Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic
SHANMUGAPANDI M

SHANMUGAPANDI M

Madurai

Summary

I am Experienced in analyzing financial statements and credit reports, with a strong focus on assessing potential customers' creditworthiness. Successfully developed policies for managing customer credit limits, ensuring adherence to regulatory standards while optimizing risk management strategies. Demonstrated capability in identifying delinquent accounts and recommending actionable collection plans, which improved overall portfolio performance. Strong communication skills utilized in responding to customer inquiries, fostering positive relationships and trust.

Overview

10
10
years of professional experience

Work History

Branch Credit Manager

Veritas Finance Limited
Madurai
12.2023 - Current
  • Analyzed financial statements, loan applications and credit reports for potential customers.
  • Coordinated with other departments to ensure proper due diligence was completed prior to granting credit approval.
  • Reviewed customer accounts to identify delinquencies and recommend collection action plans.
  • Developed and implemented credit policies and procedures to ensure compliance with regulatory requirements.

Field Credit Officer

Aye Finance Private Limited
Madurai
06.2022 - 12.2023
  • Reviewed credit applications and financial statements to determine customer creditworthiness.
  • Developed policies and procedures for approving and managing customer credit limits.
  • Responded promptly and professionally to inquiries from customers regarding their accounts.
  • Identified areas where improvements could be made in the existing process for granting credits.

Billing Clerk

Virat Impex
Madurai, TamilNadu
01.2020 - 06.2022
  • Executed billing tasks and recorded information in company databases.
  • Managed invoicing and payment processing operations.
  • Monitored outstanding invoices and performed collections duties.
  • Handled account payments and provided information regarding outstanding balances.

Loan Advisor

Aye Finance
Madurai, Tamilnadu
07.2018 - 12.2019
  • Assessed loan portfolios for compliance with underwriting policies.
  • Monitored pipelines to track and log status of loans.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Proactively identified solutions for customers experiencing credit issues.

Sales Officer

Capital First
Madurai, Tamilnadu
01.2018 - 06.2018
  • Explained different types of loans pertaining to client situations.
  • Fielded customer complaints and provided solutions.
  • Checked loan documents for accuracy prior to closing.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Processed loan applications and monitored progress from start to finish.

Junior Assistant

Shri Gurubramma Hr Sec School
Karur
06.2015 - 12.2017
  • Prepared reports, presentations, documents, and spreadsheets using Microsoft Office Suite.
  • Processed incoming mail on a daily basis ensuring prompt delivery of materials to appropriate personnel.
  • Provided customer service support to internal and external customers over the phone and in person.
  • Conducted research as requested by senior staff members.

Education

B.Com (CA) -

Annai Fathima Arts And Science College
Thirumangalam
04-2015

12th -

PKN Higher Secondary School
Thirumangalam
04-2012

10th -

Jothi Dharman Asisi High School
Sathangudi, Thirumangalam, Madurai
04-2010

Skills

  • Financial analysis
  • Credit assessment
  • Policy development
  • Customer service
  • Communication skills
  • Problem solving
  • Time management
  • Portfolio management
  • Team management

Languages

Tamil
First Language
English
Intermediate (B1)
B1

Timeline

Branch Credit Manager

Veritas Finance Limited
12.2023 - Current

Field Credit Officer

Aye Finance Private Limited
06.2022 - 12.2023

Billing Clerk

Virat Impex
01.2020 - 06.2022

Loan Advisor

Aye Finance
07.2018 - 12.2019

Sales Officer

Capital First
01.2018 - 06.2018

Junior Assistant

Shri Gurubramma Hr Sec School
06.2015 - 12.2017

B.Com (CA) -

Annai Fathima Arts And Science College

12th -

PKN Higher Secondary School

10th -

Jothi Dharman Asisi High School

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SHANMUGAPANDI M