Priyadharsini I
Villupuram,Tamil Nadu
Summary
5.5 Years Experienced with credit assessment, risk management, and branch operations. Utilizes strategic decision-making and leadership to drive efficient credit processes. Knowledge of customer relations and team collaboration.
Overview
13
13
years of professional experience
2
2
Languages
Work History
Branch Credit Manager
IDFC First Bharat Ltd
Villupuram
08.2024 - Current
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.acheving targets and maintains repayments history also
- Analysing technical legal property documents and Tamil nilam and GIS app for avoiding risks
- Managing Legal and Technical vendors for smooth processing
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
Branch Credit Manager
Swarna Pragati Housing Micro Finance Ltd
04.2023 - 07.2024
- Highly skilled and experienced Housing Loan Credit Manager with past 2 years of expertise in managing loan portfolios, credit assessment, and risk management. Demonstrated success in evaluating and approving loan applications, ensuring compliance with regulatory standards, and maintaining high customer satisfaction. Proficient in financial analysis, credit scoring, and loan processing Known for exceptional problem-solving skills and a strategic approach to risk management, contributing to the growth and stability of the loan portfolio.
Rural Branch Credit Manager
Bajaj Finance Ltd
Villupuram
04.2016 - 05.2017
- In Which Worked as a Rural -Branch Credit Manager, managed the following products: Doctor Loans, Personal Loans, and Salaried Loans.
Agri Credit Manager
HDFC BANK LTD
Villupuram
04.2014 - 10.2015
- At HDFC, I worked as an Agri Credit Manager, handling products such as Agriculture Loans, Tractor Loans, SHG Loans and JLG Loans.
Content Executive
Iffco Kissan Sanchar Ltd
12.2012 - 03.2014
- Here, I worked as a Content Executive. My role included: 1. Preparation of Agriculture, Horticulture, and Animal Husbandry content for audio messages. Recording messages with future options and agricultural messages in the voices of successful farmers.Attending to farmers' queries through helpline calls via HCC, answering their questions, and connecting them with concerned experts.
Education
B.Sc. - Agriculture
Tamilnadu Agricultural University
Coimbatore05.2012
Skills
- Credit Analysis
- Risk Assessment
- Financial Analysis
- Decision Making
- Attention to Detail
- Loan underwriting
- Team management
References
Malathi, G, malathisathya3@gmail.com, 9791775838, Swarna Pragati Housing Micro Finance Ltd, Villupuram
Disclaimer
Villupuram, May 23, 2024 S. Priyadharsini
Timeline
Branch Credit Manager
IDFC First Bharat Ltd
08.2024 - Current
Branch Credit Manager
Swarna Pragati Housing Micro Finance Ltd
04.2023 - 07.2024
Rural Branch Credit Manager
Bajaj Finance Ltd
04.2016 - 05.2017
Agri Credit Manager
HDFC BANK LTD
04.2014 - 10.2015
Content Executive
Iffco Kissan Sanchar Ltd
12.2012 - 03.2014
B.Sc. - Agriculture
Tamilnadu Agricultural University
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