R. SRINIVASAN
Credit Manager
Tindivanam
Summary
Strategic Senior Credit Manager with over 10 years of experience in microfinance and MSME lending. Expertise in evaluating creditworthiness, analyzing financial statements, and mitigating portfolio risk while ensuring compliance with regulations. Experienced in managing multi-branch operations and conducting credit audits to support business growth through effective portfolio monitoring.
Overview
13
13
years of professional experience
Work History
Senior Credit Manager
Belstar Microfinance Ltd
11.2021 - Current
- Underwriting & Assessment: Analyze creditworthiness by reviewing income tax returns, balance sheets, and bank statements for self-employed/salaried applicants
- Personal Discussions (PD): Conduct site visits to the customer’s business, office, or residence to assess business viability, intent, and repayment capacity.
- Risk Mitigation: Evaluate Loan-to-Value (LTV) ratios, property legal/technical reports, and CIBIL reports to minimize delinquency.
- Process & Compliance: Ensure adherence to RBI guidelines and internal credit policies while managing Turnaround Time (TAT) from loan login to disbursement.
- Portfolio Management: Monitor the quality of the portfolio and manage delinquency levels
- Key Responsibilities
- Managing and supervising the credit and operational performance of 23 branches across assigned regions.
- Handling underwriting and approval processes for secured and unsecured loan proposals.
- Evaluating customer financial strength, repayment capacity, business cash flow, and creditworthiness.
- Conducting detailed credit assessments to ensure adherence to company lending policies and risk frameworks.
- Monitoring portfolio quality and identifying early warning signals to minimize loan defaults and NPAs.
- Reviewing customer documentation, banking patterns, business stability, and collateral details.
- Coordinating with branch teams to strengthen loan quality and improve operational efficiency.
- Conducting field investigations and property assessments for secured lending cases.
- Monitoring early-stage EMI collections during the first six-month repayment cycle.
- Supporting management with risk mitigation strategies and portfolio improvement initiatives.
- Key Achievements:
- Successfully managed credit operations for 23 branches with consistent portfolio monitoring.
- Strengthened underwriting quality and reduced operational credit risk through effective assessment practices.
- Improved early-stage collection tracking and repayment monitoring processes.
Audit Officer – SHG JLG MSME & LAP Model
Belstar Microfinance Ltd
08.2016 - 11.2021
- Key Responsibilities:
- Conducted internal audits for branches focusing on cash handling, operational processes, customer documentation, and compliance.
- Prepared Quarterly Regular Audit Reports and Monthly Statutory Audit Reports for management review.
- Performed field verification of SHG/JLG borrowers to validate loan utilization and customer authenticity.
- Identified operational gaps, compliance deviations, and potential risk areas within branches.
- Submitted detailed audit findings and risk observations to senior management for corrective actions.
- Conducted surprise branch inspections and verification activities to strengthen operational controls.
- Assisted in implementing process improvements and compliance measures across branches.
- Key Achievements:
- Successfully handled audit and compliance activities for multiple branches and regions.
- Contributed to strengthening internal control mechanisms and operational transparency.
- Played a key role in identifying high-risk operational areas and improving compliance standards.
Credit Service Executive
Shriram Finance Company
02.2013 - 03.2016
- Key Responsibilities:
- Processed and verified customer KYC documents, loan applications, and credit-related documentation.
- Conducted field verification for customer identity, address, and business validation.
- Managed secured and vehicle loan processing after completion of field investigations.
- Coordinated with customers and branch teams for smooth loan processing and disbursement activities.
- Assisted in administrative operations, cash handling, and documentation management.
- Ensured adherence to company credit policies and procedural requirements.
- Key Achievements:
- Maintained accuracy in loan documentation and verification processes.
- Supported timely loan processing and improved operational efficiency.
Education
MBA - Finance & Marketing
Anna University
01-2013
BBA - undefined
Thiruvalluvar University
01-2011
Higher Secondary (12th) - undefined
St. Ann’s School
01-2008
SSLC (10th) - undefined
St. Ann’s School
01-2005
Skills
MS Office Suite (Word, Excel, PowerPoint)
Tally ERP
Credit Documentation & Loan Processing Systems
Financial Data Analysis
Report Preparation & MIS Handling
Strong analytical and risk assessment abilities
Excellent leadership and team management skills
Strong understanding of lending and financial principles
Effective communication and interpersonal skills
Ability to work under pressure and manage multiple responsibilities
Detail-oriented approach toward compliance and documentation
Positive attitude with strong problem-solving capability
Interests
Traveling, Playing Cricket, Networking & Social Interaction
DECLARATION
I hereby declare that the information provided above is true and correct to the best of my knowledge and belief. Place: Tindivanam Date: ____________ (R. Srinivasan)
CORE COMPETENCIES
- Credit Risk Assessment & Underwriting MSME Secured & Unsecured Lending and Financial Statement Analysis
- Loan Appraisal & Credit Evaluation Portfolio Monitoring & Delinquency Control Branch Operations Management
- Field Investigation & Verification Compliance, Audit & Documentation Review Secured Lending & Property Assessment Team Coordination & Leadership Stakeholder & Customer Relationship Management
- Problem Solving & Decision Making Early Bucket Collections Monitoring Regulatory & Internal Policy Compliance
PERSONAL DETAILS
- Date of Birth: 14 October 1990
- Marital Status: Married
- Nationality: Indian
- Languages Known: English, Tamil
Timeline
Senior Credit Manager
Belstar Microfinance Ltd
11.2021 - Current
Audit Officer – SHG JLG MSME & LAP Model
Belstar Microfinance Ltd
08.2016 - 11.2021
Credit Service Executive
Shriram Finance Company
02.2013 - 03.2016
SSLC (10th) - undefined
St. Ann’s School
Higher Secondary (12th) - undefined
St. Ann’s School
BBA - undefined
Thiruvalluvar University
MBA - Finance & Marketing
Anna University