PRAVEEN KUMBAR B J
Branch credit Manager
Honnali,KA
Summary
Experienced credit professional with 4+ years in loan underwriting, credit analysis, and collateral evaluation. Skilled in risk assessment, compliance review, and branch-level approvals that protect portfolio quality and support sound lending decisions.
Overview
4
4
years of professional experience
Work History
Branch Credit Manager
Tyger Capital Pvt Ltd
12.2025 - Current
- Evaluated branch credit applications and verified borrower documentation for lending decisions.
- Assessed customer creditworthiness using income proofs, repayment history, and internal policies.
- Coordinated with sales and operations teams to complete loan processing accurately.
- Monitored delinquent accounts and initiated follow-up actions for repayment recovery.
- Reviewed credit files for policy compliance and identified documentation discrepancies.
- Supported branch-level credit approvals by preparing risk summaries and recommendations.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Responsible for handling and maintaining TPT reports, including Legal, Technical, and RCU reports, ensuring accuracy and timely completion.
- Evaluating and recommending loan cases ranging from ₹5 lakhs to ₹75 lakhs under the Banking, Low LTV, and Equalizer programs based on customer eligibility and applicable lending criteria.
Credit Monitor
MANAPPURAM HOME FINANCE LTD
12.2022 - 12.2025
- Worked as Branch Credit officer from Dec 2022 to Dec 2023, later based on performance promoted to Credit Monitor
- Complete and Proper Application Form
- Verifying the KYC documents of Customer
- Inspection Of the Immovable Property
- Visiting other Branches for Credit Monitoring Purpose ( Karnataka Regions )
- Fraud Reporting
- Following The Policies
- Preparing Credit Monitor Module in the system .To Ensure that Standard Accounts continue to remain standard and do not slip to NPAs
- Verification Of End use of Funds through Inspection, Records.
Education
Bachelor of Science - Physics Mathamatics Electronice
DVS College of Arts And Science
Shimoga 04.2001 -
Science
MBR PU College
Sirigere 04.2001 -
SSLC
Sri Vinayaka High School
Benakanahalli05-2014
Skills
Team management
Loan underwriting
Credit analysis
Sales strategies
Portfolio management
Collateral evaluation
Cash flow assesment
MS word, MS Excel
Timeline
Branch Credit Manager
Tyger Capital Pvt Ltd
12.2025 - Current
Credit Monitor
MANAPPURAM HOME FINANCE LTD
12.2022 - 12.2025
Bachelor of Science - Physics Mathamatics Electronice
DVS College of Arts And Science
04.2001 -
Science
MBR PU College
04.2001 -
SSLC
Sri Vinayaka High School