Vivekanand SV
Dharwad
Summary
Banking professional with over 12 years of experience in banking and finance, specializing as a Credit Manager. Proven expertise in overseeing credit operations, developing efficient loan procedures, and managing risk. Recognized for enhancing credit processes and maintaining high-quality lending standards, resulting in a significant reduction in bad debt losses through effective risk control measures. Committed to pursuing higher responsibilities and continuous career improvement while ensuring, team and personal performance are met.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Credit Manager
Mintifi Finserve Pvt Ltd
Hubballi
11.2024 - 06.2025
- Managed branch and spoke locations in Hubli and Belgaum for secured business LAP product.
- The total branch team size was 7 members, including sales and operations personnel.
- Operated from the ground level and across the verticals.
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Analyzed financial statements, loan applications and credit reports for potential customers.
- Analyzed risk factors associated with new loans or existing portfolios.
- Developed and implemented credit policies and procedures to ensure compliance with regulatory requirements.
- Reviewed customer accounts to identify delinquencies and recommend collection action plans.
Credit Manager
IIFL Samasta Finance Limited
Hubballi
05.2023 - 08.2024
- As a credit manager at IIFL, I did underwriting for unsecured business loans and loans against property, mainly concentrating on rural lending in unbanked areas.
- Appraisal involved FI and PD, collateral visits, gram panchayat verifications, FRC, and EVR invariably.
- Apart from the core underwriting job, I was involved in branch supervision, collection visits, business and promotions monitoring, and day-to-day branch activities with a team of nine members.
- Monitored customer account details for payment activity.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Reviewed accounts for signs of fraud and non-payment issues.
Retail Credit Manager
ICICI Bank Ltd.
Davanagere
10.2021 - 09.2022
- In the role of a retail credit manager, I have handled nine retail loan products, including housing loans, LAP, business loans, new car loans, used car loans, personal loans, KCC, KCC premium overdrafts, tractor and farm machinery loans, and loans to SHGs.
- In these, I have underwritten fresh loans, repeat/enhancements, renewals, internal balance transfers, and external balance transfer loans also.
- I have assessed loans originated from branch channels, DSAs, and directly from customers through online mode.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Provided guidance and support to other departments regarding the development of new credit policies and procedures.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Prepared and presented regular reports on credit risk exposure and performance to senior management.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
- Coordinated with sales and customer service departments to align credit policies with business objectives.
- Oversaw credit review process, ensuring timely and accurate assessments.
Credit Manager
HDFC Bank Ltd.
Dharwad
09.2016 - 04.2021
- In my role as a Credit Manager, I appraised and did underwriting for agribusinesses based on farm and non-farm income, loans to small enterprises based on balance sheets, P&L, and other financial documents, loans to salaried clients based on their salary income, loans to government employees based on their salary, and loans to traders based on their ITR and other financial statements.
- The loan sizes that I handled vary widely from Rs. 1 lakh to Rs. 200 crore.
- Provided guidance and support to other departments regarding the development of new credit policies and procedures.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Monitored customer account details for payment activity.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Investigated discrepancies between actual balances owed by customers versus amounts recorded in company's accounting system.
- Researched industry trends in order to develop innovative strategies for improving collection processes.
- Determined resources required to achieve successful software conversion and validation upgrade.
- Submitted delinquent accounts to collections department or outside resources.
- I appraise secured loans independently, up to 15 lakhs, and unsecured loans, up to 1 lakh, independently.
- For secured loans above 15 lakhs, I would be the primary underwriter and recommend proposals to higher delegations.
- Sanctioned secured loans, considering valuation reports for NA lands, commercial complexes, shops, residential houses, industrial properties, agri lands, and gold.
- Also appraised loans against commodities, vehicles, cattle, stock, and liquid securities, including FD and insurance policies.
- Primarily, KRA included Credit Underwriting, Policy Compliance, Credit Monitoring, and Vendor Management for Hubli Hub, covering Northwest Karnataka.
- Established credit limits by analyzing financial information and assessing market conditions.
- Completed ongoing professional training to facilitate accurate and productive credit management.
- Monitored economic trends and industry developments to proactively adjust credit policies.
