Career Objective

To provide my service to an organization in which my skills, capabilities and work experience can be utilized for the growth and revenue generation of the organization. Core Competencies

Exceptional attention to detail

Skilled in financial analysis

Good at delivering high level of customer satisfaction

Able to meet deadlines

Can work under pressure and with little or no supervision

Excellent skills of problem solving

Good knowledge of accounting and finance

Creativity

Good communication skills

Excellent team player

Efficient time management skills

Critical decision-making skills

Motivating the team to walk an extra mile

Experience

Deputy Credit Manager 23/02/2017 – Present

Shriram Housing Finance Ltd, Chennai

Responsibilities

1. Credit appraisal of loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.

2. Under writing cases with desired level of quality and enabling achievement of branch business target by proper training of sales managers.

3. To evaluate proposals of customers for Home Loan/LAP. 4. Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation.

5. Interact with Customers & understand the business and regularly monitor delinquencies. 6. Decision making within defined TAT.

NACHAMMAI MANIVASAGAN

Address :Villa No. 92,Beside Hot n Cool, Al- Hilal, Doha,Qatar Email :ac6gj8@r.postjobfree.com

Contact: :+974-****-****

Facebook URL:https://www.facebook.com/nachu.manivasagan Linked.in URL:https://www.linkedin.com/in/nachammai-manivasagan-1a3237122 7. Carrying out personal discussions with customers requesting loans (HL/LAP) in order to start determination process.

8. Coordinate with branch operation to ensure outsourced reports are received in time. 9. Prepare and disburse loan commitment letters (sanction letter) 10. Was designated as Deputy Manager within few months after joining as MT (best performer in the credit department)

11. Planned and implemented new initiative (road map & catalogue which has been circulated to all branches) to bring more customers into fold.

12. Maintain & track files and ensure a very low delinquency portfolio is maintained. 13. Analyze CIBIL reports & DPDs in the existing loan availed of customers to make better judgment. 14. Analyze reasons given by customer as to whether they are satisfying for DPDs observed. 15. Analyze past loan transactions and identify credit risks associated with it 16. Analyze & interpret SOA of ongoing HL, AL, Personal Loan, etc of the customer. 17. Prepare CAM &proposals for various profiles of customers 18. Reference check of the customers from neighbors, customers, suppliers, market and/or existing customers. 19. Coordinate with team members to finish work in time and work effectively as a team. 20. Training of sales managers & DST in the sourcing of files according to company policy & practices 21. During MT period, did a project on “Impact of Demonetization on Real Estate Sector” – This was very much appreciated by B-School as well as SHFL’s management. Internship

SMERA Rating Limited, Chennai 20/Dec/2016 - 20/Feb/2017 Project Title: - “Performance and Credit Rating of Micro and Small Enterprises” Responsibilities: -

1. Perform credit risk analysis using financial statement analysis, industry analysis and management discussion & analysis

2. Conduct industry research

Part –Time job with Computer Software College Chennai as Tally ERP 9 faculty and administration of branch office for one year 2014-2015

Academic Qualification

Degree/

Diploma

Institute/University Specialization Year of

passing

%Marks/

CGPA

PGDM IFIM Business School, Bangalore Finance 2017 7.95 B.Com(

A&F)

S.S.S Jain college. T Nagar - University

of Madras. Chennai

Accounting &

Finance

2015 80.95%

10+2

CBSE

Central Board of Secondary Education

ArshaVidyaMandir Chennai

Accountancy, Maths,

Economics

2012 79%

10th

IGCSE

International General Certificate of

Secondary Education - University of

Cambridge - Thai Sikh International

School, Bangkok Thailand

Accounting, ICT,

Commerce

2010 75%

*CGPA : Cumulative Grade Point Average= Pointer*10 Computer Proficiency

Proficiency of working with MS Office with good command over finance related applications.

SPSS(Basic)

Tally ERP 9

Extra-Curricular Activities/Co-Curricular Achievements

Awarded first prize for finance quiz in” pepsico”, an inter-collegiate management fest conducted by PESIT College. (Sept/2015)

Participated in finance quiz conducted by XIME, Bangalore. (Oct/2015)

Won a trophy for scoring centum in Financial Management Subject by University of Madras. (Dec/2014)

Certified as Professional Tally Practitioner in Tally-ERP9

Bloomberg Market Concepts (BMC) certificate holder completed in July 2016 with an overall score of 90%.

Active volunteer for kanyathon, a 5k charity run conducted by IFIM B SCHOOL. Personal Details

Date of birth/Age:28-11-1994 – 23 years 6 months

LanguagesKnown: English, Tamil & Hindi

Passport No: G 8940216 (Issued on 18-05-2009& valid up to 18-05-2019) Visa: Sponsorship Required

Declaration

I hereby declare that all the information above is true to the best of my knowledge. Place: Doha

Date : (M. Nachammai)

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