SATISH KUMAR N
Circle Credit Head - South & East
Bengaluru
Summary
Highly experienced Credit Risk Management professional with 15+ years of expertise in assessing creditworthiness, mitigating risk, and ensuring portfolio health. Proven ability to develop and implement credit policies, build robust risk models, and maintain regulatory compliance. Expertise in Retail lending products like Business Loans, LAP loans, Affordable LAP and Personal Loans
Overview
16
16
years of professional experience
1
1
Language
Work History
Circle Credit Head - South & East
NeoGrowth Credit Pvt Ltd
11.2022 - Current
- Heading South & East region for Unsecured Business loan and LAP and Micro LAP products
- Delegated Lending Authority – Having approval authority of Rs 60 lakhs for Business Loan and Rs 75 lakhs for LAP product.
- People Management – Leading team of 2 ZCMs, 4 RCMs and more than 20 ACMs come under my span of control.
- Key Roles and Responsibilities: Interacting with investors and lenders to company, Early Delinquency and Non-starter analysis and presenting it to MD, Interacting with all key stakeholders of the company, System deployment testing, Interacting with key vendors like Perfios, Novel patterns, Reinfinitiv (LSEG-World Check, Singapore) etc. handled NCM role in his/her absence.
Zonal Credit Manager - Vice President
Yes Bank Ltd
09.2019 - 11.2022
- Heading South 1 region (Karnataka, AP & TS) for Business loan and Personal products
- Delegated Lending Authority – Having approval authority of Rs 30 lakhs for personal loan and Rs 40 lakhs for business loan product
- People Management – Leading team of 2 RCMs and 4 Snr credit managers who directly report into me and more than 20 people come under my span of control.
- Portfolio management, Audit control, delinquency check, structuring of high value deals, supporting business etc.
Zonal Credit Head
Unimoni Financial Services Ltd
06.2018 - 09.2019
- Responsible for underwriting of Secured Business Loan in compliance with policies lay down
- Handled about 84 branches across Karnataka, Telangana and AP
- Delegated Lending Authority – Had approval authority of Rs
- 50 lakhs
- People Management – 3 regional heads, 2 cluster heads directly report into me.
Hub Credit Manager
RBL Bank Ltd
06.2015 - 05.2018
- Responsible for processing Business Loans (Secured and Unsecured loan) applications in compliance with the policies lay down
- Handled 12 branches in Karnataka, Telangana and AP
- People Management – Had 14 direct reportees, 1 at Manager level, 11 at AM level and others at credit officer level
- Was also responsible for collections.
Area Credit Manager
Magma Fincorp Ltd
06.2014 - 06.2015
- Responsible for processing SME Loans, CV & CE loans, and Auto Lease applications in compliance with the policies lay down by the business.
- Handled three business locations in Karnataka, i.e., Bangalore, Mysore and Hubli covering 125 Kms radius from these locations.
- Credit delegation – Had approval authority of Rs. 25 lakhs and PD authority of Rs. 75 lakhs for SME loans.
- Handled Auto Lease product for which limit ranges between Rs. 1 Crore to Rs. 50 Crores , SME product for which loan amount ranges between Rs. 3 lakhs to Rs. 2 Crores and CV & CE loans for which loan amount ranges between Rs. 15 lakhs to Rs. 2 Crores .
Branch Credit Manager
HDB Financial Services Ltd
09.2013 - 06.2014
- Responsible for processing Loan Against Property, Auto Loan, Personal Loan, Business Loan and Gold Loan applications in compliance with the policies lay down by the business
- People Management – Had 2 direct reportees, one at AM level and other at credit officer level.
Credit Manager
Standard Chartered Bank
07.2010 - 09.2013
- Underwriting and handling of Personal Loan applications for Mumbai, Bangalore, Chennai & Hyderabad
- Had approving authority of Rs 7.50 lakhs for Personal Loan.
Credit Manager
Barclays Finance
07.2008 - 04.2010
- Underwriting and handling of Personal Loan applications for Bangalore, Chennai, Hyderabad and Cochin.
Education
MBA - Finance
Canara Bank School of Management Studies, Bangalore University
Bangalore 01.2006 - 2008.04
Bachelor‘s Degree - Commerce
Dr. NSAM First Grade College, Bangalore University
Bangalore 01.2002 - 2005.04
12th STD - Commerce
Kendriya Vidyalaya IISc
Bangalore 04.2000 - 2002.04
Skills
Credit Risk Management
Accomplishments
- Promoted from DVP to VP role in NeoGrowth in a short span with the company.
- Awarded as "Raising Star of the Quarter - Q1 2021" at Yes Bank.
- Received appreciate letter from Head Credit - Retail Lending at Yes Bank.
Additional Information
- Marital Status - Married
- Date of Birth - 25-06-1984
Timeline
Circle Credit Head - South & East
NeoGrowth Credit Pvt Ltd
11.2022 - Current
Zonal Credit Manager - Vice President
Yes Bank Ltd
09.2019 - 11.2022
Zonal Credit Head
Unimoni Financial Services Ltd
06.2018 - 09.2019
Hub Credit Manager
RBL Bank Ltd
06.2015 - 05.2018
Area Credit Manager
Magma Fincorp Ltd
06.2014 - 06.2015
Branch Credit Manager
HDB Financial Services Ltd
09.2013 - 06.2014
Credit Manager
Standard Chartered Bank
07.2010 - 09.2013
Credit Manager
Barclays Finance
07.2008 - 04.2010
MBA - Finance
Canara Bank School of Management Studies, Bangalore University
01.2006 - 2008.04
Bachelor‘s Degree - Commerce
Dr. NSAM First Grade College, Bangalore University
01.2002 - 2005.04
12th STD - Commerce
Kendriya Vidyalaya IISc
04.2000 - 2002.04
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