Santosh K

A qualified professional offering extensive experience with reputed NBFC in financial service across business development, customer services, training & development and relationship building.

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.

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)