Shidhodhan Devake

• Strategic and results-oriented Deputy Manager with over 12 years of comprehensive experience at Shriram Finance Ltd. Demonstrates a proven track record in overseeing multi-crore portfolios, specializing in Credit Risk Assessment, end-to-end loan lifecycle management, and diversified insurance operations. Expert in implementing complex financial products and maintaining high-level compliance in disbursement and recovery functions.

Professional Summary / Key Responsibilities

• Credit Risk & Underwriting: Conducted rigorous credit risk assessments and document verification for commercial and new vehicle loans, ensuring high-quality loan disbursements.
• Portfolio Management: Managed the end-to-end lifecycle of Business Loan portfolios, including initial processing, ongoing monitoring, and proactive recovery follow-ups to minimize NPAs.
• Insurance Operations: Oversaw a diverse insurance portfolio, managing the issuance and renewal of General (Vehicle), Life, and Health insurance, while streamlining accident claim processing.
• Retail Banking Products: Promoted and managed investment products, including Fixed Deposits (FD) and Recurring Deposits (RD), to drive branch/company growth.
• Specialized Working Capital Products: Implemented and processed niche financial products tailored for the transport and logistics sector, including:Fleet Support: Tyre, Engine, and Fuel Cards (HPCL/BPCL).
  Logistics Finance: Fastag Management and Challan Discounting.
  Asset-Backed Loans: Gold Loans and Personal Loans.
  
• Compliance & Documentation: Handled the full loan closure process, including the issuance of No Objection Certificates (NOC) and meticulous record-keeping.
• Reporting & Reconciliation: Maintained accurate Disbursement MIS and Bank Reconciliation Statements (BRS) to ensure financial transparency and adherence to company policies.
• Relationship Management: Acted as a primary point of contact for customers, resolving queries and fostering long-term professional relationships.