Santhosh.D Santhosh.D

To succeed in an environment of growth and excellence which provides job satisfaction and self-development and help me to achieve professional as well as organization goals.

Risk Management and Credit Control - MUTHOOT FINANCE - Regional Office Salem, Tamil Nadu

(2025-09)

• Conducted pre- and post-loan disbursement verifications, including field visits and document validation.
• Monitored RCU agency performance and ensured compliance with verification standards.
• Applied effective sampling techniques to detect and prevent loan application fraud.
• Led field investigations and supported fraud detection and internal investigations
• Conducted business process reviews to ensure policy compliance.
• Generated MIS reports, ensured data accuracy, and analyzed fraud trends for strategic updates.
• Participated in ongoing training and stayed updated on industry regulations and fraud prevention best practices.

Credit Officer - BANDHAN BANK - Trichy, Tamil Nadu

(2023-09 - 2025-08)

• Analyzed credit application and assessed the credit worthiness of clients.
• Managed credit risk by monitoring and reviewing loan portfolios.
• Developed and maintained relationship with clients to ensure timely repayments.
• Prepared reports on credit analysis and presented finding to senior management

Master of Commerce - Bishop Heber College (2021 - 2023)

Bachelor of Commerce - Sri mad Andavan Arts and Science College (2018 - 2021)