Muthurajan Paulpandi

I am an experienced credit manager with over 13 years in microfinance and banking. I have successfully managed loan portfolios, trained teams, and improved loan processes. My expertise lies in credit analysis, risk management, and internal audit. I'm committed to contributing to organizational growth through innovative solutions and effective management strategies

Credit Manager - ARISE INVESTMENTS AND CAPITAL LIMITED - Madurai Region, TamilNadu

(2024-03)

A company involved in microfinance and capital investment

• In Charge for MEL (Micro Enterprises Loan) and Personal Loan for 12 Branches
• Work directly with local management to maximize credit sales
• Monitor files and branches on a daily basis for loan flow
• Train sales and credit staff on new policies
• Follow up on EMIs and overdue loans
• Monitor underwriting process for loan disbursement

Branch Credit Manager - IIFL SAMASTA PVT LTD - Karaikudi, TamilNadu

(2023-10 - 2024-03)

A financial services company specializing in lending

• In Charge for Housing Loans & Loan against Property
• Work directly with local management to maximize credit sales
• Monitor files and branches on a daily basis for loan flow
• Train sales and credit staff on new policies
• Follow up on EMIs and overdue loans
• Conduct underwriting process for loan disbursement

Branch Credit Manager - IDFC First Bharat PVT LTD - Madurai Region, TamilNadu

(2018-12 - 2023-10)

A private sector bank providing various financial services

• In Charge for MEL, Personal Loans, Housing Loans & Loan against Property for 3 Branches
• Work directly with local management to maximize credit sales
• Monitor files and branches on a daily basis for loan flow
• Train sales and credit staff on new policies
• Follow up on EMIs and overdue loans
• Conduct underwriting process for loan disbursement

Branch Credit Manager - SAMASTA MICROFINANCE PVT LTD - Virudhunagar, TamilNadu

(2017-10 - 2018-09)

A microfinance company focusing on small loans

• Check daily collection details of the branch
• Maintain all official records in the branch
• Fully responsible for all transactions and activities in the branch
• Conduct field inspection and verification of customer details
• KYC verification and loan disbursement assistance
• Support the Branch Manager and act as deputy when needed

Branch Manager - SSS Trust (Social Sustained Service Trust) - T. Kallupatti (Madurai), TamilNadu

(2016-05 - 2017-09)

A trust providing financial services for social sustainability

• Check daily collection details of the branch
• Maintain all official records in the branch
• Fully responsible for all transactions and activities
• Prepare daily reports for management
• Follow up on overdue loans

Audit Officer - INDIAN ASSOCIATION FOR SAVINGS AND CREDIT (IASC) - Virudhunagar, TamilNadu

(2014-06 - 2016-03)

An association focused on promoting savings and credit services

• Audit officer in Microfinance
• Responsible for all transactions at the branch
• Conduct field inspection and verification of customer details
• Support the Branch Manager during field work and auditing
• Perform KYC Verification and loan appraisal

Internal Audit Executive - S.M.I.L.E. Micro Finance Limited - Madurai, TamilNadu

(2010-09 - 2013-05)

A company providing microfinance services

• Worked as an Internal Audit Executive in Microfinance
• Checked cash books and conducted physical cash verification
• Reviewed monthly bank and inter-branch reconciliations
• Trained new joiners of the department
• Ensured compliance with audit timelines and standards

Analyst - TVS LOGISTICS SERVICES. PVT. LTD - Chennai

(2010-01 - 2010-07)

A logistics services company

• Trained new joiners of the department
• Ensured systems were updated with client information
• Participated in special data projects related to system merging
• Conducted data matching between systems accurately

Bachelor's Degree - Computer Applications (BCA) - Kalasalingam University (2006-08 - 2009-06)