THENMOZHI S
GAJJALNAICKENPATTI SALEM
Summary
Dynamic Senior Credit & Operation Manager with a proven track record at Viruksham Service Finance Ltd, achieving a remarkable 98% collection rate. Expert in credit underwriting and branch operations, I excel in driving loan growth and ensuring compliance while fostering team collaboration. Adept at maintaining high-quality sourcing and enhancing customer finance experiences.
Overview
16
16
years of professional experience
Work History
SENIOR CREDIT & OPERATION MANAGER
VIRUKSHAM SERVICE FINANCE LTD
CHENNAI
05.2025 - Current
- Credit underwriting up to 10 Lacs mortgage loan.
- Response will for handling 10 branches maintain TAT.
- Monthly average business more than 30 lacs.
- Every files should be done after contact point verification (CPV) in Field.
- At end of Every month collection is 98%.
- Approval underwriting up to 1.5 Lac Two wheeler product.
- Responsible for Cluster All files Approval & Disbursed.
- Monthly Average Approvals 800 Nos.
- Ticket Size 75000/- Per day Approval productivity 26 files.
- Responsible for 15 Branches sales Approval and collection and quality of sourcing.
- Responsible for overall branch operation quality maintaining control and compliance of the branch and collection, Credit approval ratio.
- Ensure Individual Loan Growth at branch Month on Month.
- Responsible for Cluster 1 to 6 Month Emi collection Maintain 95% Contact point verification Loan recommendation and login to Disbursement.
Area Credit and Operation Manager
ORANGE RETAIL FINANCE PVT LTD
SALEM
05.2019 - 04.2025
- Handling 16 branch in charge & Branches of Physical Documents Quality control checker & Unregistered RC Follow.
- Check Daily basis approval and disbursement TAT in all assigned area.
- Responsible for increase in number of finance customers with dealership monthly basis and increase cross sell products.
- Monitoring the competition Activity in assigned dealers Outlet.
- Handled a team of Role employees and product Promoters to increase finance.
SENIOR BUSINESS DEVELOPMENT EXECUTIVE
DHFL SALES & SERVICE LTD
04.2018 - 12.2018
- Sales Com Credit Co-coordinator Sourcing New Customer to Increase Mortgage loan To achieve target monthly basis.
- Direct Marketing to increase sourcing & Cross sell product (Deposit & Insurance).
DEVISIONAL MANAGER
SHRIRAM CITY UNION FINANCE LTD
01.2010 - 12.2018
- Achieve Monthly Target motivate work along with Personal loan, Consumer loan, Gold loan, Trade loan, & Business Loan - Document Entry & Process Complete Officer.
- Field level Coordination with collection Team building with healthy portfolio.
- Sales & collection Operation and end activity reporting to Regional Manager.
Education
B,LIT-TAMIL -
UNIVERSITY THANJAVORE-DISTANCE
01.2018
SSLC -
Govt.Hr,Sec School
SALEM01.2002
HIGHER SECONDARY -
Govt.Hr,Sec.School
SALEM01.2001
Skills
- E-mail communication
- Creativity
- Operating system
- Credit underwriting up to 10 Lacs mortgage loan
- Handling 10 branches maintain TAT
- Monthly average business more than 30 lacs
- Contact point verification (CPV) in Field
- Collection rate of 98%
- Approval underwriting up to 15 Lac Two wheeler product
- Responsible for Cluster All files Approval & Disbursed
- Monthly Average Approvals 800 Nos
- Ticket Size 75000/- Per day
- Approval productivity 26 files
- Responsible for 15 Branches sales Approval and collection
- Quality of sourcing
- Overall branch operation quality
- Maintaining control and compliance of the branch
- Individual Loan Growth at branch Month on Month
- Cluster 1 to 6 Month EMI collection Maintain 95%
- Loan recommendation and login to Disbursement
Disclaimer
I hereby declare that the above given details were true to the best of my knowledge.
Cgpa
75%
Timeline
SENIOR CREDIT & OPERATION MANAGER
VIRUKSHAM SERVICE FINANCE LTD
05.2025 - Current
Area Credit and Operation Manager
ORANGE RETAIL FINANCE PVT LTD
05.2019 - 04.2025
SENIOR BUSINESS DEVELOPMENT EXECUTIVE
DHFL SALES & SERVICE LTD
04.2018 - 12.2018
DEVISIONAL MANAGER
SHRIRAM CITY UNION FINANCE LTD
01.2010 - 12.2018
B,LIT-TAMIL -
UNIVERSITY THANJAVORE-DISTANCE
SSLC -
Govt.Hr,Sec School
HIGHER SECONDARY -
Govt.Hr,Sec.School