Sree Darshan K
AVP - Regional Credit Manager
Bangalore
Summary
Results-driven AVP with forward-thinking approach centered on company success and competitive growth. Demonstrated record of success in building successful teams and managing profitable operations. Accomplished VP with progressive industry background and decisive leadership style. Offers strategic planning abilities, background in change management and forward-thinking mindset. Ready for challenges and focused on meeting future demands.
Trained & Certified in Personality Development & CCSP (Communication & Customer Service program) Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
15
15
years of professional experience
3
3
years of post-secondary education
2
2
Certifications
5
5
Languages
Work History
Reginal Credit Manager
Muthoot Finance
07.2023 - Current
- Improved regional credit performance by developing and implementing effective credit management strategies.
- Mentored junior team members in best practices for analyzing loan applications and making sound underwriting decisions.
- Reduced bad debt losses with rigorous monitoring of delinquent accounts and timely collection actions.
- Negotiated favorable payment terms with high-risk clients, mitigating potential financial exposure.
- Developed comprehensive reporting tools to provide senior management with valuable insights into regional credit performance trends.
- Handled Entire South & Mumbai locations with Approval authority of 10lks
- Managed a diverse loan portfolio while adhering to strict credit quality standards and regulatory guidelines.
- Implemented efficient workflow processes, enabling the timely resolution of outstanding invoices and disputes.
- Reviewed and analyzed loan procedures.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Streamlined processes for early identification of potential credit system and monitoring problems.
Vice President
Bridge Fintech Solutions Pvt Ltd
3 2019 - 06.2024
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Established performance goals for department and provided methods for reaching milestones.
- Increased company growth through collaboration with sales and marketing departments.
- Identified opportunities to improve business process flows and productivity.
- Clarified roles, responsibilities and expectations of staff.
- Evaluated product development strategies and prepared alternative approaches to goal achievement.
- Identified and resolved issues between employees, promoting better collaboration and mutual respect.
- Mitigated regulatory risks by overseeing adherence to insurance and safety regulations.
- Identified fraud cases, and saved minimum INR1 Crore to the company and it was recognised with special award by National Head
- Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
- Established and maintained strong relationships with customers, vendors and strategic partners.
- Contributed in 4 major projects which were related to reduce human effort and increase customer satisfaction by timely response
- Analysed industry trends and tracked competitor activities to inform decision making
- Collaborated with senior management to develop strategic initiatives and long term goals
Senior Area Credit Manager
Bajaj Finserv
05.2015 - 02.2019
- Developed strong communication and organizational skills through working on group projects.
- Proved successful working within tight deadlines and a fast-paced environment.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Resolved problems, improved operations and provided exceptional service.
- Worked flexible hours across night, weekend and holiday shifts.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
Credit Assessment Officer
Australia and New Zealand Banking Group Limited
09.2009 - 04.2015
- Learned and adapted quickly to new technology and software applications.
- Strengthened communication skills through regular interactions with others.
- Developed strong communication and organizational skills through working on group projects.
- Self-motivated, with a strong sense of personal responsibility.
- Delivered services to customer locations within specific timeframes.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
Education
Bachelor of Commerce - Accounting And Business Management
JSS High School
07.2009 - 06.2012
Skills
Staff Management
Certification
Communication & Customer Service Program
Timeline
Reginal Credit Manager
Muthoot Finance
07.2023 - Current
Personality Development
03-2016
Senior Area Credit Manager
Bajaj Finserv
05.2015 - 02.2019
Communication & Customer Service Program
06-2011
Credit Assessment Officer
Australia and New Zealand Banking Group Limited
09.2009 - 04.2015
Bachelor of Commerce - Accounting And Business Management
JSS High School
07.2009 - 06.2012
Vice President
Bridge Fintech Solutions Pvt Ltd
3 2019 - 06.2024
Similar Profiles
Shanu GeorgeShanu George
Internal Auditor at Muthoot FinanceInternal Auditor at Muthoot Finance
Kalpana YathirajuKalpana Yathiraju
Junior Relationship Executive at Muthoot FinanceJunior Relationship Executive at Muthoot Finance
CHINTHU MANUCHINTHU MANU
INTERNAL AUDITOR at Muthoot FinanceINTERNAL AUDITOR at Muthoot Finance