Hi, I’m
Selvakumar B
Trichy
Summary
Seeking Senior Level Assignments and Expertise in Credit/Operation/Sales Management preferably in Banking/Finance Sectors and work to my full potential towards the growth of the organization. -Expertise in implementing innovative Operations/Credit programs/Motivating Sales plans to enhance productivity and escalate portfolio. Adapt in all functional areas of Operations/credit/Sales. -Providing the approval as per the company norms and policies on credit. -Dexterous in formulating & implementing strategies towards enhancing business volumes and growth as well as analyzing & assessing revenue potential in new business opportunities; excellent planner with proven abilities in accelerating growth and generating customer loyalty levels. -Exceptional communication & presentation skills with proven analytical & servicing abilities.
Overview
20
years of professional experience
Work History
Hinduja Housing Finance Ltd
Area Credit Manager
12.2024 - Current
Job overview
- Lead end-to-end credit appraisal and sanctioning process across 10 branches, ensuring adherence to credit policies, regulatory guidelines, and risk frameworks.
- Supervise and mentor branch credit managers, driving credit quality, turnaround time (TAT), and compliance with internal audit requirements.
- Evaluate loan proposals for HL, LAP, and Mortgage products, analyzing customer profile, income, repayment capacity, collateral, and marketability of property.
- Manage a large portfolio across multiple districts with a focus on delinquency control, portfolio health, and risk mitigation.
- Conduct regular portfolio reviews, branch visits, and audit checks, ensuring early identification of stress accounts and corrective action.
- Collaborate with sales, operations, and collections teams to ensure balanced business growth with controlled credit risk.
- Drive credit audits, policy updates, and process improvements to strengthen overall risk governance.
- Delegated authority: Approve HL & LAP loans up to ₹20 Lakhs and Personal Discussions (PD) up to ₹50 Lakhs across the entire district.
Equitas Small Finance Bank
Credit Risk Manager
12.2022 - 12.2024
Job overview
- Spearheaded credit risk audits across Pan India operations, with focus on housing loans, LAP, SME, and retail products.
- Conducted independent audits of products and branch operations, ensuring compliance with internal credit policy, RBI guidelines, and risk management frameworks.
- Designed and updated credit audit checklists, policy manuals, and risk assessment templates, improving control efficiency and reducing operational lapses.
- Partnered with internal and concurrent auditors, evaluating processes to identify bottlenecks, control gaps, and systemic risks; implemented corrective measures with business teams.
- Provided process improvement recommendations to senior management, resulting in stronger credit underwriting and enhanced portfolio quality.
- Oversaw regular reviews of audit findings, ensuring timely closure of issues and reduction in repeat observations across branches.
- Strengthened credit governance by driving portfolio monitoring, compliance reporting, and early warning mechanisms across multiple business verticals.
Tata Capital
Senior Credit Manager – Housing
03.2022 - 12.2022
Job overview
- Underwrote housing and mortgage loan proposals (Home Loans, Loan Against Property) for Trichy region and deputation branches, ensuring adherence to internal credit policies and regulatory guidelines.
- Evaluated complex loan applications by analyzing financial statements, repayment capacity, collateral, and credit bureau reports to approve/recommend cases.
- Conducted Personal Discussions (PDs), field visits, and tele-verifications to validate borrower credibility and minimize credit risk.
- Delivered timely credit decisions within agreed SLAs, supporting sales teams in achieving disbursement targets while safeguarding portfolio quality.
- Tracked sanction, disbursement, and delinquency trends through MIS; initiated early warning actions on high-risk profiles.
- Maintained portfolio health and controlled risk exposure while balancing business growth across multiple locations.
- Delegated authority: Approve HL & LAP loans up to ₹30 Lakhs and Personal Discussions (PD) up to ₹75 Lakhs across the entire district.
Jana Small Finance Bank
Senior Credit Manager
03.2019 - 03.2022
Job overview
- Handled Affordable Housing Loans, Micro Housing Loans, and Business Loan Enterprises (secured).
- Delegated credit underwriting authority to approve secured loans up to ₹20 Lakhs and unsecured loans up to ₹1.5 Lakhs.
- Underwrote Housing Loans (Self-Construction & Purchase) and Loan Against Property (LAP).
- Managed a hub covering 5 branches (Trichy BB, Trichy JC, Trichy KK Nagar, Thanjavur, Kumbakonam).
- Product: EM – Emerging Micro
- Assessed creditworthiness of self-employed customers for LAP & Business Loans.
- Handled Business Loan Enterprises (BLE) under both secured and unsecured categories.
- Delegated authority to approve unsecured loans up to ₹1.5 Lakhs.
- Led two hubs with 8 branches and a team of 8 members: Trichy HUB: Thanjavur, Trichy KK Nagar, Trichy Jana Center Madurai HUB: Madurai JC, Madurai Bank Branch, Madurai Bypass Center, Tirunelveli, Dindigul
- Achievements: Awarded Excellence Performer (Jan 2019). Rated Exceeds Expectations (FY 2019-20).
- Maintained strong portfolio quality and effective collection performance across regions.
HDB Financial Services Ltd
Branch Credit Manager
02.2016 - 02.2019
Job overview
- Assessed creditworthiness of self-employed and salaried customers for Loan Against Property, Personal Loans, Business Loans, Used Car Loans, and Gold Loans.
