Shashi Kumar S
Bangalore
Summary
Keen to find a challenging position in a progressive company where I could utilize my skills, knowledge and strengths as a Banking Professional for achieving goals of the organization and take my career to new heights.
Overview
10
10
years of professional experience
Work History
Zonal Audit Manager
Veritas Finance limited
Bengaluru
04.2024 - Current
Audit Manager
Shriram Housing Finance Ltd.
Bangalore
09.2021 - 05.2023
- Auditing the Credit decision post disbursed loan files.
- Auditing the physical legal and technical documents.
- Auditing the entire loan file (customer kyc, address proof, business proof, income documents, CIBL sanction letter, loan agreement).
- Rising the observation to credit and operation team for the resolution.
- Quarterly branch visit entire Karnataka and Kerala for sanity check.
- Presenting the observation to the team for learning critical observation.
- Surprise visit the collateral property and business premises for doubtful cases.
- Interaction with collection team for any defaulter cases.
- Surprise tele call with customers for any cash transaction from our employee and DSA or channel partners.
Credit Officer
NeoGrowth Credit Private Limited
Bangalore
04.2018 - 02.2020
- Analyzing the Customer Bank Statements.
- Inward / Cheque returns.
- Finding card sales terminal wise / Online sales.
- Financiers EMI Mapping.
- Vendors credits & Salary credit.
- Analyzing the Financials (ITR).
- P&L A/c & Balance sheet with Audit Reports.
- Turnover / Gross Profit & Net Profit.
- Capital / Secured Loans / Unsecured Loans.
- Assets & Liabilities etc.
- CIBIL Report Generating & Analyzing.
- Analyzing the Individual CIBIL & Commercial CIBIL.
- Finding the overdue & DPD’s.
- Analyzing the financiers Loan Amount, EMI, Tenors & DPD’s.
- Analyzing the Secured & Unsecured Loans.
- Analyzing the GST returns.
- Calculating GST Turnover Financials year wise.
- Tele Personal Interview with the Customer about the Business.
- Recommending the case for Approval to Credit Manager after analyzing the above criteria’s.
- Communicating with external vendors about the customer’s residence verification.
- Maintaining the Allocation TAT MIS report & CPV Verification TAT MIS.
- Checking the Physical file (Merchant related Doc’s).
- Disbursement of loan.
- Preparing CAN (Credit Appraisal Note).
- Uploading all Credit related documents in to the Software.
- Online checking.
- PAN Card (Individual, Partnership firm & Corporate).
- Food and liquor license for Food & Beverages Industry.
- VAT and GST.
- Google checks, Crime check & CIBIL Suite File cases.
- CA Check.
- MCA check.
- Final is file submitting to Finance team to disburse the loan.
Process Executive
ACN
Bangalore
09.2017 - 01.2018
Process Executive
Omega Healthcare Management
Bangalore
09.2015 - 08.2017
Credit Analyst
JODO PAY
Bangalore
02.2021
- Ticket size is from 50k to SL funding directly to school.
- Decision the case based on parents income and credit worthiness.
Assistant Credit Manager
Bajaj Housing Finance Limited
Bangalore
02.2020
- Supervise and manage the activity of the other credit analysts; ensure adequate workloads, support and career development opportunities.
- Work with Area Credit Manager and Credit Officers to assess credit opportunities, identify key risks and structure alternatives.
- To coordinate and work very closely with vendor for effective cost and compliance management.
- Assist the sales teams in developing the best suited propositions four our customers.
- Manage the credit process while communicating effectively with the Area Credit Manager, Credit Officer and Client.
- Maintain credit policy standards, perform general supervision of work flow and participate in team effort to achieve departmental/company goals.
- Managing own workload to ensure all work is completed in a timely manner, within our Service Level Agreement.
Education
B.com -
Seshadripuram First Grade College
01.2015
EBAC -
Jyothi Composite PU College
01.2012
SSLC -
Jyothi High School
01.2010
Skills
- Learning skills
- Enthusiasm towards work
- Team work skills
- Keep myself calm in pressure situation
- Written and verbal communication skills
- Organized & self-motivated
Disclaimer
I hereby declare that all statements made in this application are true, complete and correct to the best of my knowledge and belief. I understand that in the event of any information being found false or incorrect at any stage of my candidature for the said post is liable to be cancelled.
Languages
- Kannada
- Telugu
- Hindi
- English
- Kannada
- Telugu
- Hindi
Personal Information
- Father's Name: Srinivas
- Date of Birth: 07/17/94
- Religion: Hindu
Timeline
Zonal Audit Manager
Veritas Finance limited
04.2024 - Current
Audit Manager
Shriram Housing Finance Ltd.
09.2021 - 05.2023
Credit Analyst
JODO PAY
02.2021
Assistant Credit Manager
Bajaj Housing Finance Limited
02.2020
Credit Officer
NeoGrowth Credit Private Limited
04.2018 - 02.2020
Process Executive
ACN
09.2017 - 01.2018
Process Executive
Omega Healthcare Management
09.2015 - 08.2017
B.com -
Seshadripuram First Grade College
EBAC -
Jyothi Composite PU College
SSLC -
Jyothi High School