Subash S
Manager - CREDIT
Chennai,Tamil Nadu
Summary
A highly detailed 11+ years of extensive leadership experience in Commercial Banking, Retail Banking & Customer Service Industry. Committed individual well-versed in Project Management, Training and Development, and developing Innovative Strategies. Excellent oral and written communication skills paired with excellent time management and leadership abilities also offering experience in areas of credit appraisal & risk analysis. good interpersonal, management/people handling and convincing skills, who always focus on the business development through idea and revenue generation simultaneously concentrating on the growth and well-being of the team. Understanding customer requirements coupled with adequate background in establishing risk mitigations and internal control policies for effective credit selection, risk assessment and portfolio quality management. Financial/Non Financial data analysis, credit & risk, documentation, Can undertake difficult mandates & meet tight deadlines. Knowledge of wide range of products and services, Go-to person for my leaders for effective collaboration on tasks. Proven track record in effectively managing credit risk and minimizing losses through the implementation of robust risk management strategies.
Overview
13
13
years of professional experience
14
14
Certifications
Work History
Manager- CREDIT
HDFC Credila Financial Services Limited
12.2016 - Current
- Owning and managing the end-to-end risk associated with the operations, credit and maintaining high- level of compliance to audit policies as per the organizational standards
- Setting clear vision, direction, and culture to the team by managing individual and team performance, expectations and goals
- Serve as a leader and point of contact for escalated contact resolution of a supervisory or sensitive nature
- To perform periodic control audits and review with Chief controls team to analyse and identify opportunities for process improvements
- Lead team meetings focused on team performance, policy and site updates, and team-building activities
- Ensured work according to customer protection regulations of the organization
- Complete understanding of company guidelines and other relevant statutory aspects
- Proven track record in effectively managing credit risk and minimizing losses through the implementation of robust risk management strategies
- Strong knowledge of credit risk assessment methodologies, financial analysis, and credit scoring models
- Proficient in analysing financial statements, conducting risk assessments, and identifying potential credit risks
- Skilled in developing and implementing risk mitigation strategies to ensure compliance with regulatory requirements
- Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross- functional teams and build strong relationships with clients
- Subash S - page 2
- Develop and implement credit risk policies and procedures to ensure compliance with regulatory guidelines and mitigate potential risks
- Conduct comprehensive credit risk assessments for new and existing clients, analysing financial statements, credit reports, and industry trends
- Assess and evaluate credit applications, determining appropriate credit limits and terms based on risk analysis
- Monitor credit portfolios, identifying and addressing potential credit risks and implementing appropriate risk mitigation strategies
- Collaborate with cross-functional teams, including underwriting, collections, and legal departments, to ensure consistent credit risk management practices
- Prepare and present credit risk reports to senior management, providing insights and recommendations to enhance credit risk management processes
- Stay updated with industry trends, regulatory changes, and best practices in credit risk management
- Proficient in utilizing credit risk management software and tools to streamline processes and enhance decision-making
- As part of Management, provide inspired leadership functionalities to the organization
- Ensured work according to customer protection regulations of the organization
- Suggestion is given for Implementation of New policy as per current market scenarios
- Make important policy, planning, and strategy decisions
- Handling of Team and monitoring them and making them give the desired result for growth of the organization
- Use Technology as a tool for all service offerings and be willing to explore newer technological platforms
- Help promote a company culture that encourages top performance and high morale
- Ensure all legal and regulatory documents are filed and monitor compliance with laws and regulations
Senior Mortgage Underwriter
Intelenet Global Services Private Ltd
10.2012 - 12.2016
- Worked for Barclays Mortgages UK
- Worked on Housing loans, Re-mortgage, and New House Purchase Applications
- Ensure that all activities and duties are carried out in full compliance with regulatory requirements
- Enterprise-Wide Risk Management Framework, and internal Barclays Policies and Policy Standards
- Analysed both Employed and Self-employed applications