- Oversaw credit review process, ensuring timely and accurate assessments.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Developed invoicing systems and internal controls to boost billing efficiencies.
Relationship Manager
RBL Bank Ltd.
Hubli-Dharwad
10.2013 - 08.2016
- As a Relationship Manager, I managed banking relationships with corporate companies and individual farmers for crop loans, farm development loans, project finance, warehouse receipt-based funding, commodity finance, loans against FD, cattle loans, and loans to lift irrigation schemes.
- Provided exceptional customer service by responding promptly to inquiries and resolving issues in a timely manner.
- Generated reports regarding customer interactions, performance metrics, and revenue goals.
- Managed daily operations including scheduling appointments, coordinating meetings and preparing agendas.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
- Collaborated with internal teams to develop strategies that would increase customer engagement levels.
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Provided training sessions for colleagues on best practices.
- Developed strategies to attract new customers while retaining existing ones.
- Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
- Led training sessions for junior relationship managers on client service best practices.
- Negotiated terms and conditions of client contracts to ensure mutual satisfaction.
- Analysed client financial statements to offer tailored advice and products.
- Ensured compliance with regulatory standards and company policies in all client interactions.
- Prepared and presented detailed reports on client account status and growth opportunities to senior management.
Branch Operations Officer (Agri & Rural Banking)
Axis Bank Ltd.
Belgaum
11.2011 - 10.2013
- Facilitated smooth communication between front-line staff and senior management regarding operational issues.
- Investigated suspicious activity involving customers' accounts in accordance with established procedures.
- Reviewed customer applications for credit cards, loans or other banking services; verified accuracy of documents submitted.
- Resolved customer complaints in a timely manner; documented all inquiries, complaints and resolutions according to policy.
- Coordinated staffing schedules to ensure adequate coverage during peak hours; supervised employees during shifts.
- Maintained inventory of supplies necessary for daily operations; placed orders when needed.
- Developed processes for efficient customer service delivery; ensured compliance with bank policies and regulations.
- Oversaw daily branch operations, including opening and closing procedures, cash handling activities and security protocols.
- Identified potential opportunities for cross-selling products; implemented strategies to increase sales volume.
- Resolved customer complaints in a timely manner while maintaining high standards of customer service excellence.
- Assisted customers with various banking needs such as account openings, deposits and withdrawals, loan payments.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Established and built customer relationships through targeted outreach and initiatives.
- Checked vendor bills, vendor payments and other accounting disbursements for accuracy and compliance.
Divisional Manager
Spandana Sphoorty Financial Ltd.
Hiriyur
04.2010 - 01.2011
- I handled my primary KRA, which was Business Development, Branch Supervision, Audit, Recruitment, etc.
- Successfully managed different regions in succession, achieving faster growth in the number of clients (added 555) and a rate of increase in the outstanding amount of 81,70,867 for the Hiriyur Region.
- Successfully established a new branch offering new products at Chikkajajur for the Hiriyur Region.
- Recruited new filed staff for the Davanagere Division.
- Audited five branches for the Orissa Zone and one branch for the Hyderabad Zone.
- Provided guidance and support to staff members when needed, helping them resolve issues or challenges encountered in their roles.
- Ensured that all employees adhered to company policies and procedures at all times.
- Worked closely with senior management to ensure the division was meeting its financial targets and objectives.
- Enforced customer service standards and resolved customer problems to uphold quality service.
- Enhanced team member performance through use of strategic and tactical approaches, motivational coaching and training.
- Implemented process improvements, resultingin an increase in operational efficiency.
- Recruited and hired qualified candidates to fill open positions.
- Coordinated cross-departmental projects to ensure timely and successful completion.
- Led team meetings and one-on-one coaching sessions to continuously improve performance.
- Led a team of 25 employees, ensuring high productivity and excellent customer service.
- Monitored staff performance and addressed issues.
- Trained employees on additional job positions to maintain coverage of roles.
- Directed recruitment, hiring, and training of new staff members.
- Assigned tasks to associates to fit skill levels and maximize team performance.
- Planned and delivered training sessions to improve employee effectiveness and address areas of weakness.
