Chand Basha S

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.

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.

Master of Business Administration in MBA

Bachelor of Computer Applications in BCA