- Credit report analysis to evaluate customer credit standards
- Huge ability to evaluate cash flow and base Structure
- Have a relevant KYC / Financial Crime Screening / Transactional Analysis Experience
- Exceptional ability to maintain good relations with both internal and external customers
- Evaluated loan Structure and ensured credit standards according to company goals and policies
- Reviewed new and existing portfolios and identified risk areas
- Coordinated with technical experts on all large and complex loans
- Analysed loan transactions and identified credit risks in each of them and prepared necessary projections
- All Credit queries till loan disbursement was handled
- Understand the strategic direction set by senior management, clearly communicate team goals, deliverables, and keep the team updated on change
- Responsible for ensuring compliance with internal controls, policies, and procedures
- Trained all subordinates in the commercial relationship manager training program
- Ensure that alerts are monitored and actioned by the team on a case to case basis with a balance of credit risk and customer service
- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
- Drove performance of team members by creating incentives and positive work atmosphere and administering recognition and rewards programs
- Subash S - page 3
- Led employee relations through effective communication, coaching, training and development
- Evaluated employee performance on monthly basis and coached and trained team members, increasing quality of work and employee motivation
- Resolved customer service issues by finding immediate solutions, increasing customer confidence and decreasing escalations
- Identified and corrected deficient performance and behaviours to achieve maximum productivity
- Devised, deployed and monitored processes to boost long-term business success and increase efficiency
- Implemented policies and standard operating procedures for continuous improvement
- Strengthened performance metrics tracking and analysis to enhance tactical and strategic company plans
- Provided excellent customer care to maintain and improve customer relations, strengthen loyalty and increase product and service sales
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals
- Mentored and guided team members to foster proper completion of assigned duties
- Conducted training and mentored team members to promote productivity, accuracy and commitment to friendly service
- Implemented new working processes which delivered continued improvements
- Built strong relationships with customers through positive attitude and attentive response
- Optimized customer support by establishing collaborative service environment
- Mentored newly hired employees and developed training manual for user for reference purposes
- Responsible for a team of associates to deliver the daily requirements
- Be directly responsible for the overall performance of team members
Senior Technical Support Executive
Sutherland Global Service Limited
07.2010 - 04.2011
- Worked on Technical Support projects for Dell and Microsoft
- US Technical Support for Microsoft and Dell
- Microsoft Operating system, MS word, Antivirus, outlook configuration, and all Microsoft products related issues and the complete resolution was given
- In Dell Project deals with complete software support for laptops & desktops, Remote access taken to fix issues
- Deals with all the software products and their related issues, operating system, virus removal, and network issue& 100% resolution was given
- Successfully completed Dell New Hire P&P Training with the ACP Clearance Certification accredited to deal with all Dell-related products
- Participate and support in delivering results to customers with 100% quality
- Directly coordinated aspects of system support to include problem resolution
- On-call responsibilities and upgrades
Education
Bachelor of Technology - BTech - Information Technology
Hindustan College of Engineering/Anna University
01.2005 - 1 2009
12th Standard - undefined
Gill Adarsh Matriculation Higher Secondary School
01.2003 - 1 2005
Skills
Policies and procedures
undefinedCertification
Team Leadership
Timeline
Manager- CREDIT
HDFC Credila Financial Services Limited
12.2016 - Current
Senior Mortgage Underwriter
Intelenet Global Services Private Ltd
10.2012 - 12.2016
Senior Technical Support Executive
Sutherland Global Service Limited
07.2010 - 04.2011
Bachelor of Technology - BTech - Information Technology
Hindustan College of Engineering/Anna University
01.2005 - 1 2009
12th Standard - undefined
Gill Adarsh Matriculation Higher Secondary School
01.2003 - 1 2005
Team Leadership
Team Building
Team Coordination
Coaching
Team Organisation
Wireless
Technologies
Program Management
Technology Transfer
Technical Leadership
Troubleshooting
Credit Risk Analysis Portfolio Management Regulatory Compliance Financial Analysis Credit Scoring
Models Risk Mitigation Strategies Communication Skills Attention to Detail Analytical Thinking
Team Collaboration
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