 Responsible for quality credit underwriting for home loans and loan against property by analyzing all kinds of borrower profiles and understanding credit worthiness of customer in terms of all parameter.  Managing team of 12 Branch credit managers from the regional office and visiting the branch location (Tirupur, Salem, Erode, Namakkal, Trichy and Madurai) at regular interval to understand the risk and approvals.  Managing the credit operations function by ensuring that the process are in line with the credit policies, procedures and ensuring TAT in the region level.  Ensure optimum productivity by imparting continuous training and keeping team motivated and active participation in developing and implementing credit strategy specific to region.  Working closely with CCRO and ZBH sales on approval related risk and issues  Analysis and resolution of delinquency, working closely with sales team.  Vendor management, including quality monitoring, coordination with legal and technical processing vendors and training of vendors and vendors staff on process and policies  Upholding corporate policies and procedures, certifying completeness and accuracy of all documentation as required by the management and respective statuses.  Drive constant improvement in the quality of service provided to business partner and customers.

**Responsible for Complete Branch operations of Salem(HL &LAP)-Sales,Disbursal,Collections,CRM**Generating Sales through various channels such as marketing campaigns,Connectors,Construction community partners etc.**Developing retail and builder business in Salem zone.**Training sales team members on product policies and to achieve the target.**Underwriting the sourced files by Sales team and recommending to Head Office for approval.**Control over collections and NPA rate of the branch**Planning unique campaigns and marketing strategy for the branch

**Generating Sales (HL&LAP) for branch through various channels like DSA,Builder tie ups and Marketing campaigns.**Do Credit evaluation for sourced files and recommended to Head office for Approval.**Take care of collections of the portfolio.**Generating Retail/Lap business from Coimbatore and Tiruppur market from non-income proof segment.

Cluster Manager at Talent Quest for India*(Non Profit Org. Club)Exp: Training team on Enhancing skill sets/ social initiatives who in turn would train school students from 8th to 12th Grade. Was responsible for 3 districts in TN.Received Best District Award for my region from "POLARIS" in the Annual Conference meet

1) *Team Lead at Enactus*(Business Club of SRM) Handled a team of 8 people.Motive: Converting Self Sustainable social ideas into Business Modules.Project Designed: *"Panchakavya"* Production of Organic Manure for farming with the help of a set of farmers in a particular area. The Profit of the output was given to the farmers. Participated in All India Conference held at Delhi on July 2015 and presented the project in front of Business Groups.