Srikanth S

Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 13 years of financial industry expertise.

• Tata Motor Finance Solutions Ltd, Handling Used vehicle Portfolio for Karnataka, AP & Telangana region, Handling various products like Secured working capital loans, Fuel loans , Refinance, Repurchase, Balance Transfer as well as Top up loans on Commercial vehicles and Passenger Cars, Credit approval based on consistent application of a credit policy, financial analysis, Periodic credit reviews of existing customers and assessment of credit worthiness of potential customers, Portfolio management by analyzing delinquency, taking measures to control delinquency by studying vehicle market, competitor actions, Socio economic & political factors, Vendor management – Handling FI agencies & valuation agencies.
• HDFC BANK PVT LTD, Managed the Karnataka portfolio for Transporter & non transporter Loans, Determine the degree of risk involved in extending credit or lending Money, Credit Approval based on consistent application of a credit policy, Periodic credit reviews of existing customers and assessment of credit worthiness of potential delinquent customers, with the goal of optimizing the mix of company sales and bad debt losses, Guiding Credit Coordinators & Training them on credit policies, Conduct Team huddles for policy updates & knowledge transfers, Manage quality of customer portfolio & maintain high Service level standards, Provide feedbacks to Business Channels on monthly and quarterly basis .
• ANZ (Australia New Zealand Bank India), Unsecured lending assessment – Approval of Personal loans, cards & OD, Undertake detailed review and assessment of loan proposal made by branches, Highlight risks and mitigating measures for each of the loan proposals as appropriate, Responsible for timely sanction and disbursement of loans & Approval of cards, Working closely & coordinating with Branch Manager, Relationship Officers operations team for timely decision making, Verification of Credit reports & previous Lending histories, Holding Credit Approval Discretion (CAD) up to NZ $40000, Organizing team huddle & cascading minutes of meeting to the team
• Tata Consultancy services, Creation of Counterparties in the Lloyds banking group applications once the KYC is completed and mapping them for the flow of data from source system . Maintaining the traded limits and non-traded limits provided by Lloyd's banking to its Clients, Annual review / Interim review of facilities provided to the clients are managed in source system based on the client's request, Updating Credit rating and facility rating to counter parties based on fact and IRDC, Reconciling the Ratings, Volumes and facilities type extracted from two applications.
• OCWEN Financial Solutions Pvt Ltd, Loss Claiming from trusts on the liquidated loans (Trust includes clients like JPM, Wells Fargo, BONY, CITI etc.) Foreclosed Loans or service released loans advanced amount recovery, To create loss package based on the trust requirement and to report to them. Loss package includes legal documents, foreclosure and insurance document of the listed property, Consolidation of all losses and trailing on the liquidated loans and report to trust on monthly intervals and a loss trend report, Preparation of the repurchase quotes (A quotation on the loan which is going on out of Ocwen's servicing) and training freshers on the same.

• Date of Birth: 05/02/89
• Nationality: Indian
• Marital Status: Married

Play Cricket during Weekend and go for Bike ride with my school friends.