Yes Ji Aar

Working Experience with Finance Leaders over all 20 + years in Credit Risk Management, Accounting, and Auditing. I have a proven track record of managing both small and large loan portfolios (LAP, Business Loans, Personal Loans, and Vehicle Finance) for top NBFCs like Chola, HDB, and Mahindra Finance. I specialize in team management, loan underwriting, and credit risk evaluation as per Company Policies.

My focus is on maintaining branch profitability, ensuring high collection efficiency, and following all regulatory rules. I have successfully managed Credit Operations across several key areas in Tamil Nadu, including Madurai, Sivakasi, Karaikudi, and Tirunelveli areas.

Area Credit & Operations Manager, Grade–Assistant General Manager (MG4) - Cholamandalam Investment and Finance Company Limited

(2018-12 - 2026-08)

• Exercised delegated authority for Loan Against Property (LAP) up to ₹2 Crores. Authorized credit approvals up to ₹1 Crore under "360 Empowerment" guidelines.
• Evaluated and approved loan proposals across various Branch Credit Managers (BCMs) and recommended high-value proposals to higher authorities. Conducted rigorous on-site Personal Discussions (PD) exceeding BCM empowerment limits to assess cash flow, business viability, financial ratios, and promoter credibility.
• Monitored branches to ensure completion of awareness calls for customers in their first 24 months. Visited delinquent accounts to prevent "non-starters" and maintained early-default rates within company parameters. Co-ordinating with the Collection vertical and done the Joint visit case by case for Case study, as well as timely collection. Follow up with the branch for Post-Disbursement Documents (PDD) with in the time Fram.
• Streamlined Turnaround Time (TAT) by synchronizing RCU, technical, and legal workflows. Conducted daily briefings with Credit and Sales teams to resolve branch-level issues and provided ongoing training on credit policy updates to ensure smooth business relationships. and collaborated periodically with internal and empanelled legal and technical teams to update policies.

Branch Credit Manager - HDB FINANCIAL SERVICES LTD

(2015-01 - 2018-11)

• Manage the end-to-end loan lifecycle for LAP, Business Loans, Personal Loans, and Auto Loans (New/Used). Oversee document verification, KYC compliance, and tele-verification prior to system login.
• Coordinate specialized workflows by initiating RCU document sampling, Field Investigation (FI) for address verification, and managing external vendors for timely Legal and Technical reports on secured assets.
• Conduct on-site business and residential visits to evaluate business nature, cash flow, banking behavior, and financial stability. Assess promoter credibility, loan end-use, and technical/legal aspects of collateral to ensure sound underwriting.
• Prepare comprehensive Credit Appraisal Memos (CAM). Exercise delegated authority to approve cases within limits and prepare detailed pitches for high-value proposals requiring higher-level sanctions.
• Drive portfolio health by performing awareness calls for first-installment customers. Proactively manage "non-starters," technical bounces, and delinquent accounts through monthly visits to maintain 100% collection efficiency.
• Deliver daily case-status, PDD, and collection trackers to the branch team. Synchronize Sales and Credit functions to achieve branch targets while maintaining strict Turnaround Time (TAT) benchmarks.

Branch Accounts Manager - MAHINDRA & MAHINDRA FINANCIAL SERVICE LTD

(2011-10 - 2014-12)

• Managed real-time gold/silver rate calculations and maintained accurate stock records. Oversee the end-to-end sales procedure, including detailed calculations of wastage (V.A.) and making charges for jewelry items.
• Executed monthly and quarterly TDS returns, including the issuance of TDS Certificates. Managed ESI & EPF calculations and handled the e-filing of VAT returns in compliance with tax regulations.
• Maintained the General Ledger using Tally, ensuring the accuracy of the Day Book, Bank Book, and Trial Balance. Prepared Final Accounts and monthly Fund Flow Statements for corporate review.
• Conducted monthly Bank Reconciliation Statements (BRS) and meticulously maintained Debtors and Creditors ledgers to ensure healthy cash flow.
• Utilized Java-based billing software for high-volume transactions and provided daily reports to the Corporate Office regarding branch performance.
• Facilitated telephonic discussions with customers and dealers, assisting in design selection and resolving billing or account inquiries to drive business growth.

Branch Accountant - HASSANI GROUP OF COMPANIES - Dubai, UAE

(2009-03 - 2011-05)

• Managed end-to-end accounting operations using cloud-based software, ensuring accurate day-to-day transaction posting, Day Book maintenance, and Trial Balance integrity.
• Prepared Final Accounts (P&L and Balance Sheet) and developed the Annual Budget to track and control expenditure.
• Monitored fund flow, managed petty cash, and performed monthly Bank Reconciliation Statements (BRS) to ensure liquidity and accuracy.
• Streamlined supplier payments and proactively managed customer collections, ensuring the accuracy of Creditors and Debtors ledgers.
• Prepared statutory payments and collaborated with Internal Auditors to provide documentation for final audit finalisation and financial closure.
• Executed the monthly Payroll process and performed inter-group transaction reconciliations to ensure balance across multiple entities.

Branch Accountant - KHAZANA JEWELLERY PVT LTD

(2004-03 - 2009-02)

• Managed real-time bullion rate calculations and maintained accurate stock records for high-value inventory. Oversaw the end-to-end sales procedure, including the calculation of Wastage (V.A.) and Making Charges.
• Executed monthly and quarterly TDS returns, issued TDS certificates, and handled e-filing for VAT returns. Managed monthly ESI & EPF calculations in compliance with labor laws.
• Maintained the General Ledger using Tally, ensuring the accuracy of the Day Book, Bank Book, and Trial Balance. Prepared Final Accounts and monthly Fund Flow statements for corporate review.
• Managed Debtors and Creditors ledgers and performed monthly Bank Reconciliation Statements (BRS) to ensure zero discrepancy in branch accounts.
• Utilized Java-based billing software for daily transactions and assisted customers and dealers with product inquiries and design selection.
• Prepared and submitted comprehensive financial reports to the Corporate Office, ensuring transparency in branch performance and statutory adherence.

Accounts Assistant - BEE PEE Packaging (100% EOU) - Rajapalayam

(2001-06 - 2004-02)

• Played a key role in finalising Statutory, Interim, and Revenue Audits. Prepared comprehensive schedules and financial statements to ensure smooth audit closure.
• Managed Central Excise activities and documentation specifically required for EOU status. Handled Sales Tax filings and ensured compliance with industrial regulatory norms.
• Maintained the General Ledger, including day-to-day transaction posting, and prepared accounts for periodic internal reviews.
• Streamlined the Accounts Payable (Payments) and Accounts Receivable (Collections) processes to maintain healthy working capital.
• Assisted in maintaining records related to the 100% Export Oriented Unit status, ensuring all financial data aligned with export-import regulations.

MBA - Finance - Alagappa University, Karaikudi

Post Graduate Diploma in Computer Application (PGDCA) - Rajapalayam Rajus’ College, Rajapalayam

Bachelor of Commerce (B.Com) - Rajapalayam Rajus’ College, Rajapalayam

Higher Secondary (12th Standard) - NAAM Higher Secondary School, Rajapalayam

SSLC (10th Standard) - P.A.C.M.

Higher Secondary

School, Rajapalayam