R. Karthik
Credit Manager
43/1,Ramasamy Mudhaliyar Street, Kochadai, Madurai,TN
Summary
SYNOPSIS Over all (10 years) of experience in Banking & NBFC Domain. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions.
Overview
10
10
years of professional experience
6
6
years of post-secondary education
Work History
Manager
Bajaj Finserv Ltd
Madurai, TAMIL NADU
07.2015 - Current
- Spot visit for High Value Customer profile before funding.
- Ensuring CIBIL, SFDC, FINNONE, for new and Existing customers.
- Ensuring operation guideline, company norms and polices in a proper manner and Supporting Business.
- Ensuring no works done beyond company norms and policy in operation guidelines.
- Maintaining the loan documentation in an proper format as per operation guideline.
- Responsible for security and safety in accordance with the Branch's objectives.
- Following up with the customer for interest payment and knowledge them the new product introduced.
- Responsibilities for Branch smooth functioning of Operation and Sales as well.
- Achievement:.
- Hero’s Award –Nov 2021.
- Hero’s Award -Dec 2020.
- Sprinter Award -2018.
- Sprinter Award-2018.
- Super Achiever Award-2019
- Kudos Award -2019
Kotak Mahindra Bank Ltd
Madurai
12.2014 - 07.2015
- Preparing CAM, ensuring proper and correct information.
- Checking and appraising proposals, scrutinizing documents including SOA analysis, Cibil analysis ensuring proper KYC etc before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO.
- Handling all system related work including entry into System etc.
- Reference check of the customers from neighbors, customers, suppliers, market and/or existing customers.
- Coordinating with RCU team (including verification from Astute).
- Keeping update about market scenario in his area and giving constant updates to Head office credit team.
- Spot visit for High Value Customer profile before funding.
- Ensuring CIBIL, NCIF for new and Existing customers.
- Primary assessment & analysis of reasons of non-starter cases.
Branch Manager In-charge
India Info Line Ltd
Thirumangalam
12.2013 - 12.2014
- Handling branch walk-in customers & ensure desired footfall in the branch.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Adhere to the administrative process, policies & disciplines of the organization.
- Ability to read the mind of the customer & understand their needs & interest & cater to the same.
- To guide & provide the customers with proper detail about the available products & schemes.
- Solve the queries of the customers in a harmonious manner & handle customer in a cooperative & efficient way.
- Acquire new customers through referencing, convince them & grow interest in them to visit the branch.
- Keep the existing customers up dated with their existing accounts details, interest to be paid etc.
- Product Knowledge:.
- Personal Loan.
- Business Loan.
- Gold Loan.
- Salaried Personal loan.
Quality Analyst
Value optimized solutions India Pvt ltd
Chennai, TAMIL NADU
07.2011 - 07.2013
- Client: Diebold, U. S Domain : Banking Operating System : Linux, The Sold is basically a Sales Order Life Cycle Delivery System, which has the users as Sales Executives; they have provision to track their Sales history and Order Status, the System has the Core functionalities like Sales Team Management, Performance Management, Manager of Performer and Viewer.
- Role Description Worked as BPM Analyst and my role is to Perform Analyze the client’s requirements by ensuring quality and time.
- Responsibilities.
- Quick analyzing the business and functional requirements given by the client and raising clarifications.
- Test Status Reporting to Manager on daily basis.
- Performed in compatibility testing to ensure the functionality working as expected in different browsers.
Education
Bachelor of Engineering - Electronics & Communication
Vickram College of Engineering
01.2007 - 01.2010
HSC -
Jeyaraj Nadar Higher Secondary School
Madurai 05.2004 - 03.2005
SSLC -
KNPMPS Higher Secondary School
Madurai 05.2002 - 03.2003
Diploma - Business Management
NMIMS UNIVERSITY
Mumbai 07.2019 - 12.2020
Completed “Advance Training in Software Testing (Manual And Automation)” Course -
Accord Info Matrix
ChennaiSkills
Lending regulations
undefinedTimeline
Diploma - Business Management
NMIMS UNIVERSITY
07.2019 - 12.2020
Manager
Bajaj Finserv Ltd
07.2015 - Current
Kotak Mahindra Bank Ltd
12.2014 - 07.2015
Branch Manager In-charge
India Info Line Ltd
12.2013 - 12.2014
Quality Analyst
Value optimized solutions India Pvt ltd
07.2011 - 07.2013
Bachelor of Engineering - Electronics & Communication
Vickram College of Engineering
01.2007 - 01.2010
HSC -
Jeyaraj Nadar Higher Secondary School
05.2004 - 03.2005
SSLC -
KNPMPS Higher Secondary School
05.2002 - 03.2003
Completed “Advance Training in Software Testing (Manual And Automation)” Course -
Accord Info Matrix
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