Midhun K

Analytical Finance Professional with 4+ years of experience as Credit Manager skilled in Credit Appraisals, Risk Management, Banking, Credit Control, and Credit Management.

Adherence to defined Policy and Processes with minimum errors and increasing efficiency of underwriting by reducing reworks and increasing FTR.
Following up with business counterparts and other stake holders for pending cases
FTNR reduction so as to ensure both credit TAT and business team TAT is met.
Using different scoring models /tools as rolled by senior management to differentiate
between customer segments while underwriting.
To check data entry quality is intact and minimal error rate at all Data entry shops.
Contribute to vendor oversight on regular intervals to keep a close watch on quality
and make them understand new bank policies and changes in process.
To ensure Approval Rate /Credit and Pending Reasons/Rejection Reason to be
monitored on real time basis at a location level.
Ensures error free first time transaction which help to reduce TAT and with zero
process laps.
Oversee the entire aspects of Control MIS on a daily/weekly/monthly basis.
Coordinate the preparation and publication of monthly/quarterly/yearly dashboards and error trends.
Supports strategic planning activities by providing financial analysis and strategies.
Provide cost-saving estimations by applying a comprehensive mindset.
Work across a peer group of Product managers to understand the respective roadmaps.
Share best practices across peers and drive process improvement initiative.
Analyse, identify and communicate trends and issues impacting the business on an
ongoing basis and make recommendation.

Analytical Finance Professional with 4+ years of experience as Credit Manager skilled in Credit Appraisals, Risk Management, Banking, Credit Control, and Credit Management.

Adherence to defined Policy and Processes with minimum errors and increasing efficiency of underwriting by reducing reworks and increasing FTR.
Following up with business counterparts and other stake holders for pending cases
FTNR reduction so as to ensure both credit TAT and business team TAT is met.
Using different scoring models /tools as rolled by senior management to differentiate
between customer segments while underwriting.
To check data entry quality is intact and minimal error rate at all Data entry shops.
Contribute to vendor oversight on regular intervals to keep a close watch on quality
and make them understand new bank policies and changes in process.
To ensure Approval Rate /Credit and Pending Reasons/Rejection Reason to be
monitored on real time basis at a location level.
Ensures error free first time transaction which help to reduce TAT and with zero
process laps.
Oversee the entire aspects of Control MIS on a daily/weekly/monthly basis.
Coordinate the preparation and publication of monthly/quarterly/yearly dashboards and error trends.
Supports strategic planning activities by providing financial analysis and strategies.
Provide cost-saving estimations by applying a comprehensive mindset.
Work across a peer group of Product managers to understand the respective roadmaps.
Share best practices across peers and drive process improvement initiative.
Analyse, identify and communicate trends and issues impacting the business on an
ongoing basis and make recommendation.

Completed Graduation - BCOM in 2014