Handling 3 branches Bangalore Urban and Rural, Hosur. Handled 5 branches Davangere, Haveri, Shimoga, Kadur and Tiptur. Lead 5 branch credit managers and performance management of team members, including coaching, recognition, disciplinary action and performance evaluations.Conduct regular meetings (individual and group) with cluster team members to establish goals, review performance and provide organized communicationsManage and monitor the team to process of loan applications to personal discussion with customer visiting Business & Collateral visits and close the file with in TAT as per DOA.Sanctioning and recommend specific loan proposals as per delegation of authority.Responsible for monitoring, maintaining good loan portfolio in the branches for business as per company policy. Underwriting loan and following all necessary process and policy for the same.Framing Guidelines for fraud control and checking segmentation of cases and briefing risk about dangerous segment of sourcing.Manage credit quality and control delinquencies.Assist in formulating & implementing Risk Control & Credit Management processes and strategies.Conduct audit and monitor branches cash management & books.Manage allocated NPA and Overdue portfolios.Monthly and weekly monitoring and reporting of the overdue positions, recovery.Interacting with BMs and CBM from risk and loss control perspective.Timely preparation of reports and information for Regional Credit Head and Zonal Credit Head.

?Underwriting of Medium & Small Enterprise loan, Business Loan, Home Loans while analyzing overall risk & exposures of customers, risk assessment, mitigates etc. ?Ensure completion of Property & KYC documents Verification?Assessing the need of clients and charting out variable credit limits after considering financial and technical aspects?Personal discussion with customer at business and residence, trade reference check.?Verifying all the loan proposals and related documents and ensuring various parameters for sanctioning of loan as per company requirement?Conduction fraud checks involving reference check etc?Obtaining and checking complete documentation and ensuring completion of formalities as per the pre and post disbursement requirements of loan proposals?CIBIL initiation and verification with the bankers about credit enquiries?Undertaking nonstarters feedback update to Senior management on identified risks, analyzing risks, monitoring the risks arising by funding of certain profiles ?Handling the risk and Working closely with collection to make corrections in the system to stop the future occurrence of it?Processing and ensuring completion of the processing activities and disbursement of loans are within TAT?Weekly branch audit, monitoring books keeping and daily cash management.?Legal and Valuation vendor management and handling channel partners.?Timely preparation of reports and information for Cluster Credit Manager and Regional Credit Head.

Sale of Two Wheelers finance at assigned dealership. Responsible for ensuring those prospective buyers have a positive buying experience by providing them with accurate product information and excellent customer service.Customer personal interaction, handle a high volume of customer enquiries whilst providing high quality service to each enquiry, credit of each case as per defined company policy and norms.Communicate with senior management for customers to drive Sales & credit issues.Daily reporting to ASM. Co-ordination between dealers and credit department.Support dealers in building new client through old calls and direct sales, effectively handled and converted customer enquiry from help desk of branches.File processing by coordinator within the time, Customer Calling, Query resolving, File login at iCAS, keeping a check on TAT for Login application process.Checking Fixed Obligation Income Ratio (FOIR), eligibility and given document Preparation of Credit Appraisal Memo (CAM), mitigate for L3, L4, and L5 deviation cases and underwrite each case.Interacting with customer after approval of loan for Post sanction documents, like cheques and some general documents/Loan agreement.Providing end to end process to customer with in TAT, from login to disburse controlling login rejection, maintain quality parameters and file flow trackers.Collection of RC copy and resolution of FEMI if any occurs due to different reasons.Updating the latest change in policy and maintaining the records.