S. Parthiban

• Underwrite files to ensure portfolio quality, adhering to policy guidelines and defined turnaround times.
• Collaborated with Relationship Managers and Credit Policy Officers to identify credit opportunities and assess risks.
• Managed competing priorities effectively to maintain established service levels with sound judgment.
• Analyzed delinquent accounts to pinpoint high-risk profiles and recommend remedial actions.
• Monitored non-starters and cheque bounce trends to mitigate risk proactively.
• Ensured compliance with audit requirements and regulatory standards for assigned location.
• Fostered coordination with Sales and Collections teams to enhance operational synergy.
• Oversaw initiation of native CPV/FCU processes for suspected delinquencies and facilitated agency empanelment.

Credit Appraisal: Expertly managed credit appraisals for unsecured loans ranging from ₹50,000 to ₹2,000,000, ensuring thorough analysis and adherence to lending standards.

Hub Development: Played a key role in establishing the centralized credit hub, enhancing its capacity to process unsecured loans from 21 locations across Tamil Nadu and Kerala. Streamlined operations to improve efficiency and scalability.

Vendor and CPA Management: Oversaw and trained verification vendors and CPAs across various locations, ensuring compliance and accuracy in verification processes.

Fraud Prevention: Identified and mitigated fraudulent activities during the credit appraisal process. Implemented effective measures to safeguard against fraud, maintaining the integrity of our operations.

CPV Seeding and Ghost Shopping: Executed CPV seeding and ghost shopping to evaluate and improve vendor performance and service quality.

Portfolio Analysis: Conducted 1-12 month portfolio analysis to identify policy gaps, providing actionable feedback to enhance portfolio quality. Regularly highlighted and addressed gaps to ensure continuous improvement.

Post-Disbursal Checks: Performed cross-check visits post-disbursal to verify vendor report accuracy and maintain high-quality standards.

Stakeholder Coordination: Bridged gaps between Business, Credit, RCU, and Operations teams to ensure smooth processes and effective collaboration.

Collection Support: Engaged in collection support activities through calls and personal visits to understand non-repayment issues. Analyzed deviations and performance to develop strategies for improving collections.

Managed multiple product lines including Personal Loan, Two wheeler loan and auto loan
Oversaw 18 Credit Processing Associates to facilitate smooth application flow to underwriting.
Led credit risk management efforts to maintain portfolio quality and performance.
Conducted thorough client interactions to gather deal requirements and financial statements.
Executed end-to-end processes, preparing analysis tools for risk assessments and fast credit approvals.
Monitored risk triggers and credit conditions, providing appropriate reporting.
Ensured compliance with central team policies on all processed applications.
Delivered training to sales and CPA teams on policy changes to uphold product quality.

• Loan Prepayments:
  Processed customer-initiated prepayments in compliance with internal policies and RBI guidelines.
  Coordinated with central loan servicing teams to update repayment schedules and interest recalculations.
• Closure Requests:
  Handled end-to-end closure requests for personal and Housing loan across South India.
  Verified loan accounts, confirmed settlement amounts, and facilitated lien removal processes.
  Ensured timely issuance of closure letters and No Due Certificates (NOCs).
• Demand Draft Issuance (Excess Refund):
  Issued Demand Drafts (DDs) for excess funds received from customers during closures or prepayments.
  Maintained reconciliation records for all refund cases to ensure audit compliance.
• Customer Coordination:
  Interacted with branch staff and customers for documentation, TAT follow-ups, and resolution of queries.
  Ensured clear communication to avoid delays in closures or refunds.
• MIS & Reporting:
  Maintained daily and weekly trackers for closures, DDs issued, and pending cases.
  Supported internal audit reviews with complete documentation and system logs.

Account Opening – Current & Savings Accounts (CASA):

• Processed documentation and back-end entry for opening of individual and proprietor accounts.
• Conducted KYC checks and ensured compliance with RBI and internal audit norms.
• Coordinated with sales teams and branch staff to resolve discrepancies in forms and documentation.
• Ensured timely activation of accounts and dispatch of welcome kits.

MIS Coordination – Loan Against Property (LAP) Team:

• Maintained and updated daily, weekly, and monthly MIS reports for LAP login, sanction, disbursal, and pending stages.
• Tracked TAT adherence for credit approvals and disbursals across branches.
• Generated performance dashboards and exception reports for senior management reviews.
• Liaised with credit, legal, and technical teams for data consolidation and follow-ups.

Additional Back-End Support:

• Handled internal audit queries by providing system entries and document verification.
• Maintained records of discrepancies and ensured timely resolution.
• Provided support during campaigns, month-end closures, and portfolio reviews.

Account Opening – Current & Savings Accounts (CASA):

• Processed documentation and back-end entry for opening of individual and proprietor accounts.
• Conducted KYC checks and ensured compliance with RBI and internal audit norms.
• Coordinated with sales teams and branch staff to resolve discrepancies in forms and documentation.
• Ensured timely activation of accounts and dispatch of welcome kits.

MIS Coordination – Loan Against Property (LAP) Team:

• Maintained and updated daily, weekly, and monthly MIS reports for LAP login, sanction, disbursal, and pending stages.
• Tracked TAT adherence for credit approvals and disbursals across branches.
• Generated performance dashboards and exception reports for senior management reviews.
• Liaised with credit, legal, and technical teams for data consolidation and follow-ups.

Additional Back-End Support:

• Handled internal audit queries by providing system entries and document verification.
• Maintained records of discrepancies and ensured timely resolution.
• Provided support during campaigns, month-end closures, and portfolio reviews.