- Resolved customer inquiries and complaints requiring management-level escalation.
- Interviewed prospective employees and provided input to HR on hiring decisions.
Education
PGDM -
Indian Institute of Plantation Management
Bangalore, Karnataka07.2025
Bachelor of Science - Agriculture
Agriculture College Dharwad
Bangalore, Karnataka07.2025
Skills
- Team management
- Underwriting skills
- KYC verification
- Collateral Property Document verification, Collateral evaluation, Legal scrutiny
- RBI Default List check
- CERSAI / CIBIL / EQUIFAX / EXPERIAN verification
- Client Dedupe and Collateral Dedupes Checks
- Field Inspections & Personal Discussion with applicants
- Cross Functional feedbacks
- Collection feedbacks
- Operations & Documentation
- Loan Recoveries and Legal Actions for Bad Debts
- Vendor Management
- Credit analysis
- Risk assessment
- Portfolio management
- Debt restructuring
- Credit scoring
- Loan origination
- Client relationship management
Certification
- Basics of Operational Risk Management, L&D, HDFC Bank Ltd., 2021
- Basics of Financial Statements, L&D, HDFC Bank Ltd., 2020
- Credit & Risk Management, L&D, HDFC Bank Ltd., 2020
- KYC & AML Norms, L&D, HDFC Bank Ltd., 2020
- Kisan Gold Card, L&D, HDFC Bank Ltd., 2019
- Retail Agri & SLI, L&D, HDFC Bank Ltd., 2017
- BCSBI-MSE, L&D, HDFC Bank Ltd., 2016
- Retail Agri & Tractor Loans, L&D, HDFC Bank Ltd., 2016
Hobbies and Interests
- Travelling
- Reading & Writing
- Blogging
- Drawing
- Playing Chess & Cricket
Disclaimer
I, Vivekanand SV, hereby declare that the information contained herein is true and correct to the best of my knowledge and belief.
Languages
- Kannada
- Hindi
- English
Personal Information
- Father's Name: Mr. Shrikantayya
- Date of Birth: 08/09/86
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Affiliations
- Served as a volunteer for 2 years in National Service Scheme while I was a graduate student at UASD and participated in a rural camp at Mangalagatti village.
- I was a cadet at National Cadet Corps while I was a graduate student at UASD.
- Participated in a 6 months Rural Agricultural Work Experience (RAWE) program in a village ‘Asundi’ while I was a graduate student at UASD.
Languages
Kannada
First Language
Hindi
Upper Intermediate (B2)
B2
English
Upper Intermediate (B2)
B2
Accomplishments
- Synthesis Paper Titled : Operating Vegetables Value Chains In Indian Markets With special focus on Cabbage, Cauliflower, Potato & Tomato while pursuing PGDM (IIPM, Bangalore).
- Business Plan Titled : Setting up of an Export Oriented Unit for Manufacturing Peanut from Organically Produced Peanuts in India while pursuing PGDM (IIPM, Bangalore).
- Commodity Paper Titled : Jeera (Cumin Seed) , Chana (Chick Pea) while pursuing PGDM (IIPM, Bangalore).
- Corporate Training Segment (CTS) : Achieved sales target of Rs. 4 Crore assigned for the Summer Project at Reliance Fresh, Bangalore and efficiently performed my role as a Project Coordinator for fellow Team Members while pursuing PGDM (IIPM, Bangalore).
Timeline
Branch Credit Manager
Mintifi Finserve Pvt Ltd
11.2024 - 06.2025
Credit Manager
IIFL Samasta Finance Limited
05.2023 - 08.2024
Retail Credit Manager
ICICI Bank Ltd.
10.2021 - 09.2022
Credit Manager
HDFC Bank Ltd.
09.2016 - 04.2021
Relationship Manager
RBL Bank Ltd.
10.2013 - 08.2016
Branch Operations Officer (Agri & Rural Banking)
Axis Bank Ltd.
11.2011 - 10.2013
Divisional Manager
Spandana Sphoorty Financial Ltd.
04.2010 - 01.2011
PGDM -
Indian Institute of Plantation Management
Bachelor of Science - Agriculture
Agriculture College Dharwad
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