reports, and portfolio performance analysis for management review.
Senior Branch Credit Manager
10 Months- Oversee the branch’s lending operations, ensuring compliance with the bank’s credit policies.
- Monitor all credit facilities, including loans, Collections.
- Evaluate creditworthiness of clients using financial statements, credit history, and market conditions.
- Identify potential risks and recommend mitigation strategies.
- Supervise and guide the branch credit team.
- Train junior officers in credit appraisal and risk management.
- Work with branch managers to balance business growth with credit quality.
- Recommend suitable credit products to clients based on needs and risk profile.
- Ensure adherence to regulatory requirements and internal credit policies.
- Prepare and submit credit reports, portfolio analyses, and exception reports to higher management
Branch Credit Manager
1 Year 3 Months- Conducted meetings and personal discussions (PD) with customers to understand their business operations, financial profile, and loan requirements.
- Visited customers’ business premises, properties, and residences during the PD process
- Assessed actual business income and expenses beyond reported financial statements.
- Studied, analyzed, and interpreted legal and technical reports related to property.
- Underwrote loans against property based on financial and risk analysis.
- Prepared credit appraisal notes and recommended cases to supervisors according to the deviation/approval matrix.
- Followed up with the FI and FCU teams for necessary documentation and approvals.
Branch Credit Manager
1 Year 4 Months- Evaluate loan applications from businesses for viability and creditworthiness.
- Analyze financial statements, cash flows, balance sheets, income statements, and business plans.
- Assess the repayment capacity of the borrower based on historical and projected financial data.
- Conduct industry and market analysis to gauge potential risks.
- Negotiate loan terms with clients, including interest rates, repayment schedules, and collateral arrangements
- Monitor ongoing performance of business loans.
- Ensure timely follow-up on overdue payments.
- Conduct financial ratio analysis: current ratio, quick ratio, debt-to-equity, cash conversion cycle, etc
Credit Manager
1 Year 10 Months- Credit assessment within a regional credit team structure with bias towards higher volumes (15 to 25 files per month).
- Responsible for the implementation and adherence to company credit policies, practices, and procedures across multiple geographic areas.
- Assessment of borrowers' profiles, repayment capacity, and income stability.
- Understand and interpret the results of financial analysis, banking analysis, and bureau reports.
- Analysis of all customer-related information in line with credit and risk policy to check eligibility.
- Meeting and personal discussion (PD) with customers to understand their business, profile, and loan requirements.
- Visiting the business premises, property, and residence of the customer at the time of PD.
- Understanding of actual business income and expenses (other than reported income) of the customer.
- Study, analysis, and interpretation of legal and technical reports of property.
Accounts Executive
1 Year 8 Months- Receive and verify supplier/vendor invoices.
- Ensure invoices match purchase orders and delivery receipts (3-way matching).
- Schedule and process payments to vendors via checks, bank transfers, or online payments.
- Ensure timely payments to maintain good supplier relationships.
- Maintain accurate records of all payables.
- Reconcile AP ledger with supplier statements.
- Implement procedures to prevent duplicate or fraudulent payments.
- Coordinate with auditors for internal and external audits.
Education
MBA - HR&FINANCE
B.COM - CS (Accounting)
12TH STANDARD - Business Maths
10TH STANDARD
Skills
Credit risk assessment and financial analysis
Evaluation of financial statements and cash flow
Credit policy development and enforcement
Credit limit setting and approval authority
Accounts receivable and collections management
Reduction of bad debt and DSO optimization
Compliance with credit regulations and internal controls
Customer credit reviews and ongoing monitoring
Accomplishments
- Star Performer: Awarded Star Performer in JFM for outstanding performance in Credit Analysis and Sanction, Disbursement consistently achieving overall JFM targets.
- Sports Excellence: Won prizes in cricket and football at various state-level competitions during school and college.
LANGUAGES
Tamil: Bilingual or Proficient (C2)
English: Bilingual or Proficient (C2)
PERSONAL DETAILS
- Father Name: Vanjinathan N
- Mother Name: Sathiya Bama V
- Date of birth: 17.08.1992
- Nationality: Indian
- Sex: Male
- Languages Known: Tamil, English
- Current Location: Pondicherry
- Marital Status: Married
Timeline
Credit Manager
ADITYA BIRLA CAPITAL LIMITED
02.2025 - CurrentRead More
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04.2024 - 02.2025Read More
Branch Credit Manager
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12.2022 - 03.2024Read More
Branch Credit Manager
VISAGEHOLDINGANDFINANCEPVT LTD (KINARA CAPITAL)
08.2021 - 12.2022Read More
Credit Manager
AADHARHOUSINGFINANCELIMITED
09.2019 - 07.2021Read More
Accounts Executive
DATAMATICSGLOBANDSERVICE LIMITED
09.2016 - 05.2018Read More
Pandit Duraisamy High School
10TH STANDARD
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Government Technical Higher Secondary School
12TH STANDARD from Business Maths
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Sradha Gangatharan Art And Science Collage
B.COM from CS (Accounting)
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Sri Manakula Vinayagar Engineering Collage
MBA from HR&FINANCE
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