Prabhu Lal

Senior Credit and Risk Management professional with 15+ years of experience in Housing Finance, Banking, NBFC operations, credit underwriting, portfolio risk management, audit compliance, and branch operations. Proven expertise in secured lending products including Home Loans, Loan Against Property (LAP), Business Loans (BL), Enterprise Business Loans (EBL), Personal Loans (PL) Experienced in managing multi-location credit teams, ensuring policy compliance, maintaining portfolio quality, and driving operational excellence across branches and regions.

Head Credit – Karnataka at Aptus Value Housing Finance India Limited (2025-07 – Present)

Products handled: HL and LAP.

• Lead regional credit and risk management operations across Karnataka.
• Ensure implementation of corporate credit policies and underwriting standards.
• Manage a network of around 38 Business Centre Managers (BCMs).
• Review pre-disbursement documentation and KYC compliance.
• Conduct PD and CPV activities for LAP and Business Loan cases.
• Monitor portfolio quality and customer CIBIL profiles.
• Drive audit readiness and maintain risk controls.
• Coordinate training programs for sales and credit teams.
• Support recruitment and manpower planning activities.

Area Credit Manager at Unico Housing Finance (2024-07 – 2025-07)

Products handled: HL and LAP.

• Managed credit operations across Trichy, Thanjavur, Kumbakonam, Pudukkottai, Perambalur, and Bengaluru regions.
• Ensured adherence to credit policies and risk parameters.
• Performed customer profiling, PD, and CPV activities.
• Controlled audit quality and portfolio performance.
• Facilitated training and development initiatives for field teams.
• Participated in credit resource hiring and team expansion.

Branch Credit Manager at Cholamandalam Investment and Finance Company Ltd (2022-12 – 2024-06)

Products handled: HL and LAP.

• Evaluated secured loan proposals and maintained underwriting quality.
• Managed KYC verification, PD, and CPV processes.
• Monitored credit files and portfolio risk indicators.
• Supported branch audit compliance and yield management.
• Tracked customer credit bureau reports and risk exposure.

Branch Credit Manager at IDFC FIRST Bank (2021-08 – 2022-12)

Products handled: LAP and BL.

• Managed branch credit operations and underwriting activities.
• Conducted customer due diligence and documentation review.
• Handled credit assessment for secured lending products.
• Maintained portfolio quality and compliance standards.
• Supported branch audit and risk mitigation activities.

Credit Relationship Manager at HDB Financial Services Ltd (2016-08 – 2021-07)

• Processed LAP, EBL, BL, PL Business Loan and Personal Loan applications.
• Conducted PD and CPV verification processes.
• Ensured compliance with internal policies and risk frameworks.
• Monitored portfolio performance and customer credit history.
• Supported branch audit and operational controls.

Credit Officer at Karvy Financial Services Ltd (2013-12 – 2016-08)

Products handled: LAP and EBL.

• Managed credit appraisal for LAP and EBL.
• Proposal sent to Credit Manager.
• Performed documentation scrutiny and loan authorization activities.
• Maintained branch MIS reports and operational records.
• Coordinated with sales team and senior management teams.
• Ensured smooth branch operations and process adherence.

Branch Head at Manappuram Finance Ltd. (2011-02 – 2013-12)

Handled the products are Gold loan, Fixed deposit, Money transfer

• Managed branch operations and customer servicing activities.
• Cash management and follow up NPA customer.
• Supervised a team of six employees.
• Controlled vault operations and banking transactions.
• Managed overdue collections and customer follow-ups.
• Handled deposits, insurance products, and NCD business.
• Money transfer abroad.
• Maintained statutory records and daily reporting systems.

Master of Science in Computer Science – Bishop Heber College (2010)

Bachelor of Computer Applications in BCA – MIET College, Bharathidasan University (2007)