Krishna Kumar R
Area Credit Manager
Coimbatore
Summary
Experienced credit manager with a solid background in financial analysis, credit evaluation, and risk assessment. Proven ability to collaborate effectively and drive financial performance while minimizing risk. Over 10 years of expertise in the financial industry, focusing on team results and adapting to market changes.
Overview
10
10
years of professional experience
5
5
years of post-secondary education
4
4
Languages
Work History
Area Credit Manager
Clix Capital Pvt Ltd
04.2023 - Current
- Assessed income derived for Proprietorships, Pvt Ltd, and Partnerships.
- Managed the credit process for various loan products including Mortgage Loans, BT Top-ups, Freehold, Residential & Commercial Loans, LAP, and Prime Loans across SENP, SEP, and Affordable Segments.
- Worked on income calculations for ITR, Liquid Income Program, Banking Surrogate, Average Bank Balance, and RTR Programs.
- Led business planning, promotion, marketing, and sales aligned with the company’s growth strategy.
- Verified P&L statements against balance sheets for financial accuracy.
- Conducted CIBIL verification for both individual and commercial clients.
- Led business discussions with customers, focusing on income analysis.
- Performed title verification for properties, ensuring 13-year ownership history.
- Conducted property valuations, both market-based and financial.
- Managed approval values up to 1 crore for loans.
- Analyzed market trends related to business customers and products.
- Conducted background checks for customers per company policy and maintained records manually.
- Resolved audit queries and ensured compliance.
- Handled MIS for ROTN and maintained data with reconciliation.
- Managed external vendors, including legal, technical teams, and DSA channels.
- Verified original property documents in accordance with government norms.
- Advised clients on filing ITR for business compliance.
- Conducted audit visits to branches across India (Pan India).
- Demonstrated strong market knowledge in Hyderabad, Madurai, Chennai, Coimbatore, Trichy, Andhra, and Bangalore.
Credit Manager
Protium Finance Pvt Ltd
09.2022 - 03.2023
- Engaged in personal discussions with clients to assess business operations and income streams.
- Analyzed machine operations and income generation potential.
- Tracked commercial CIBIL reports for business insights.
- Applied validity methods to calculate working income.
- Verified ITR for business financial accuracy.
- Assessed individual CIBIL reports across multiple platforms while tracking commercial CIBIL.
- Facilitated the process of purchasing new machines and refinancing options.
- Conducted market research to verify machine details and value.
- Verified Overdraft (OD) and Cash Credit (CC) accounts for business transactions.
- Coordinated machine funding options for proprietorships, private limited companies, and partnerships.
Cluster Credit Manager
Hinduja Housing Finance
09.2018 - 09.2022
- Verified ITR for customers to assess business income and financial standing.
- Mapped RTR loans for Commercial Vehicle Loans, Home Loans, Business Loans, and BT Loans.
Managed loan products including LAP, Refinance, Self-Construction, Take Over, Composite Loans, and Purchases (New & Existing). - Approved loan products up to a value of 35 Lakhs.
Analyzed loan eligibility for amounts up to 75 Lakhs based on customer profiles. - Reviewed CIBIL scores for defaulting customers and analyzed DPDs (Days Past Due).
- Evaluated bank statements to verify customer’s past and current loan history.
- Worked on Average Bank Balance (ABB) assessments for salaried and business customers based on income eligibility.
- Cleared external audit queries from NBFCs to ensure compliance.
- Managed OTD (On-Time Delivery) and PDD (Post-Dated Documents) for Pan India operations.
- Coordinated and filed Arbitration and SARFAESI cases for NPA customers to resolve default issues.
Senior Process Executive
Fidelity National Finance (FNFI)
04.2015 - 11.2017
- Document and full search of Property for Re-Finance & Re- Resale (Certificated Examiner for San Jose County)
- Prepare US residential mortgages for Chicago Title Insurance
- Verification of 4C's experience
- Document verification for Tile Deed to Current owner for Texas & Chicago
- Search for the Foreclosure details in Title Point of the Current Owner
- Research contacts of Current Owner and Previous Owner by using Thomsan Clear Report
- Conduct Full Search & Limited Search of the Property based on customer requirement (Indianan Midwest)
Education
B.Com -
Hindustan College of Arts and Science
Coimbatore, Tamilnadu 01.2009 - 01.2012
MBA - Finance and Marketing
Bharathiyar University
01.2012 - 01.2014
Institutional Training on Tally - ERP9 - undefined
Hindustan College of Arts and Science
Skills
Excellent knowledge in Excel (VLookup, HLookup, Ageing, Pivot Table & Bases Formula
Relationship management
Credit policy development
Cash flow analysis
Portfolio management
Excellent Accounting knowledge P/L, Trail Balance, Balance Sheet
Credit risk assessment
Worked on various tools like Data Trace, Date Tree, Title Point, Nextace, SmartView Online, Pacer, Bankruptcy, NetrOnline
Personal Information
- Date of Birth: 09/10/89
- Nationality: Indian
- Marital Status: Married
Timeline
Area Credit Manager
Clix Capital Pvt Ltd
04.2023 - Current
Credit Manager
Protium Finance Pvt Ltd
09.2022 - 03.2023
Cluster Credit Manager
Hinduja Housing Finance
09.2018 - 09.2022
Senior Process Executive
Fidelity National Finance (FNFI)
04.2015 - 11.2017
MBA - Finance and Marketing
Bharathiyar University
01.2012 - 01.2014
B.Com -
Hindustan College of Arts and Science
01.2009 - 01.2012
Institutional Training on Tally - ERP9 - undefined
Hindustan College of Arts and Science
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