VIVEKANAND S V
Credit Manager
Dharwad
Summary
Dynamic banking and NBFC professional with over 12 years of experience in credit underwriting, risk management, and portfolio monitoring across diverse sectors, including retail, MSME, agriculture, secured (LAP), and unsecured business loans. Strong expertise in policy compliance, KYC/AML governance, collateral evaluation, and collection oversight, consistently prioritizing asset quality and audit readiness. Proven ability to uphold credit discipline while navigating the complexities of rural and semi-urban markets. Committed to driving operational excellence and enhancing financial performance through strategic risk assessment and management practices.
Overview
16
16
years of professional experience
7
7
Certifications
3
3
Languages
Work History
Branch Credit Manager - Secured Lending (LAP)
IIFL Samasta Finance Ltd.
11.2025 - Current
- Involved invariably in credit underwriting and risk ownership for Secured Loans (LAP).
- Carried out end-to-end appraisal: FI, PD, collateral inspections, Gram Panchayat checks, FRC, EVR.
- Strictly adhered to sanction condition compliance, internal credit policy adherence, and RBI guidelines.
- Ensured the strict KYC, documentation accuracy, and audit preparedness.
- Coordinated with Sales, Credit, Central Ops, Legal teams, and empanelled vendors.
- Proactively involve dinto collection follow-up for secured and unsecured business loan portfolios.
- Wrote reports detailing branch activities.
- Streamlined processes for early identification of potential credit system and monitoring problems.
Branch Credit Manager - Secured Lending (LAP)
Mintifi Finserve Pvt. Ltd.
11.2024 - 06.2025
- Managed Hubli branch and Belgaum spoke locations for secured LAP business with a 7 member branch & spoke location team.
- Inolved in income assessment, collateral valuation, bureau analysis, and policy compliance.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Investigated and evaluated customers for creditworthiness and potential risk factors while consistantly maintaining the (Hubli) branch performance at the top 3 levels pan India in JFM-2025 Quarter.
- Involved actively in the field verifications and underwrinting process while achieving the branch performance of 6.18 Crore worth disbursements in March-205 quarter (i.e. Rs. 1.26 Crore - Jan 2025, Rs. 1.96 Crore - Feb 2025, Rs. 2.96 Crore - March 2025)
Credit Manager - Secured & Unsecured Lending
IIFL Samasta Finance Ltd.
05.2023 - 08.2024
- Underwriting for Secured Loans (LAP) and Unsecured Business Loans.
- Comprehensive appraisal including FI, PD, collateral visits, and local verifications.
- Portfolio monitoring and collection follow-up.
- Disbursement handled by operations teams; credit risk owned by BCM.
Retail Credit Manager
ICICI Bank Ltd.
10.2021 - 09.2022
- Handled housing, LAP, vehicle, business, KCC, and SHG loans.
- Sanctions, renewals, enhancements, and balance transfers.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Complied with established internal controls and policies.
Credit Manager
HDFC Bank Ltd.
09.2016 - 04.2021
- Underwrote 1 lakh to 2 crore loans across Agri and MSME segments.
- Independent sanction up to n15 lakh; primary underwriter for higher delegations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
Relationship Manager
RBL Bank Ltd.
10.2013 - 08.2016
- Managed corporate and farmer portfolios for crop loans and project finance.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
Divisional Manager
Spandana Sphoorty Financial Ltd.
04.2010 - 01.2011
- Led 25-member team; added 555 clients.
- Increased portfolio by 81.70 lakh; conducted multi-zone audits.
- Ensured compliance with company policies, industry regulations, and legal requirements throughout all divisional activities.
- Motivated employees to excel in their roles through regular performance evaluations, feedback sessions, and recognition programs.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
Education
Agribusiness & Plantation Management
Indian Institute of Plantation Management
Bengaluru 04.2001 -
Bachelor of Science - Agriculture
Agriculture College
Dharwad 04.2001 -
Skills
Loan underwriting
Team management
Sales strategies
Portfolio management
Credit analysis
Client relationship management
Mentoring and training
Workflow coordination
Customer service
Loan processing
Staff management
Team building
Sales support
Know your customer
Analytical skills
Interpersonal skills
Certification
Credit & Risk Management, L&D, HDFC Bank Ltd.
Timeline
Branch Credit Manager - Secured Lending (LAP)
IIFL Samasta Finance Ltd.
11.2025 - Current
Branch Credit Manager - Secured Lending (LAP)
Mintifi Finserve Pvt. Ltd.
11.2024 - 06.2025
Credit Manager - Secured & Unsecured Lending
IIFL Samasta Finance Ltd.
05.2023 - 08.2024
Retail Credit Manager
ICICI Bank Ltd.
10.2021 - 09.2022
Operational Risk Management, L&D, HDFC Bank Ltd.
03-2021
Credit & Risk Management, L&D, HDFC Bank Ltd.
03-2020
KYC & AML Norms, L&D, HDFC Bank Ltd.
03-2020
Financial Statements, L&D, HDFC Bank Ltd.
03-2020
Kisan Gold Card, L&D, HDFC Bank Ltd.
03-2019
Retail Agriculture Lending & Sustainable Livelihood Initiation Lendig
03-2017
Credit Manager
HDFC Bank Ltd.
09.2016 - 04.2021
Banking Codes and Standards Board of India (BCSBI) - Micro and Small Enterprises (MSE), L&D, HDFC Bank Ltd.
03-2016
Relationship Manager
RBL Bank Ltd.
10.2013 - 08.2016
Divisional Manager
Spandana Sphoorty Financial Ltd.
04.2010 - 01.2011
Agribusiness & Plantation Management
Indian Institute of Plantation Management
04.2001 -
Bachelor of Science - Agriculture
Agriculture College
04.2001 -
Cricket, Chess, Reading
Enjoy playing cricket, which fosters teamwork and discipline; chess, which sharpens problem-solving and strategic thinking; and reading, which broadens my perspective and keeps me intellectually curious.