Experience

• 

  City union bank ltd.

  Oct 2010 - Feb 2012

  Marketing assistant

  • To open Savings/Current/Fixed Deposit Accounts.• Cross selling all the banking products to the customers.• Responsible for marketing bank products by conducting Mela and giving pamphlets. • Handled Private Ltd companies/Trust’s/Private Colleges & Schools for bulk account opening.• Assisted New Branches and ATM’s opening process in various areas.

• 

  The muthoot group

  Mar 2012 - Jan 2014

  Assistant manager

  • Responsible for maintaining the branch for effective service to the customer.• Handled giving gold loans after appraising the gold for proper genuine. • First person to responsible for effective funds management.• Handling internal accounts, Bank reconciliation process and ledger management.• Responsible for proper follow-ups to customers for interest collection.• Responsible for protection of the Gold and Cash by handling the keys and monitoring CCTV.

• 

  Gruh finance ltd.

  Sept 2014 - Aug 2016

  Credit officer

  • Sanctioning Home loans in Rural & Urban areas for Construction / Purchase / Renovation.• Handled builder’s projects, for giving loans for buying flats and villas.• Managed mortgage loans like loan against property from urban areas.• Engaged with Personal Discussion for credit assessing of a customer before login.• Right from login to disbursement, managed the entire credit process.• To co-ordinate with Legal & Technical team, for timely processing the files.• Managed post disbursement documents and partly disbursed cases.• Accounting of various transactions related to Housing Finance Customers.• Conducted Field Visit for all the loans before and after disbursements such as Technical visit to property, Employment verification visit, Business verification visit.• Handled Accounts activities such as Petty Cash Management, Expenses Accounting,• Head Office – Branch Reconciliation, Bank Reconciliation. • Responsible for handling Post-dated & Undated cheques and periotic ECS clearing.• Managed recovery follow-up’s and recovery visit’s for liable customers. Show less

• 

  Icici bank

  Aug 2016 - Dec 2017

  Branch credit manager

  • Handling secured and unsecured loans.• Secured loans like priority Sector loans such as Farmer Finance (Agri Mortgage), Short Term Loans Kisan Credit Cards (STL KCC) and Corporate Guarantee Loans.• Unsecured loans like Self Help Groups (SHG).• Manage the entire credit application process, right from login to disbursement.• Suspected document will be sampled & Credit visited to avoid frauds.• Preparing Credit Appraisal Memo & fitment of cases for various products.• Sanction requisite approvals for disbursement and perform disbursement activities.• To manage post disbursement documents and partly disbursed cases.• Monitor portfolio quality by constantly discussing with business & DSMG teams.• To co-ordinate with Legal, Technical, Field Investigation and Risk Containment Unit departments and agency for processing the files.• Maintaining Management Information System (MIS) for SHG Product for Coimbatore Region.• Responsible for delivering sanction letter and disbursement with in Turnaround time.• Co-ordinate with all Rural Inclusive Banking Group (RIBG) branches for improving business.• Validate technical valuation, legal report & online Encumbrance Certificate in case of mortgage loan. Show less

• 

  Rbl bank

  Dec 2017 - Jul 2018

  Credit manager

  • Handling secured loans such as LAP.• Looking after the entire credit application process, from login to disbursement.• Used to take Personal/Commercial CIBILs & validating all the KYC’s and docs for all the files.• Managed locations such as Coimbatore, Erode and Salem• Conducting the Personal Discussion (PD) visits to all these locations for LAP & Business Loan.• Suspected documents & bills will be sampled and Credit visit to be done.• Preparing Credit Appraisal Memo & getting mail approval for LAP.• Interacting with Legal, Technical team, and Fraud Containment Unit department for processing the files.• Validating Technical valuation reports & Title search reports.• Responsible for delivering sanction letter and initiating the disbursement process in Operations Team by providing all the supporting documents. Show less

• 

  L&t financial services

  Jul 2018 - Aug 2019

  Area credit manager

  Responsibilities Handling:Handling secured loans such as HL & LAP in Chennai Location.Responsible for complete APF (Approved Project Funding) HL, handling in digital platform,Managed to create APF Master Data for many builders in & around Chennai,Providing APF approval letters for builders,From login to disbursement, providing solution for multiple errors which appears in digital platform,Doing manual loan eligibility calculation for cases which struck in digital platform,Doing disbursement process, like fresh & subsequent tranches for all APF cases,Co-ordinating with Legal, Technical & RCU team for, on-time & smooth process,Managing PDD collections for all fresh & old cases,Providing data on debtors who are falls in single bucket (0 – 30 days),Co-ordinating with Lawyers for BT (Balance Transfer) closure, MODTD and Original doc’s collection,Maintaining digital platform PDD MIS for Chennai location,Managing PD’s for cases where 1 Cr & above, Show less

• 

  Hdfc limited

  Sept 2019 - now

  Assistant manager
• 

  Hdfc bank

  Jul 2023 - now

  Manager - retail assets - home loans