- Delegated credit authority to approve secured loans up to ₹10 Lakhs and unsecured loans up to ₹3 Lakhs.
- Ensured adherence to credit policy norms and regulatory guidelines while analyzing customer profiles.
- Conducted Personal Discussions (PDs) at customer residences and offices to evaluate repayment capacity and credibility.
- Performed detailed cash flow analysis, banking history review, repayment tracking, and financial assessment for risk mitigation.
- Verified original documents, conducted field visits, and coordinated with Fraud Control, Contract Verification, Legal, and Valuation teams.
- Recommended loan proposals for approval based on thorough underwriting and risk evaluation.
- Planned and executed strategies to source new and incremental business, driving portfolio growth.
- Managed front-end collection resolution, achieving 100% collection compliance monthly.
- Maintained excellent audit scores for credit and operations while overseeing vendor management teams.
VISTAAR Financial Services Ltd
Credit Manager
06.2014 - 11.2015
Job overview
- Recommended credit appraisals and provided detailed credit analysis for Home Loans, Mortgage Loans, and Business Loans.
- Delegated authority to approve secured loans up to ₹10 Lakhs and unsecured loans up to ₹2 Lakhs.
- Managed credit control and collection operations across a large customer base, ensuring timely recoveries and minimal delinquencies.
- Led and coached teams, implementing operational innovations and quality control measures to improve efficiency and compliance.
- Oversaw credit appraisal processes, including document scrutiny, sanctioning of credit limits, and monitoring portfolio performance.
- Applied deep domain knowledge in credit policy formulation and data-driven decision-making for portfolio management.
EQUITAS Finance Private Ltd
Field Risk Officer
01.2013 - 05.2014
Job overview
- Audited for Seven Branches on Credit Risk.
- Analyzed various financial data to estimate the degree of risk and level of associated risk involved in extending credit or establishing a business relationship with firms or individuals.
- Analyzed the quality and content of a client or prospect’s financial reports and establishing the appropriate document required to accurately evaluate the financial status of the client or customer.
- Responsible for the quantitative development and implementation of credit risk strategies across the customer lifecycle for all Retail Credit portfolios, and also integrate customer level risk scores into reactive decision points.
VAULT Financial Pvt Ltd
Credit Processing Officer
01.2007 - 12.2012
Job overview
- Responded to credit inquiries from our advisory team.
- Validated and approve payments from client accounts.
- Investigated suspicious transactions and escalate to management.
- Monitored credit quality reports and follow up for appropriate action.
- Maintained policy and procedures manuals.
- Supported the financial reporting team by contributing to the external audit process.
ICICI BANK (STPL)
Branch Processing Officer
12.2005 - 10.2007
Job overview
- Followed the various internal guidelines and procedures of the bank.
- Ensured customer satisfaction through regular engagement.
- Resolved customer queries/issues and facilitate customer service.
- Maintained periodic status reports, including daily activity report and calls/follow-ups made as per the defined process.
Education
Tamil Nadu UniversityTrichy, Tamil Nadu
Master of Business Administration from Marketing Management
06.2015
University Overview
GPA: 65%
Tamil Nadu UniversityTrichy, Tamil Nadu
Bachelor of Business Administration from Marketing Management
06.2010
University Overview
GPA: 68%
RC Higher Secondary SchoolTrichy, Tamil Nadu
Higher Secondary Education
03.2005
University Overview
GPA: 61%
RC Higher Secondary SchoolTrichy, Tamil Nadu
SSLC
03.2003
University Overview
GPA: 63%
Skills
- Credit Analysis
- Sales & Marketing
- Business Development
- Risk Control
- MS Office - Word, Excel and PPT
- Loan Disbursal
- Process Management
- Team Management
- Customer Relation Mgmt
- Inspection
- MIS/ Verifications / Reports
- Verification & Authentication
- Time Management
Disclaimer
I, Selvakumar B, hereby declare that the information contained herein is true and correct to the best of my knowledge and belief.
Personal
- Birthday: 21/05/1987
- Gender: Male
- Marital Status: Married
- Nationality: India
- Current Address: 7A, South Drowpathi Amman Kovil Street, Puthur, Trichy - 620017
- Permanent Address: 7A, South Drowpathi Amman Kovil Street, Puthur, Trichy - 620017
Timeline
Area Credit Manager
Hinduja Housing Finance Ltd
12.2024 - Current
Credit Risk Manager
Equitas Small Finance Bank
12.2022 - 12.2024
Senior Credit Manager – Housing
Tata Capital
03.2022 - 12.2022
Senior Credit Manager
Jana Small Finance Bank
03.2019 - 03.2022
Branch Credit Manager
HDB Financial Services Ltd
02.2016 - 02.2019
Credit Manager
VISTAAR Financial Services Ltd
06.2014 - 11.2015
Field Risk Officer
EQUITAS Finance Private Ltd
01.2013 - 05.2014
Credit Processing Officer
VAULT Financial Pvt Ltd
01.2007 - 12.2012
Branch Processing Officer
ICICI BANK (STPL)
12.2005 - 10.2007
Tamil Nadu University
Master of Business Administration from Marketing Management
Tamil Nadu University
Bachelor of Business Administration from Marketing Management
RC Higher Secondary School
Higher Secondary Education
RC Higher Secondary School
SSLC
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