SARAN KUMAR
Credit Analyst
VRIDDHACHALAM
Summary
10+ years of experience in credit underwriting for various products, including unsecured BL, ,SME, salaried HL, consumer products like salaried & self-employed PL's & professional loans. And have experience in operations, key management, and cash management. Successful at managing multiple assignments while meeting the right deadlines, finely honed leadership, relationship building, negotiation, communication, analytical, and problem solving skills, skilled in collaborating and communicating effectively with professionals at all levels of an organization.
Overview
13
13
years of professional experience
15
15
years of post-secondary education
3
3
Languages
Work History
DEPUTY AREA CREDIT MANAGER
BAJAJ FINANCE LTD
03.2016 - Current
- 360 degree Customer Credit Assessment: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets.
- Service Delivery: Ensure customer engagement has a quick turnaround time within the guardrails of risk and compliance. Delivering a best-in-class customer experience is vital.
- Process Compliance: Make sure the underwriting process falls under the established guardrails. Keep monitoring loan utilization, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the company framework.
- Portfolio Management: Management of the assigned portfolio through improved disbursement with a key focus on quality.
- Collaboration: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams.
- Ground Sensing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.
- Taking Ownership: Lead the post-disbursement of documents and covenant compliance. Manage the loan process from start to finish.
BRANCH MANAGER
MUTHOOT FINANCE LTD
03.2013 - 03.2016
- Direct all operational aspects including distribution operations, customer service, administration and sales
- Assess local market conditions and identify current and prospective sales opportunities
- Develop forecasts, financial objectives and business plans and Meet goals and metrics
- Bring out the best of branch's personnel by providing training, coaching, development and motivation
- Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities
- Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs
- Address customer and employee satisfaction issues promptly
- Adhere to high ethical standards, and comply with all regulations, Audit corps.
EXECUTIVE
INDUSIND MARKETING FINANCE LTD
09.2011 - 03.2013
- Filed verification for every cases and report to BM on given timelines.
- Maintain Branch bucket collection portfolio.
- Support to legal team.
Education
Some College (No Degree) - Finance
St Marys College, Bharathidasan University
India 04.2012 - 04.2024
Bachelor of Science -
Thiru Kolanjiyappar Arts And Science Collage
India 06.2008 - 06.2011
Skills
Risk assessment
Financial analysis
Ability to work under pressure
Excellent analytical skill
Excellent knowledge to process Salesforce and Finone applications
Excellent knowledge of banking analytics and Customer verifications
Accomplishments
- Got DEFENDER award in Operational Risk events.
- Got Hero Award for Maintained Good portfolio.
- Got Kudos Award for Good support to cross functional unit.
Job Offer Details
- Selected to Cluster credit manager in IDFC Bharat ltd.
- Selected to Cluster credit manager in Fullerton india.
- Selected to JO in Can Fin home ltd.
Personal Information
- Date of Birth: 06/18/91
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that above all details are true to the best of my knowledge
Timeline
DEPUTY AREA CREDIT MANAGER
BAJAJ FINANCE LTD
03.2016 - Current
BRANCH MANAGER
MUTHOOT FINANCE LTD
03.2013 - 03.2016
Some College (No Degree) - Finance
St Marys College, Bharathidasan University
04.2012 - 04.2024
EXECUTIVE
INDUSIND MARKETING FINANCE LTD
09.2011 - 03.2013
Bachelor of Science -
Thiru Kolanjiyappar Arts And Science Collage
06.2008 - 06.2011