Objective :
Seeking a position to show my knowledge and apply my skills in the relevant Field. I would like to work for the development of the organization with full commitment, loyalty and sincerity.
Work Experience :
1) Muthoot Fincorp Ltd (Non Banking Financial) : Coimbatore January 09 –Till Now.
Being a Credit Manager under the division of Micro Finance. Responsibility is to manage Branch to acquire customers and build credit worthy portfolio. Train to relate healthy pipeline. Help RM’s build community network. Monitor RM’s to do Collections. Monitor payment of loans and ensure RM’s conduct regular collections and overdue collections. Having Approving Authority of Credit upto 50k for single customers and also having approving authority for his spoke branch Karumathampatti. Gives Recommendations for loans > 50k INR to my Superiors .Credit Quality demonstrated by non starters, delinquency & Net Credit Loses. New Customer Acquisition Growth of volume of funding. Process discipline demonstrated by satisfactory audit reviews
2) Fullerton India Credit Company Ltd (RMM). : Dharmapuri Mar 2008January 09
Branch Credit Officer (All type of Loans)
Being a Credit Officer under the division of “Retail Mass Market”. Responsibility is to analysis the customer’s Financial soundness and Repaying capacity. Branch approving authority solely responsible depending to me. Branch Portfolio is one of my responsibilities (delinquency). Assisting new ideas to collections, regarding Bucket cases and skips cases. Maintaining verification agency and fraud control unit. Conducting Training Program at regular intervals. Assisting branch to reach target on disbursement. Maintaining Credit tracker on daily basis and sending to functional Head. Disbursement of files Increasing monthly. Funding of loans is depending upon after the Personal Discussion with the customer.
3) ICICI Bank Ltd (SEG-BBG). : Coimbatore Nov 2006 – March 2008
Credit Processor (Unsecured Business Loan-OD)
Being a Team Leader under the division of "Simple Business Loan". Responsibility is to analysis the customer's financial documents (current ratio, inventory ratio, etc), Analyzing Loan track and Bank statement of the customers. Preparing Daily MIS and forwarding to country head & National head. Additionally handling second product of (Roaming Protect-Over Draft) in which preparing Credit authorization memo (CAM), and Limit set up memo (LSM).Debiting processing fees and Hot listing the cards.
And finally setting the Limit and DP to the entity. Monitoring the Overdue cases and referred to Collection.
4) HDFC Bank Ltd. : Coimbatore Nov 2005Nov 2006
7(Business Banking)
Worked under the division "Loan against property". Responsibility is to catch customers for the company under the scheme "Loan against property" and documentation.
Team has 5 people with a target per month.
Achieved the assigned target for Jan 2006 and March 2006
5)Sri Varsini TVS Agencies :01, Oct 2002-30, Sep 2003
Udumalapet
Office Administrator
The organization was TVS show room. My responsibility was to make sales of bikes to customers along with arranging them feasible loans.
Many times received my Boss's appreciation for Customer persuasion and tolerance.
Sri Surya Motors TVS :01, Oct 2003-27, Oct 2005
Administrative Officer : Responsibility to take care of Sales, Purchase & maintenance in the organization.
Sales : Responsible for achieving monthly targets fixed by the manufacturer.
Providing financial assistance for the required customers.
Accomplishments :
STAR PERFORMER(AUG,SEP,OCT-2007)-ICICI BANK LTD
Felicitated for low Error & tat in processing Documents.
Team achieved overall disbursement of 80 cases in the month of December 2006, in which I handled 52 cases individually.
Education :
B.B.M (Management) Vidyasagar College of Arts & Science affiliated to bharathiar university From 1999-2002 onwards with 56%.
Skills Operating Systems :
Windows 98, Windows XP.
Office Automation : Ms-Office.
Accounting Package : Tally 6.3.
GUI : Visual Basic.
RDBMS : Oracle.
Personal Details :
Nationalities : Indian
Linguistics Known :
Language Read Speak Write
Tamil Y Y Y
English Y Y Y
Telugu N Y N
Declaration :
I hereby declare that the above said details are true to the best of my knowledge.
Date :
Place :