Sridhar B
No 6/4 Venkatesan Lane Near Koli Market Broadway chennai
Summary
Dynamic Credit Manager with proven expertise in credit assessment and risk evaluation at Kisetsu Saison finance india Pvt Ltd. Skilled in financial analysis and MIS reporting. Successfully successfully trained teams and improved approval ratios. Adept at building relationships and driving results. Excel excel in case appraisal and underwriting, ensuring optimal decision-making.
Overview
3
3
years of post-secondary education
11
11
years of professional experience
Work History
Credit Manager
Kisetsu Saison finance india pvt Ltd
Chennai
01.2024 - Current
- Initially handled Chennai, Andhra Pradesh, and Telangana regions for one year, managing credit underwriting across multiple locations.
- Subsequently took complete responsibility for Chennai region credit management activities.
- Managed end-to-end loan processing from case login to preparation of Credit Assessment Memorandum (CAM) and eligibility verification.
- Conducted Tele-PD (Personal Discussion), assessed customer profiles, and initiated valuation processes while scheduling physical PD appointments.
- Held Personal Discussion (PD) authority up to ₹1 Crore and evaluated cases based on documentation, profile assessment, and policy guidelines.
- Handled high-value cases exceeding ₹3 Crores in coordination with senior management and supervisors.
- Coordinated with Legal, Technical, FI (Field Investigation), and RCU teams for timely completion of process requirements.
- Conducted property visits and initiated technical and legal verification processes for properties.
- Reviewed valuation reports and forwarded cases to approval authorities through Jarvis workflow systems.
- Managed legal and technical vetting activities for loan cases up to ₹50 Lakhs.
- Undertook additional responsibilities including disbursement processing, MODT registration, and cancellation procedures.
- Maintained and updated MIS reports regularly and shared daily performance updates with supervisors.
- Conducted monthly analysis of approvals and rejection trends and published final MIS, PDD, OTC, and related reports.
- Trained newly joined Sales Managers and Credit Managers on process flow and policy guidelines.
- Visited regular bounce cases to identify issues and support timely resolution.
- Followed up on collection activities for current accounts and handled outstanding balances up to 12 months
Credit Manager
HDB Financial Services Ltd
Chennai
04.2018 - 01.2024
- Verified customer documents as per the checklist and completed case login in Finnone.
- Prepared Credit Appraisal Memorandum (CAM) after case login and conducted individual PD (Personal Discussion) for loan cases up to ₹50 Lakhs. For cases above ₹50 Lakhs, prepared CAM and conducted joint PD
- Appraised loan cases after completion of PD and recommended or rejected applications based on credit assessment and policy guidelines.
- Conducted property visits to verify property usage and assess eligibility criteria.
- Coordinated with technical and legal vendors for timely follow-up and obtained final reports.
- Maintained and updated daily MIS reports and ensured data accuracy.
- Performed monthly analysis of approval and rejection ratios, shared insights with sales teams, and provided policy-related training.
- Followed up on legal and technical vendor bills to ensure timely processing and closure.
- Managed collection follow-ups for delinquent accounts in the 1–30 DPD bucket and coordinated for timely resolution.
Credit Relationship Manager
Axis Securities Limited subsidiary company of axis Bank ltd
Chennai
08.2016 - 08.2018
- Handled Housing Loan (HL) and Mortgage Loan (LAP) cases for both salaried and self-employed customers.
- Verified customer cases as per checklist requirements and internal policy guidelines during the login stage.
- Logged cases in FinOne and created leads after successful verification and validation processes.
- Reviewed and validated CIBIL reports, income documents, bank statements, and customer profiles to assess eligibility.
- Processed loan applications and forwarded cases to the Credit Manager queue for approval or rejection decisions.
- Coordinated with technical and legal vendors, along with sales teams, to resolve discrepancies and obtain final reports.
- Maintained regular follow-up with stakeholders to ensure timely processing and closure of cases.
- Updated MIS reports on a daily basis and shared status reports with supervisors and management.
- Ensured adherence to internal compliance standards and maintained accuracy throughout the complete case processing cycle.
Credit Process Associate with Credit Card departme
I process india pvt ltd subsidiary of Icici Bank
Chennai
02.2015 - 08.2016
- Verified and logged loan cases as per checklist requirements and policy guidelines.
- Validated CIBIL reports, income documents, and assessed customer eligibility criteria.
- Conducted tele-verification based on KYC and supporting documents, and recommended cases for approval to the concerned authority based on eligibility assessment.
- Initiated and coordinated FI (Field Investigation) and RCU (Risk Containment Unit) processes in parallel and obtained required reports.
- Maintained MIS reports and shared insights with sales and credit teams to support decision-making.
- Followed up on vendor bills to ensure timely processing and payment completion.
Education
Bachelor of Commerce - Commerce
SCP Jain College
Chennai , India 06.2011 - 05.2014
SKPD Boys Higher Secondary School 11th And 12th
Chennai , India SKPD Boys Higher Secondary School till 10th
Chennai, IndiaSkills
- Credit assessment
- Underwriting expertise
- Financial analysis
- Cash flow analysis
- Compliance management
- MIS reporting
- Customer relationship management
- Relationship Built with supervisors
Languages
Telugu
First Language
English
Proficient (C2)
C2
Tamil
Proficient (C2)
C2
Personal profile
- Name : Sridhar B
- Date of Birth. : 10.05.1991
- Father Name : Subbarayudu B
- Sex : Male
- Marrital Status : Married
- Place: Chennai
- Date:
Timeline
Credit Manager
Kisetsu Saison finance india pvt Ltd
01.2024 - Current
Credit Manager
HDB Financial Services Ltd
04.2018 - 01.2024
Credit Relationship Manager
Axis Securities Limited subsidiary company of axis Bank ltd
08.2016 - 08.2018
Credit Process Associate with Credit Card departme
I process india pvt ltd subsidiary of Icici Bank
02.2015 - 08.2016
Bachelor of Commerce - Commerce
SCP Jain College
06.2011 - 05.2014
SKPD Boys Higher Secondary School 11th And 12th
SKPD Boys Higher Secondary School till 10th