Tamil Arasan

Wish to work in a situation that enables me to utilize and enhance my technical and analytical skills and offers professional growth while being innovative and flexible in achieving my dreams.

Branch Credit Manager at Vistaar Finance Private Limited (2025-01 – Present)

• KYC Verification - Applicant/Co-Applicant
• Initiate FI, RCU, Technical/RPA & Legal Checks and Obtain Technical/Legal Concurrence if required
• Analyze CIBIL/High Mark & Credit History as well as Loan Enquiries
• Conduct TVR, Assess Profile - Business/Employmet, Income, Assets, Repayment Capacity
• During PD Visit - Evaluate Business/Employment, Repayment Capacity, Clarify OD/NPA/WO/DPD/Settlement/Loan Closure Details. Conduct Neighborhood & Trade Reference Checks
• Evaluate case as per IIR/FOIR/LTV/Income Norms and Arrive Eligibility
• Prepare CAM, Underwrite, Recommend/Approve and follow till Disbursement (within TAT)
• Monitor Delinquency - ED & NPA Cases and Support Collections
• Branch MIS Maintenance & Portfolio Management. Follow Policy Updates
• Maintain Minimalized Discrepancies and Revert IAD Audit Queries within TAT

Branch Receivable Manager at Equitas Small Finance Bank Ltd (2024-01 – 2024-12)

• Teamhandling, customer support for loan closure
• Provide Customer Support for Sales Finance & Lending Products
• Manage Cash Collections (Online/Offline) & Coordinate with Team members
• MIS Maintenance: Manage Branch-level MIS - Collection Data
• Maintain collection registers
• ManagedCollection Data/MIS as well as File logins from collection teamside
• Cash& Vault handling

Credit Officer at Equitas Small Finance Bank Ltd (2021-01 – 2023-12)

• Physical Discussion by Tele Verification
• Monitor Delinquency - ED & NPA Cases and support collection

MBA in HRMS – Alagappa University (2022 – 2024)

BE in Mech – Agni college of Technology (2014 – 2018)

HSC – Sri Gnananandhа Matric Higher Secondary School (2013 – 2014)

SSLC – Balamandal Matric Higher Secondary School (2011 – 2012)