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Vivek S
Credit Analyst
Chennai
Summary
Experienced credit analyst with a decade experience in Banking and NBFC sector, skilled in financial analysis, risk assessment, and industry knowledge. Proficient in evaluating creditworthiness, identifying risks, and communicating recommendations. Strong problem-solving and communication abilities, with a track record of supporting informed decision-making and managing credit risk effectively.
Overview
11
11
years of professional experience
29
29
years of post-secondary education
2
2
Languages
Work History
Credit Manager
ICICI Bank
Chennai, India
01.2023 - Current
- Expertise: Managed Working capital loans up to Rs.10 Crores and Super Biz program upto 20 Crores in the SME sector.
- Eligibility Analysis: Utilized various criteria, including Unicore Program, Financial Program ,Banking surrogate, GST surrogate and Super-Biz program.
- Customer Engagement: Conducted personal discussions with all segment customers within a 50 km geographical limit in Chennai and Pondicherry.
- Collateral Management: Oversaw the comprehensive Loan Against Property (LAP) collateral verification process, including vendor coordination and follow-up.
- Training: Conducted monthly policy training sessions for sales, credit teams, and external partners.
Credit manager
Aditya Birla Capital
Chennai, India
7 2021 - 01.2023
- Assess Loans: Evaluate MSME loan applications up to Rs.1 Crore covering Pan South.
- Timely Processing: Handle 30+ files/month, meeting Turnaround Time.
- Customer Interaction: Conduct meetings, visit premises to understand needs.
- Risk Evaluation: Analyze borrower profiles, financial stability.
- Collaboration: Coordinate with sales, vendors, DSAs for targets.
- Problem-solving: Resolve client issues, ensure compliance.
- Performance Improvement: Enhance underwriting based on trends.
Credit Manager
IDFC Bank
Chennai, India
04.2018 - 06.2021
- Loan Assessment & Customer Engagement: Evaluate MSME loans (Rs.1- 50L) with aggressive customer engagement and travel.
- Branch Management: Manage Teynampet, Perambur, and Ambattur branches.
- Documentation & Reporting: Prepare PD reports, CAMs, and income calculations.
- Customer Evaluation & Risk Management: Conduct PDs, collateral visits, assess Cibil reports, and recommend loan amounts.
- Operations Handling & Timely Execution: Oversee approval processes, coordinate with vendors, handle original documents, and manage delinquency lists for timely execution.
Credit Manager
Jana Small Finance Bank
Chennai
07.2016 - 03.2018
- Loan Management: Handle unsecured/secured loans from 1 lakh to 10 lakhs (without collateral) and above 10 lakhs to 20 lakhs (with collateral).
- Underwriting: Underwrite loan proposals in adherence to policies, ensuring SLAs are met and managing city/area business volumes.
- Customer Engagement: Conduct personal discussions with customers to establish creditworthiness.
- Documentation & Verification: Ensure completion of credit/KYC documents and verification through telephonic, field, and collateral visits.
- Coordination & Compliance: Prepare Credit Appraisal Memos (CAM), coordinate with sales to achieve targets, ensure TAT/SLAs are met, adhere to credit policies, and coordinate with the ops team for proper funding.
Credit Operations Analyst
Bajaj Finance
Chennai, India
03.2015 - 05.2016
- Document Verification & Query Resolution: Verify documents and raise queries in accordance with credit policies.
- File Processing: Process files once queries are resolved by sales, proceeding to login.
- File Analysis & CAM Preparation: Analyze files with financial, CIBIL, and banking transaction data, consulting credit for any discrepancies before preparing Credit Appraisal Memos (CAM).
- Sanction Letter Preparation & Disbursement: Prepare sanction letters based on rate approval and SFDC approval, returning files to disbursement after credit approval.
- Disbursement Process & Documentation: Verify disbursal documents against checklist, prepare Disbursement Memos (DM) and complete OTC and PDD pending in SFDC, then proceed with Quick Disbursal Payment (QDP) in Finnone.
Data Analyst
Learnovators
Chennai, India
10.2014 - 03.2015
- Statistical Data Analysis: Utilized statistical methods to analyze data and generate actionable business reports.
- Collaborative Problem Identification: Collaborated with business-unit leaders to identify and prioritize problems for targeted solutions.
- Industry Trends Awareness: Maintained up-to-date knowledge of industry trends and advancements in data analytics to enhance solution adaptability.
Credit Executive
Vaithisvaran & Co Processing for Capital first limited
Chennai, India
10.2013 - 10.2014
- Document Verification & Query Resolution: Verify documents and raise queries in accordance with credit policies, ensuring accuracy and compliance.
- CAM Preparation & Approval: Prepare Credit Appraisal Memos (CAM), analyzing files for merits and demerits, and obtain approval from credit manager.
- Disbursement Process & Documentation: Calculate disbursal amount, enter customer banking details, and ensure completion of all necessary documentation before finalizing file packaging and sending it to the operation team.
Education
MBA - Finance
University of Madras
Chennai, India 04.2001 - 04.2018
B.Tech - Information Technology
DMI College of Engineering
Chennai, India 04.2001 - 04.2013
HSC - Science
Dharam Hinduja Matriculation Higher Secondary School
Chennai, India04.2009
X Class - Science
Jai Gopal Garodia Government Higher Secondary School
Chennai04.2007
Skills
Current Employer
Aditya Birla Finance, Credit manager, Chennai, 07/2021 - Present
Personal Information
- Father's Name: P.Solaiyappan
- Date of Birth: 08/08/91
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Previous Organizations
- IDFC First Bank Ltd, Credit manager, Chennai, 04/2018 - 06/2021
- JANA SMALL FINANCE BANK Ltd, Credit Underwriter, Chennai, 07/2016 - 03/2018
- Bajaj Finance Ltd, Credit Operation Executive, Chennai, 03/2015 - 05/2016
- Vaithisvaran & Co Processing, Credit Processor Executive, Chennai, 10/2013 - 03/2015
Disclaimer
I hereby declare that the information furnished above is true to the best of my belief and knowledge.
Interests
Surfing the internet
Timeline
Credit Manager
ICICI Bank
01.2023 - Current
Credit Manager
IDFC Bank
04.2018 - 06.2021
Credit Manager
Jana Small Finance Bank
07.2016 - 03.2018
Credit Operations Analyst
Bajaj Finance
03.2015 - 05.2016
Data Analyst
Learnovators
10.2014 - 03.2015
Credit Executive
Vaithisvaran & Co Processing for Capital first limited
10.2013 - 10.2014
MBA - Finance
University of Madras
04.2001 - 04.2018
B.Tech - Information Technology
DMI College of Engineering
04.2001 - 04.2013
Credit manager
Aditya Birla Capital
7 2021 - 01.2023
HSC - Science
Dharam Hinduja Matriculation Higher Secondary School
X Class - Science
Jai Gopal Garodia Government Higher Secondary School