Santosh K
Area Credit Manager at Svatantra Micro Housing Finance Company
Hire this person
Send a job offer directly to this candidate
About
A qualified professional offering extensive experience with reputed NBFC in financial service across business development, customer services, training & development and relationship building.
Experience
Assistant Manager - Mini Muthoottu - Mysore
(2011-06 - 2015-02)
Relationship Executive - Fed Bank Financial services Ltd - Mysore
(2015-08 - 2016-12)
Credit Process Analysis (CPA) - Cholamandalam Investment And Finance Company Pvt Ltd - Mysore
(2017-01 - 2019-03)
Branch Credit Head (BCH) - Fed Bank Financial services Ltd - Mysore
(2019-04 - 2025-10)
Area Credit Manager (ACH) - Svatantra Micro Housing Finance Company
(2025-10)
- Responsible for faster credit appraisals and maintain good TAT (Turn Around Time)
- Doing TPD & PD and Collateral property visit.
- Verify the legal, technical valuation, Fi & RCU documents related to disbursement are processed within TATs.
- Checking KYC, and other documents related to sanction & recommend.
- Recommending case on the basis of PD , Financial , Legal & Technical report as per policy.
- Preparing CAM and checking Eligibility on the basis of Financial and technical reports.
- Providing proper training to Direct & Indirect channels about policy changes.
- Optimizing quality of portfolio through implementing effective fraud and credit control policies.
- Credit Metrics of Affordable MSE LAP Loan (Mortgage Loan, Home Loan, Purchase Loan, BT - Top Up).
- Strong application system knowledge.
- Sending Credit MIS reports, on a daily basis to Credit & Ops.
Education
Master of Business Administration - MBA - University of Madras (2010 - 2012)
Bachelor of Commerce - B.com - Mysore University (2004 - 2007)
P.U.C - Board of Pre-University (2002 - 2004)
10th Standard - Karnataka Secondary Education Board (2002)
