Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Personal Information
Timeline
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Santosh J P

Bangalore

Summary

Dynamic Area Credit Manager with a proven track record at Aadhar Housing Finance Ltd, excelling in credit analysis and team development. Spearheaded a high-performing team, achieving significant portfolio growth while enhancing process efficiency. Expert in loan underwriting, fostering accountability and delivering results in a fast-paced environment.

Overview

22
22
years of professional experience

Work History

Area Credit Manager

Aadhar Housing Finance Ltd
Bangalore
09.2024 - 05.2025
  • Managed 14 branches in Bangalore with a team of 11 members, including 7 BCMs and 4 CPAs.
  • Oversaw affordable segment products, with maximum ticket sizes of 75 lakhs for HL and 35 lakhs for LAP.
  • Held approving authority for INR 20 lakhs in HL and INR 15 lakhs in LAP.
  • Allocated files daily to BCMs and conducted regular reviews of WIP files for prompt decision-making.
  • Led, trained, and supervised credit department staff, fostering a culture of accountability and high performance.

Senior Credit Manager - SME

M/S ORIX LEASING & FINANCIAL SERVICES INDIA PRIVATE LIMITED
Bangalore
07.2022 - 09.2024
  • Managed Loan Against Property (LAP) products in Bangalore with a focus on deals up to INR 75 lacs.
  • Performed Personal Discussions (PDs) and submitted credit recommendations to the National Credit Manager (NCM), with dual approval from the Managing Director in India and Director in Japan.
  • Successfully built a substantial portfolio in the region following the company's business revival.
  • Coordinated with the Operations (OPS) team for centralized loan disbursement processes in Delhi.
  • Conducted post-disbursement end-use monitoring after 90 days, providing detailed reports and documentation to the NCM.

Senior Credit Manager - SME

M/S JANA SMALL FINANCE BANK.
03.2022 - 07.2022
  • Handling High ticket SME proposals of upto INR 7.5cr

Senior Credit Manager

M/S DCB BANK LTD
02.2018 - 03.2022
  • Expertly managed a diverse portfolio, including Home Loans (HL) and Loan Against Property (LAP), with authority to approve limits up to INR 50 lakhs.
  • Executed on-site Personal Discussions (PD) for high-value cases exceeding INR 50 lakhs, ensuring thorough evaluation and system-based proposal submissions.
  • Demonstrated versatility by overseeing multiple financial products such as HL, LAP, and Small and Medium-sized Enterprise (SME) loans.
  • Conducted meticulous vendor assessments to maintain and enhance service quality.
  • Rigorously reviewed and processed sanctioned loan files, coordinating with Operations (OPS) to facilitate prompt disbursement.
  • Fostered collaborative relationships with OPS and Sales teams to streamline the disbursement process.
  • Successfully achieved audit compliance for all disbursed loan cases, upholding the highest standards of financial integrity.

Senior Credit Underwriter (Senior Executive)

M/S JANA LAKSHMI FINANCIAL SERVICES LIMITED
08.2015 - 01.2018
  • Expertly evaluated Micro and Small Enterprises (MSE) financials for creditworthiness.
  • Performed on-site personal discussions to accurately assess client cash flows.
  • Specialized in underwriting non-financial profiles using informal documentation, business models, operational history, banking data, and supplier/buyer references.
  • Crafted detailed proposal notes and escalated high-potential cases to senior management for sanctioning.
  • Proficiently managed case records in Salesforce (SFDC) and Loan Origination System (LOS) to facilitate system approvals.

Senior Officer (Credit & Risk)

M/S INDIA INFOLINE FINANCE LTD
Bengaluru
05.2008 - 09.2013
  • Authorized to sanction loans up to INR 30 lakhs for Home Loans and Loan Against Property.
  • Conducted personal discussions with clients to assess creditworthiness.
  • Crafted and submitted proposal notes for loans exceeding INR 30 lakhs, seeking approval from senior management.
  • Managed the verification of disbursal kits and legal documents, ensuring compliance before forwarding to central operations for disbursement.
  • Coordinated with central operations and audit teams to address and resolve any disbursement-related issues.
  • Oversaw vendor relationships, ensuring service quality and efficiency.

