Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Language Proficiency
Personal Information
Timeline
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VINAYAKA J P

Davanagere

Summary

Over 12 years of experience in senior credit management, specializing in financial strategy. Proven ability to lead teams in achieving significant reductions in bad debt and enhancing credit scoring efficiency. Strong track record of improving financial metrics through effective credit risk management and fostering company-wide collaborations.

Overview

14
14
years of professional experience

Work History

Senior Credit Manager

IDFC FIRST Bank
Davanagere
11.2019 - Current
  • Dealing with Secured and Unsecured borrowing options.
  • Awareness of CIBIL evaluations and additional screenings undertaken to determine the trustworthiness of a customer.
  • Meets with the customer at their business location and collateral site for a personal conversation.
  • Conducting verification of business documents, Property documentation, and KYC Information.
  • Proposing an elevated high ticket size to the subsequent level Manager.
  • Documenting collateral and business images followed by updating the system software with accurate information.
  • Evaluating the case while establishing the preferred level of policy and decision-making within the specified TAT.
  • Administration of Legal and Technical Services.
  • Tracking post-disbursal documents while upholding the integrity of the portfolio MIS.
  • Collection Management Strategy.
  • Under the Delegation of Authority(DOA), the following financial limits have been set: 10 Lakhs for Home Loan(HL) and Loan Against Property ‘LAP’ products, 6 Lakhs for Vehicle Loans, and 2 Lakhs for Unsecured loans.

Branch Credit Manager

Equitas Small Finance Bank
Hubli
04.2017 - 10.2019
  • Responsible for overseeing the five branches located in Hubli, Dharwad, Haveri, Ranebennur, Gadag.
  • Managed a Credit team comprised of five credit officers.
  • Authorization for loan approvals up to a maximum of 15 Lakhs.
  • Awareness of CIBIL and other verification processes employed to determine the trustworthiness of the customer.
  • Analyzing the documentation provided by the applicant, the report from the sales visit, the bureau report – CIBIL, among others), and performing customer tele-verification or conducting a personal conversation.
  • Assessing the validity of business papers, property documentation, and KYC compliance.
  • Conducting a site visit and validating property documentation.
  • Engage with the sales team to facilitate the resolution of credit risk concerns.
  • Provide service to the client within the designated time frames and turnaround expectations.
  • Positive approach with problem solving attitude.
  • Maintaining confidentiality of Information gathered from customers.
  • Recommending loan applications to the higher authority for approval.
  • Further initiatives associated with the credit department.

Deputy Service Relationship Manager

AXIS Bank
Hosure
12.2016 - 04.2017
  • Develop a strong understanding of customer needs by focusing on customer experience.
  • Up selling of banking products to existing SME clients.
  • Providing services for SME clients in all banking operations.
  • SMEs new acquisitions and managing existing portfolio.
  • Execution of proper documentation as per bank's policy including legal documentation.
  • Responsibility to comply the terms and conditions stipulated in the sanctions.
  • Monitoring the borrowers repayments and temporary overdraft if any etc.
  • Periodical unit inspections.
  • Follow up of irregular/ NPA accounts.
  • Audit compliance.
  • Timely processing transaction and tracking suspicious transaction of customers.
  • Owning regulatory audit, compliance and control measures at the branch.
  • Ensure compliance with the KYC policies and procedures of the bank as stipulated from time to time.
  • To provide quick response to customer queries and gain customer confidence.
  • Servicing the client for retails assets products.

Assistant Credit Manager

Vistaar Financial Services Pvt
Raichur
08.2013 - 12.2016
  • Help to supportive teams to expand the individual loan products in various branches.
  • Verifying Property Legal Documents & and Property Mortgage.
  • Business verification & analysis & TRC & Neighbor checks.
  • Residential Verification & Repayment follow up.
  • Responsible for through client analysis & Prepare Financial Status.
  • Preparing Loan proposal as per their DSR income.
  • Inspection of Clint's property and analyzing of Market value.
  • Portfolio management.
  • Responsible for Doing promotional activities.
  • Responsible for achieving monthly Target and Quality check.
  • Motivate to branch staff to good business.
  • Approve Delegation power.
  • Attending Customer's queries.
  • File logins and disbursement.
  • Handling of PDC's, Cash collection, cash balancing and Management & Highmark generate.

Back end - Vehicle Loan

Mahindra and Mahindra Finance
Davanagere
01.2012 - 06.2012
  • File logins.
  • Cash handling.
  • PDC handling.

Education

Master of Commerce -

Davanagere University
Davanagere
06.2011

Bachelor of Commerce -

Kuvempu University - A.R.G college
Davanagere
05.2008

Pre-University Course -

A.R.G Arts & Commerce P.U college
Davanagere
08.2005

Secondary School Leaving Certificate -

Mothi veerappa Junior High School
Davanagere
06.2003

Skills

  • Credit assessment and analysis
  • Underwriting expertise
  • Financial analysis and planning
  • Problem-solving skills
  • Collateral management
  • Loan approval processes
  • Portfolio management
  • Risk analysis and mitigation
  • Cash flow management
  • Team leadership and collaboration
  • Collections strategy
  • Credit risk assessment
  • CIBIL evaluation

Accomplishments

  • Bharat Ki Shaan Award received three awards in the Bharat Ki Shaan initiative during Q1 2024, Q2 2022, Q3 2020, and Q2 2020
  • JFM Contest, successfully qualified for the JFM Contest three times, achieving the title of winner in 2022, as well as being the runner-up in both 2021 and 2020
  • Double-X Contest, successfully qualified twice for the Double-X Contest, having been declared the winner in both 2021 and 2020
  • Rock star each month consistently qualified as an exceptional rock star

Language Proficiency

  • Kannada
  • English

Personal Information

  • Father's name: Parameshwarappa J. C.
  • Mother's name: Parvathamma J. P.
  • Spouse name: Sangeetha N. R.
  • Date of birth: 02/19/86
  • Nationality: Indian
  • Marital status: married

Timeline

Senior Credit Manager

IDFC FIRST Bank
11.2019 - Current

Branch Credit Manager

Equitas Small Finance Bank
04.2017 - 10.2019

Deputy Service Relationship Manager

AXIS Bank
12.2016 - 04.2017

Assistant Credit Manager

Vistaar Financial Services Pvt
08.2013 - 12.2016

Back end - Vehicle Loan

Mahindra and Mahindra Finance
01.2012 - 06.2012

Master of Commerce -

Davanagere University

Bachelor of Commerce -

Kuvempu University - A.R.G college

Pre-University Course -

A.R.G Arts & Commerce P.U college

Secondary School Leaving Certificate -

Mothi veerappa Junior High School

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