Bookkeeper

• Apr 2022 - Present

Credit Manager

• Mar 2018 - Dec 2021

• Responsible for handling small corporate loans (Advances) and retail customer lending. Advances up to 500 Million INR (Approx. 7 Million USD) to various established and up-coming Small-Scale Industries. Advances up to 100 Million INR (Approx. USD 1 Million and USD 400K) to the retail sector like Housing Loans, Educational loans, Vehicle Loans, etc.• Lead the team of 4 for the collection of financial statements from borrowers on timely basis.• Analysed the balance sheet, Profit and Loss Statements, Income Tax Returns and other financial statements of the customers and checking the viability of the business and lending appropriately.• Appraising, auditing (internal and external), renewing, refinancing of loans and coordinating with discretionary authority and the customers.• Rendered exceptional customer experience, including by telephone contact, leading to reduction in Non-Performing Asset (NPA) from 15million INR (Approx. USD 205K) to 10million INR (Approx. USD 137K). This assisted our branch to be among the top 10 with a smaller number of Non-Performing Asset accounts.• Analysed the NPA of the branch and handled interest collection.• Monthly monitoring of branch business and striving to achieve and surpass the targets for the year.• Achieved the targets for the financial year and contributed to the growth in the volume of the business in branch. Show less

Credit Officer

• Sep 2014 - Mar 2018

• Worked in the general banking sector and was involved in processing retail advances.• Assisted the auditors on behalf of the branch in the Internal Audit and Statutory Audits.• Surpassed the monthly targets of new Current and Savings Accounts and Fixed Deposits.• Helped source new accounts and increased the volume of business in general banking.• Advances to Self Help Group groups that contributed to Women Empowerment.• Lent loans to auto rickshaw drivers and daily wages coolies that contributed to the development of the economically weaker section.• Had good rapport with the customers that helped in bringing new customers to the branch.• Received an award from a non-profit organization for best customer service.• Coordinated a team of 6 to provide the best service and TAT for customers.• Attended trainings to gain more insight in advances and lending. Show less

Assistant Manager

• Jan 2014 - Aug 2014

• Was involved in a 140million INR loan process to Nokia Industry, Sriperumpudur plant. • Had sourced a deposit for 20million INR from Tamil Nadu Police Department. • Had come up with new ideas to source business to stay on top of the ladder. • Was involved in a 140million INR loan process to Nokia Industry, Sriperumpudur plant. • Had sourced a deposit for 20million INR from Tamil Nadu Police Department. • Had come up with new ideas to source business to stay on top of the ladder.