SHANKARMUTHUPRAKASH G
Salem
Summary
Bank Credit Manager with extensive experience in credit regulations and loan management. Demonstrated success in maintaining lending integrity and ensuring compliance with policies. Expertise in risk assessment and financial analysis enhances decision-making and operational efficiency. Strong leadership and communication skills contribute to effective team management and client relationship building.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Branch Credit Manager
SVAKARMA FINANCE
Salem Attur
04.2025 - Current
- Monitored customer accounts to ensure compliance with loan agreement payment timelines.
- Consulted with senior management on proposed changes to underwriting standards and procedures.
- Interpreted complex financial data, including balance sheets and cash flow statements.
- Communicated consistently with borrowers throughout application processes to ensure clarity.
- Prepared periodic reports detailing portfolio performance and delinquency trends.
- Conducted due diligence on new applicants by verifying income and assets through public records.
- Analyzed customer payment histories to evaluate credit risk profiles effectively.
- Developed strategies for managing delinquent accounts, reducing overall portfolio risk.
Branch Credit Manager
HDB FINANCIAL SERVICES
Tiruppattur
01.2023 - 03.2025
- Managed customer schedules for business verification processes to enhance efficiency.
- Analyzed KYC documents, facilitating seamless login experiences.
- Initiated collaboration among financial, legal, and technical teams for improved communication.
- Maintained branch portfolio, ensuring operational efficiency and compliance.
- Assessed customer risk levels based on credit parameters to inform decision-making.
- Reviewed and approved secured and unsecured loans following established guidelines.
- Trained new staff on credit analysis techniques to strengthen team capabilities.
- Developed effective credit policies and training materials for lending processes.
Intern
ICICI Bank
04.2022 - 06.2022
- In the ICICI Bank I worked as an intern on the project of Micro-Marketing in the company and the fields I learned are Savings account, Current account, Fixed Deposit, Auto Loan, Home Loan, Personal Loan, Business Loan,M52 account, etc.
- I am doing a project in ICICI Bank in the field of finance, and I am chosen to work in the field of Human Resources.
- PROJECT TITLE: Micro-Marketing in Business Groups
Education
MBA - FINANCIAL & HR
Jansons School of Business
Coimbatore01.2023
Bachelor's Degree - Electrical and electronics engineering
Muthyammal Engineering College
Rasipuram01.2020
Skills
- Organizational skills
- Time management
- Report preparation
- Team collaboration
- Financial document handling
- Operational efficiency
- Credit analysis and policy development
- Loan underwriting
- Customer communication
- Portfolio management
- Problem solving
- Market analysis
- Cashflow analysis
- Credit reports
Certification
- Data visualization using MS Excel
- Foundation of personal finance
- HR Business partnership skills
- Basics of Mutual Funds
- Basics of Mutual
Hobbies and Interests
- Reading Book
- Playing games
Projects
- Micro-Marketing in Business Groups, Internship project at ICICI Bank focusing on various financial products.
- Block chain technologies in Fintec
Activities
- Participated in various management events conducted by different colleges
- Participated in trust related activities
Personal Information
- Total Experience: 2 years in finance sector
- Date of Birth: 07/06/97
Languages
Tamil
First Language
Tamil
Advanced (C1)
C1
English
Upper Intermediate (B2)
B2
Timeline
Branch Credit Manager
SVAKARMA FINANCE
04.2025 - Current
Branch Credit Manager
HDB FINANCIAL SERVICES
01.2023 - 03.2025
Intern
ICICI Bank
04.2022 - 06.2022
MBA - FINANCIAL & HR
Jansons School of Business
Bachelor's Degree - Electrical and electronics engineering
Muthyammal Engineering College