Chand Basha S
Credit Head | Credit Operations | Branch Operations
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About
Credit and Operations professional with 2.5 years of expertise at Manappuram Finance Ltd., specializing in credit-related approvals, loan processing, comprehensive credit assessment, branch operations, documentation, customer risk verification, and operational compliance. Accomplished in managing day-to-day branch activities, evaluating complex credit proposals, mitigating financial risks, and ensuring strict adherence to organizational policies and regulatory frameworks. Holds a Master of Business Administration (MBA) paired with a Bachelor of Computer Applications (BCA), blending rigorous financial administration proficiency with strong technical data analysis and reporting frameworks.
Experience
Credit Head at Manappuram Finance Ltd. (Present)
- Manage day-to-day branch operations to secure seamless, highly productive, and structured branch functioning.
- Authorize and execute credit-related approvals strictly aligned with company policy parameters and underlying credit guidelines.
- Critically review loan applications, consumer backgrounds, complex financial data, KYC documents, and supporting credentials.
- Evaluate borrower creditworthiness and proactively isolate underwriting discrepancies and potential risks prior to approval windows.
- Streamline end-to-end loan lifecycles from preliminary application screening straight through to final transactional disbursement.
- Enforce zero-tolerance compliance protocols regarding internal audit policies, operational control parameters, and regulatory KYC updates.
- Collaborate closely across branch teams and centralized departments to rapidly isolate and resolve structural credit hurdles.
- Produce and present actionable credit metrics, structural operational balances, and comprehensive MIS reporting streams to management.
- Direct collections and portfolio recovery groups by tracking down and providing accurate consumer credit profiles and context.
- Mentor, train, and guide on-floor junior staff members on strict portfolio credit evaluations and branch administration compliance standards.
Education
Master of Business Administration in MBA
Bachelor of Computer Applications in BCA
