Saranya M

To work in a challenging environment and to compete with all the world-class companies where I can develop my technical and interpersonal skills for the benefit of my company and myself.

Customer Service Executive - Muthoot Fincorp

(2025-07)

• Conducted detailed credit appraisal and risk assessment for retail SME loan Portfolios
• Implemented credit scoring models to reduce NPAs and improve portfolio quality
• Monitored delinquency trends and designed early warning systems for high-risk accounts
• Ensured compliance with RBI guidelines, KYC norms, and internal audit standards
• Managed end-to-end disbursement and repayment processes with accuracy and efficiency
• Achieved monthly loan disbursement targets by building strong customer relationships
• Educated clients on financial products (gold loans, Business loans, vehicle finance, etc.)
• Increased customer retention through personalized service and grievance resolution
• Prepared MIS reports for management on loan performance, collections, profitability
• Analyzed market trends to identify new product opportunities in microfinance and consumer lending
• Supported strategic decision-making with data-driven insights
• Implemented digital lending platforms and mobile apps for faster customer onboarding
• Leveraged data analytics for customer profiling and cross-selling opportunities
• Supported fintech collaborations to expand NBFC's digital footprint

Typing work - Victoria Typing Centre

(2023-01 - 2024-12)

B.A - Alagappa University

12TH - Govt Hr Sec School

10TH - Govt Hr Sec School