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.
