Suraj G N
Area Credit Manager
Bangalore ,Karnataka
Summary
Seeking a challenging career that demands my knowledge, skills, and hard work, rewarding my performance and providing opportunities to work as a reliable professional. I aspire to contribute to the advancement of the company by utilizing the learning experience I gain over time.
Experienced Mortgage Professional with a reputed home loan organization. Experience in various positions ranging from underwriter, branch operations and branch manager. Specialized in business development program, team building market operations and channel management. Thrive in demanding environments with aggressive revenue and operational objectives.
Overview
10
10
years of professional experience
Work History
Area Credit Manager
Axis Bank
Bangalore
02.2024 - Current
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
- Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance with all applicable laws and regulations.
- Improved credit approval rates by implementing a comprehensive risk assessment process.
- Mitigated potential losses by conducting thorough due diligence on high-risk customers.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Provided training and consulted with struggling teams to help meet monthly target goals.
Senior Branch Manager
HDFC BANK
Bangalore
05.2016 - Current
- Achieved 100 crores of business in the month of March 2022
- Proactively managed customer retention strategies to foster strong, lasting relationships
- Maintained a healthy loan book, ensuring the quality and performance of loans
- Led a dedicated team of 6 to 8 professionals
- Coordinated seamlessly between legal, technical, credit, and channels departments
- Diligently handled audit queries, ensuring prompt issue resolution.
Credit Manager
India Bulls Housing Finance LTD
Hyderabad
04.2014 - 05.2016
- Underwrote corporate mortgage proposals adhering to company policies and procedures
- Conducted personal discussions with customers to assess creditworthiness
- Prepared Credit Appraisal Memos (CAM) for specific retail loan proposals
- Managed pre-login checks, CAM underwriting for Business Loans, and disbursement processes
- Coordinated the process from sales to credit, including technical and legal aspects
- Handled disbursement process and communicated with operations team for issue resolution
- Maintained files data, OTCs, and prepared MIS reports for internal use.
Education
MBA in Finance -
M/s Ramaiah Institution of Management Studies
Bangalore, KarnatakaBBM in Finance -
M/s Seshadripuram Institution of Commence and Management
Bangalore, KarnatakaSkills
Channel Partners Management
Expertise in Credit Underwriting for Self-Employed and Salaried Individuals
Conducted Builder Visits to Assess Projects
Proficient in Analysing Credit Risk for High Value Loans and Appraisals
Fraud knowledge
Risk mitigation
Credit reports
Staff Management
Relationship building and management
Business Development
Additionalprograms
- Completed value added programs in Captial Market
- Certification of basic French Language
Disclaimer
All the information furnished above is true to the best of my knowledge and belief. If I get an opportunity in your concern, I promise that I would work to my best for the betterment of the Concern.
Timeline
Area Credit Manager
Axis Bank
02.2024 - Current
Senior Branch Manager
HDFC BANK
05.2016 - Current
Credit Manager
India Bulls Housing Finance LTD
04.2014 - 05.2016
MBA in Finance -
M/s Ramaiah Institution of Management Studies
BBM in Finance -
M/s Seshadripuram Institution of Commence and Management