SARAN KUMAR K
Pudhucherry
Summary
I bring over 13 years of experience in credit underwriting across a diverse range of financial products, including unsecured business loans, SME loans, home loans , personal loans, and professional loans. I possess extensive expertise in risk assessment, loan structuring, and ensuring compliance with regulatory requirements.
Throughout my career, I have demonstrated a strong ability to manage multiple high-priority assignments simultaneously while meeting deadlines. I am a skilled leader and collaborator, adept at building and maintaining relationships with clients and stakeholders. My strengths include negotiation, analytical problem-solving, and effective communication with professionals at all organizational levels.
Overview
13
13
years of professional experience
Work History
Deputy Area Credit Manager
Bajaj Finance Ltd
03.2016 - Current
- Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets.
- Ensure customer engagement has a quick turnaround time within the guardrails of risk and compliance. Delivering a best-in-class customer experience is vital.
- 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.
- Management of the assigned portfolio through improved disbursement with a key focus on quality.
- Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams.
- Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.
- 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
- Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs
- Adhere to high ethical standards, and comply with all regulations, Audit corps
- Through a fast-track exam, I was promoted from executive to assistant manager within a Two years
- Keeping the performance score at 95%
Credit Executive
Indusind Marketing Finance Ltd
09.2011 - 03.2013
- Check credit policy & underwriting
- Maintain branch NPA
- Team management & Vendor management
Education
Bachelor of Science - computer science
TKG Arts &Science College,Thiruvalluvar University
Vriddhachalam08-2011
MBA - Finance
St Mary’s College, Bharathidasan University
Vriddhachalam11-2014
Skills
- Credit risk assessment
- Credit risk management
- Risk assessments
- Credit reports
- Credit policy development
- Relationship management
Accomplishments
- Bajaj finance Ltd , Master certified Credit manager.
- Won the DEFENDER award for events involving operational risk.
- Received the HERO award for effectively managing a portfolio.
Timeline
Deputy Area Credit Manager
Bajaj Finance Ltd
03.2016 - Current
Branch Manager
Muthoot Finance Ltd
03.2013 - 03.2016
Credit Executive
Indusind Marketing Finance Ltd
09.2011 - 03.2013
Bachelor of Science - computer science
TKG Arts &Science College,Thiruvalluvar University
MBA - Finance
St Mary’s College, Bharathidasan University
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