Executive

M/S IDBI BANK
Bengaluru
09.2006 - 05.2008
  • Expertly managed home loan file processing and effectively coordinated with sales teams to resolve any arising issues.
  • Streamlined the loan sanction process by efficiently advancing approved files.
  • Oversaw the maintenance of a comprehensive MIS for tracking loan application statuses.
  • Skillfully handled Post-Dated Cheques (PDCs) and Electronic Clearing Service (ECS) transactions for housing, personal, and car loans.
  • Ensured timely banking of EMI and Pre-EMI cheques, adhering to strict payment cycle schedules for all loan products.
  • Diligently updated records of bounced cheques and coordinated with the collections department for prompt action.
  • Coordinated the dispatch of PDCs and ECS Mandate Forms to Mumbai for seamless ECS execution.
  • Provided clear and concise responses to customer inquiries regarding PDCs, enhancing client satisfaction.

Executive

M/S AXIS BANK
Bengaluru
03.2006 - 09.2006
  • Managed financial transactions by maintaining and issuing pay orders to designated DST and DSA partners.
  • Coordinated legal services by arranging lawyers for registration processes.
  • Streamlined document logistics through efficient dispatching of files to Mumbai.
  • Ensured financial accuracy and accountability by tracking and following up on pending pay orders for DST and DSA registration.

Senior Executive

M/S ICICI HOME FINANCE
Bengaluru
11.2003 - 03.2006
  • Conducted meticulous examination of disbursal documents for accurate system entries using FinnOne software.
  • Managed Cheque Control Register, ensuring proper cancellation and reissuance of cheques, DDs, and pay orders, along with verification of credit receipts in collaboration with banking partners.
  • Oversaw the cheque printing process, guaranteeing security and efficiency.
  • Coordinated the dispatch of files to Central Operations, streamlining workflow.
  • Maintained and distributed Management Information System (MIS) reports, providing critical data insights to stakeholders.

Education

School Certificate -

M.S.RAMAIAH HIGH SCHOOL.

Bachelor of Commerce -

JRNRV DEEMED UNIVERSITY

Skills

  • Credit analysis and loan underwriting
  • Team development
  • Process improvement

Accomplishments

  • Member of winning team to accomplish Finn one rollout in ICICI Home Finance.
  • Awarded as 'The Rising Star' in ORIX Leasing & Financial Services India Ltd.

Languages

  • Kannada
  • Tamil
  • English

Personal Information

  • Date of Birth: 05/17/81
  • Nationality: Indian
  • Marital Status: Married

Timeline

Area Credit Manager

Aadhar Housing Finance Ltd
09.2024 - 05.2025

Senior Credit Manager - SME

M/S ORIX LEASING & FINANCIAL SERVICES INDIA PRIVATE LIMITED
07.2022 - 09.2024

Senior Credit Manager - SME

M/S JANA SMALL FINANCE BANK.
03.2022 - 07.2022

Senior Credit Manager

M/S DCB BANK LTD
02.2018 - 03.2022

Senior Credit Underwriter (Senior Executive)

M/S JANA LAKSHMI FINANCIAL SERVICES LIMITED
08.2015 - 01.2018

Senior Officer (Credit & Risk)

M/S INDIA INFOLINE FINANCE LTD
05.2008 - 09.2013

Executive

M/S IDBI BANK
09.2006 - 05.2008

Executive

M/S AXIS BANK
03.2006 - 09.2006

Senior Executive

M/S ICICI HOME FINANCE
11.2003 - 03.2006

School Certificate -

M.S.RAMAIAH HIGH SCHOOL.

Bachelor of Commerce -

JRNRV DEEMED UNIVERSITY

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