VENKATEGOWDA N
Bangalore
Summary
Proven leader in credit management and operations, adept at underwriting and loan evaluation, with a track record of enhancing portfolio performance at IKF Home Finance Ltd. Excelled in team leadership, demonstrating exceptional analytical and decision-making skills. Expert in SAP (FICO) and portfolio monitoring, significantly mitigated risk, ensuring operational excellence.
Overview
1
1
year of professional experience
Work History
CCM - CREDIT
IKF Home Finance Ltd
12.2023 - Current
- Credit Under writing & Management Exposure
- Products handled are Mortgage loan (LAP), and HL (Renovation & Extension)
- Handling credit appraisals of loan proposals of individual's customers; Monitoring & review of loan proposals and Credit Appraisals
- Entrusted underwriting authority of 50 lacs
- Responsible for Credit Approving, Controls & Credit Processing for Mortgage loan and HL as per policies
- Support and Co-Partner with the Business team to manage end-to-end credit approval for the designed region
- Lead the team of Credit managers and Credit officers, Handling a team size of 20 Employees
- Recruitment drive conducting concert region and fulfil the manpower as per our budget
- Review the underwriting process and define the process as per available resources and branch requirements
- Appoint and manage external agents for verification process, Fraud investigation, Legal verification and technical evaluation
- Co-Ordinate with the recoveries team and generate business insights to mitigate risk and closely monitoring on Non-starter/First EMI Bounces trends
- Continuously improving underwriting capacity based on portfolio's performance
- Monitoring the loan portfolio; Data Analysis; Examine the performance / risks of various products & portfolio at Area / Branch
- Regular portfolio reviews
- Monitoring compliance of policies /procedures and limits, coach loan officers and provides training support in use and implementation of policies and procedures
- Compliance Checks - Audit compliance on all aspects stipulated by Head office and regulatory compliance
- Performing the functions of assessing the creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts
- Managing the implementation of the risk management process; monitoring the process to ensure that it operates effectively in the best interests of the company's stakeholders
- Evaluating the strengths, weaknesses, opportunities and threats in business; specifying the business objectives and identifying the internal and external factors involved in achieving these objectives
- Resource planning and management at hub for smooth running for operation
ASSOCIATE & TEAM LEADER - CREDIT & OPERATION
CreditAccess Grameen Ltd
12.2023 - Current
- Credit Under writing & disbursement Exposure
- Products handled are Personal Loan
- Credit underwriting - Evaluation and appraisal for Personal Loan applications of Bangalore
- Process the loan after cross checked customer's previous credit history in CIBIL & High Mark
- Scrutinize initial loan application, KYCs, Financial docs and underwriting the application
- Lead the team of CPA and disbursement, Handling a team size of 10 Employees
- Analyze credit bureau reports and take decisions in case of deviations, manage exceptions
- Implementation and maintenance of Credit Risk policies and procedures
- Ensure TAT is strictly maintained & delivering results
- Maintaining a clean portfolio and ensuring the files underwritten are as per the policy guidelines
- Prepare various weekly and monthly reports to track key performance indicators
- Analyze the Portfolio behaviour for better credit underwriting
- Training & monitoring the performance of CPA and disbursement Staff to ensure efficiency in process operations and with minimal errors
- Maintenance of data pertaining to login, disbursement, rejection etc
- Following up of login's status and End to end work & credit, Operation work
- A credit analyst's primary role is to assess the credit worthiness of individual or company
- Resource planning and management at hub for smooth running for operation
Executive Operations
KOTAK MAHINDRA BANK LTD
- Company Overview: Worked for AXIS SECURITIES LTD as a Executive Operations deputed to AXIS BANK LTD
- Credit & Operations back end and disbursement Exposure
- Products handled are Personal Loan
- Scrutinize initial loan application, KYCs, Financial docs and underwriting the application
- Process the loan after cross checked customer's previous credit history in CIBIL & HighMark
- Prepare various weekly and monthly reports to track key performance indicators
- Updating the status of the cases in software and MIS
- Collecting the data on leads generated by various channels throughout the assigned branches
- Taking care of Personal loan Login, Disbursement
- Maintenance of data pertaining to login, disbursement, rejection etc
- Publishing MIS of Personal loan details to concerned people on daily basis
- Addressing the grievances raised by the customers for rejection or any discrepancy in process
- Worked for AXIS SECURITIES LTD as a Executive Operations deputed to AXIS BANK LTD
Education
B.Com -
GOKUL COLLEGE OF MANAGEMENT
Kolar01.2013
P.U.C (HEBA) -
Adarsha Pre-University College
Kolar01.2010
S.S.L.C -
Sri Chowdeshwari High School
Kolar01.2008
Skills
- Accounting
- Tally ERP
- SAP (FICO)
- Sales Tax Calculation
- TDS Calculation
- TCS Calculation
- VAT Calculation
- Balance Sheet Preparation
- Windows 95
- Windows 98
- Windows 2000
- Windows 2007
- Windows 2010
- Windows XP
- Windows 11
- MS Word
- MS Excel
- MS PowerPoint
- Loan documentation and policies
- Underwriting
- Credit scoring
- Loan evaluation
Languages
- Kannada
- English
- Telugu
Hobbies and Interests
- Playing Games
- Gardening
- Reading of Books and Newspapers
- Watching TV
- Listening Music
Disclaimer
I hereby declare that the above-mentioned information is correct to the best of my knowledge and I bear the responsibility for the correctness of the above-mentioned particulars.
Personal Information
- Date of Birth: 06/28/92
- Nationality: Indian
- Marital Status: Married
Highlights Of Experience
- Over 10.2 Years of wide exposure & experience in Credit, Operation, Risk & Collection Management - experience in both Banking & Non-Banking industry
- Strong exposure and understanding of company's policy and procedures and adhere to the policies and procedures for maintaining Portfolio
- Expertise in working in fast-paced, high-tech environments requiring skills in scheduling and management
- Good communication & interpersonal skills with the ability to work in multi-cultural environment
- Excellent in Analytical & statistical skills
Timeline
CCM - CREDIT
IKF Home Finance Ltd
12.2023 - Current
ASSOCIATE & TEAM LEADER - CREDIT & OPERATION
CreditAccess Grameen Ltd
12.2023 - Current
Executive Operations
KOTAK MAHINDRA BANK LTD
B.Com -
GOKUL COLLEGE OF MANAGEMENT
P.U.C (HEBA) -
Adarsha Pre-University College
S.S.L.C -
Sri Chowdeshwari High School