Sreekanth S
Credit Manager
New Delhi
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish company objectives in sales, customer growth and bottom line profitability.
Overview
6
6
years of professional experience
7
7
years of post-secondary education
3
3
Languages
Work History
Godrej Capital
Credit Manager - LAP
04.2024 - Current
- Conduct comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Improve credit risk management by implementing effective underwriting policies and procedures.
- Evaluate complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Ensuring timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
HDFC Bank
Credit Manager - LAP
2 2022 - 04.2024
- Within 6 months of joining, secured 2nd position in TAT management, PAN India level and was awarded performer of the month.
- Credit underwriting and recommendation of high value LAP cases in retail segment within defined TAT.
- Analyzing financials and doing its interpretation to establish credit worthiness of clients.
- Underwriting Large Ticket cases (mortgage exposure > 5 crore) using DSCR model.
- Ensuring maximum FTDR - First Time Right Decision & minimum PAR (Post Appraisal Review) errors.
- Constant liaison with sales team regarding SUD (sanction under disbursement) pipeline, movement to disbursements and ensuring achievement of monthly business targets.
- Doing personal discussion with customers to understand business models & their requirements.
- Management of legal, technical, FI, PD vendors & ensuring reports within defined TAT.
- Managing & training credit processing associates & management trainees regarding credit policy, TAT, system process & software.
Piramal Capital & Housing Finance Limited
Credit Manager
07.2021 - 02.2022
- Credit underwriting of Housing Loan and Loan against Property - Salaried and Self Employed.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Coordinating with technical & legal vendors regarding the valuation and feasibility of property.
- Responsible for complete process of disbursement of loan.
Hinduja Housing Finance Limited
Cluster Credit Manager
05.2018 - 05.2021
- Credit underwriting of secured loans - SENP and Salaried.
- Conduct qualitative and quantitative analysis to determine the credit worthiness of existing and prospective clients..
- Responsible for complete process of disbursement of loan and credit file forwarding & dispatch.
- Oversaw all reporting, documentation and recordkeeping requirements for department.
- Maintained an exceptionally low delinquent portfolio
- Monitored accounts for signs of fraud and non-payment issues.
- Collaborated with management to evaluate credit strategies and develop improvements.
Education
MBA - Finance And International Business - 6.94 CGPA
Amity Business School
Noida 07.2015 - 07.2017
Bachelor of Commerce - Commerce, Accounting And Taxation - 6.57 CGPA
JG College of Commerce
Ahmedabad 06.2011 - 06.2014
12th (CBSE) - Commerce - 76%
Marian Senior Secondary School
Kottayam 06.2010 - 05.2011
10th (CBSE) - General - 84%
Marian Senior Secondary School
Kottayam 06.2008 - 05.2009
Skills
Credit Appraisal & Risk Analysis
undefinedAdditional Information
Date of Birth: 8th April, 1993
Father's Name: Mr. R Sankara Kurup
Current Address: 72, Manu Apartments, Mayur Vihar Phase 1, Delhi - 110091
Permanent Address: Panchajanyam, Kanakkari.P.O, Kottayam, Kerala - 686632
PAN: EXXPS7343C
Marital Status: Married
Timeline
Godrej Capital
Credit Manager - LAP
04.2024 - Current
Piramal Capital & Housing Finance Limited
Credit Manager
07.2021 - 02.2022
Hinduja Housing Finance Limited
Cluster Credit Manager
05.2018 - 05.2021
MBA - Finance And International Business - 6.94 CGPA
Amity Business School
07.2015 - 07.2017
Bachelor of Commerce - Commerce, Accounting And Taxation - 6.57 CGPA
JG College of Commerce
06.2011 - 06.2014
12th (CBSE) - Commerce - 76%
Marian Senior Secondary School
06.2010 - 05.2011
10th (CBSE) - General - 84%
Marian Senior Secondary School
06.2008 - 05.2009
HDFC Bank
Credit Manager - LAP
2 2022 - 04.2024
Similar Profiles
Mr VenkateshMr Venkatesh
Bajaj Finance Limited at Credit ManagerBajaj Finance Limited at Credit Manager
Juno McKeeJuno McKee
Career break at -Career break at -
Pavitra Devi Bala SubramaniamPavitra Devi Bala Subramaniam
Private Tutor at -Private Tutor at -