Talk to sales Try for Free
Bharadwaj Muralidharan

Bharadwaj Muralidharan

Internal Auditor

Followers of Bharadwaj Muralidharan757 followers
location of Bharadwaj MuralidharanChennai, Tamil Nadu, India

Connect with Bharadwaj Muralidharan to Send Message

Connect

Connect with Bharadwaj Muralidharan to Send Message

Connect

  • Timeline

  • About me

    Credit and Risk Professional with over 11 Yrs of Hands-on Experience in Consumer Lending, Emerging Corporates.

  • Education

    • Junior College Maharashtra State

      2003 - 2005
      HSC M.I.T 12th Standard

      Activities and Societies: I was a part of the Debate Team which used to participate in and around Pune during various Debate Competitions.

    • SSC Sri Vidya Mandira High School Karanataka State

      2001 - 2002
      10th Standard General Studies

    • Great Lakes Institute of Management

      2015 - 2016
      Post Graduate in Business Analysis & Business Intelligence Business Analyst, Business Intelligence

    • Savitribai Phule Pune University

      2007 - 2010
      Bachelor of Business Administration - BBA Financial Management First Class

      Activities and Societies: Business Plan team, Quiz Competitions, Role Play Team, Case Study Team

    • Savitribai Phule Pune University

      2010 - 2012
      M.B.A Financial Management

      Activities and Societies: I was an active member of the Placement Committee and also the Cultural Department Head of the College. I did participate in a lot of Cultural Events where the main focus was on Real Life Business Scenarios, Case Study Competitions, Quiz where I won a lot of prizes while representing the college. I was Adjudged 3rd in the National Case Study Competition and won 1st Prize in creating a Business Plan amongst 120 Colleges in Pune.

  • Experience

    • RSPN. & Co

      Jan 2010 - Jul 2010
      Internal Auditor

      Tenure in months : 6 monthsJob Responsibilities : Performing assigned tasks in an independent and self-directed fashion. Completing assigned tasks in a timely, thorough, accurate and well-documented manner. Submitting all completed work papers to the Director of Internal Audit for final review and approval.Getting Acquainted with the premises, employees responsible for work, and the location of records early in the audit. Requesting any files that may be needed. Returning all files / records to the person or area they were obtained from. Show less

    • CRISIL Limited

      Jun 2011 - Aug 2011
      Summer Intern

      My association with CRISIL was as a Summer Intern. Job responsibilities included forecast the demand for due diligence in the insurance and housing finance segment.

    • Sammaan Capital Limited

      May 2012 - Aug 2013

      Appraisal of Employed Home Loans, Sanctioning and Disbursement of home loan proposals. I was also responsible for a Channel's End to End Process. It was also to ensure the Security Created is collected in time and also to keep accounts from being delinquent. Approval authority of Rs. 25.00 Lac My job responsibility includes underwriting of loan applications in order to lend money to them as per the norms and policies of the company. It also includes builder relations and ensure timely payments to them.

      • Branch Credit Manager

        Mar 2013 - Aug 2013

      • Management Trainee - Credit

        May 2012 - Mar 2013

    • HDFC Limited

      Aug 2013 - Jul 2016
      Credit Analyst

      Credit Appraisal of Employed Home Loan Applications, Disbursement, Charge Creation and Discharge and overseeing the Legal and Valuation aspects of Retail Lending.

    • YES BANK

      Aug 2016 - Sept 2019
      Manager - Risk Management

      Undertaking Retail lending of Home Loans and Loan against Property for Chennai Region. I was Location Head - Credit for Affordable Housing Loans during my tenure with Yes Bank. Built a portfolio from Scratch to Rs. 60.00 Cr during my tenure with the Bank.

    • Axis Bank

      Sept 2019 - Aug 2021
      Senior Manager - Loans

      Currently holding the position as a Senior Manager - Loans where I am Responsible for Underwriting Portfolio of Retail Mortgages which include Home Loans, Loan Against Property and Affordable Housing Loans. Also involved with the portfolio of Personal Loans and Auto Loans. Approval Authority of Rs. 75.00 Lac for Home Loans, Affordable Housing Loans and Loan Against Property.

    • Fedbank Financial Services Ltd - Fedfina

      Aug 2021 - Feb 2023
      Area Credit Manager

    • Bajaj Finserv

      Feb 2023 - now
      Lead - Risk

      I am a team member in Risk Function at Bajaj Finserv handling Policy Making and Portfolio Control Metrics for Secured Business Loans product including Micro LAP, Prime LAP and LRD.

  • Licenses & Certifications

    • Reading Financial Statements

      Corporate Finance Institute® (CFI)
      May 2020
      View certificate certificate

    • KYC & AML

      Riskpro India
      Jul 2015

    • Excel Crash Course

      Corporate Finance Institute® (CFI)
      May 2020
      View certificate certificate

    • Certificate in Credit Skills for Bankers - SME

      Moody's Analytics
      Sept 2018

    • Fundamentals of Credit

      Corporate Finance Institute® (CFI)
      May 2020
      View certificate certificate