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Senior Finance Manager with 10+ years in Loan Against Property & Housing Loan Industry
Credit Manager with 14+ years of experience in Loan Against Property and Housing Loan Industry. Expertise in credit analysis, risk assessment and loan underwriting, with a strong track record in portfolio management, policy compliance and recovery enhancement. Skilled in conducting personal discussions to assess creditworthiness. Building strong cross-functional relationships and delivering results in high-pressure decision-driven environments.
Indian Institute of Banking & Finance, Mumbai
Diploma in Home Loan Advising & Counselling · Home Loan
March 1, 2013 – March 1, 2013
Dhanalakshmi Srinivasan Engineering College, Trichy, Anna University – Chennai
MBA · Finance & Marketing
June 1, 2008 – June 1, 2008
St Gregorius College, Kottarakkara, Kollam, Kerala University
Bachelor of Commerce · Taxation
June 1, 2006 – June 1, 2006
Yes Bank Ltd
Senior Credit Manager
December 1, 2023 – Present
Thiruvananthapuram, Kerala, India
PNB Housing Finance Ltd
Senior Manager - Credit
October 1, 2016 – December 1, 2023
Thiruvananthapuram, Kerala, India
Magma Housing Finance Ltd
Manager - Credit
September 1, 2015 – September 1, 2016
Thiruvananthapuram, Kerala, India
Dewan Housing Finance Corporation Ltd
Assistant Manager - Credit
October 1, 2013 – August 1, 2015
Thiruvananthapuram, Kerala, India
Repco Home Finance Ltd
Assistant Manager
June 1, 2009 – October 1, 2013
Kollam, Kerala, India
Training on Underwriting Skills - Prime LAP and Housing loans
Pro Edge - In associated with Yes Bank , Mumbai
June 1, 2026 – Present
Financial Statement Analysis
Crisil, Bangalore
June 1, 2026 – Present
Cultural Fit Analysis
The candidate's career trajectory across several reputable financial institutions (Yes Bank, PNB Housing Finance, Magma Housing Finance, Dewan Housing Finance, Repco Home Finance) indicates adaptability and a broad understanding of different organizational cultures within the finance sector. Their MBA in Finance & Marketing, coupled with a Diploma in Home Loan Advising & Counselling, shows a commitment to continuous learning and professional development. The consistent progression in credit roles and the explicit mention of being a 'team player' and good in 'team handling and trainings' suggest a collaborative and growth-oriented mindset. The 'Activities and Honors' section, though brief, indicates a balanced lifestyle.
Soft Skills & Operational Fit
The candidate demonstrates strong operational fit through their consistent experience in credit management roles, adherence to TATs, and involvement in documentation and post-disbursement processes. Soft skills such as team player, team handling, and training abilities are explicitly mentioned and supported by experience descriptions like conducting training sessions and maintaining strong interdepartmental relationships. The ability to conduct in-depth external research and gather market feedback indicates strong analytical and investigative skills crucial for risk mitigation.