Swaroop N Y
15th Cross Rd, Sector 6,HSR Layout, Bengaluru
Summary
Results-driven Credit Ops Executive with a proven track record at ev.fin By Greaves, excelling in application verification and credit analysis. Successfully disbursed loans totaling 35 Crores while enhancing profitability through strategic risk management. Adept at KYC processes and fostering collaboration with sales teams to resolve queries effectively.
Overview
3
3
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
Credit Ops Exicutive
ev.fin By Greaves
HSR layout, Bengaluru
2025.09 - Current
- Application check: Verify that the loan application form filled correctly.
- KYC Verification: Authenticate the borrower's identity(Aadhar/PAN Verification)and address proof.
- CIBIL/BUREAU Triggers: Checking of Customers Credit Report and often deal with NTC Customers and check for Negative history rather than just a High Score.
- Act as a query solver for Sales team through respective channels.
- Around 25 Crores loan disbursed by my end.
Branch Credit Manager
Muthoot Micro Fin ltd
Shivamogga
2023.09 - 2025.04
- Reduce delinquency rates with proactive monitoring and timely intervention strategies for at High risk Customers.
- Enhancing Branch profitablity by optimising the credit portfolio mix and mitigating potential risk within lending activities.
- Rivew and approve large credit application, exercising sound judgement in line with company policies and risk appetite.
- Wrote reports detailed on Branch activities.
- Around 10 Crore Loan disbursed by my end.
Education
Master of Commerce - Finance
Kuvempu University
Shivamogga 2021.01 - 2022.10
Bachelor of Commerce - Commerce
Kuvempu University, Shivamogga
Shivamogga 2016.06 - 2019.04
Skills
- Application verification
- Credit analysis
- KYC processes
- Loan underwriting
Languages
English
Intermediate (B1)
B1
Certification
- Diploma in Computer application
Timeline
Credit Ops Exicutive
ev.fin By Greaves
2025.09 - Current
Branch Credit Manager
Muthoot Micro Fin ltd
2023.09 - 2025.04
Master of Commerce - Finance
Kuvempu University
2021.01 - 2022.10
Bachelor of Commerce - Commerce
Kuvempu University, Shivamogga
2016.06 - 2019.04