Darvy Jose

About Darvy Jose

A seasoned Credit Risk professional with over 11 years of extensive experience in Credit Underwriting, Credit Sanctioning, and Credit Operations Management, offering a robust track record of delivering high-quality credit assessments, ensuring strong compliance standards, and driving business performance through prudent credit practices.Possessing strong analytical acumen and exceptional organizational abilities, I have consistently contributed to risk management frameworks by formulating and implementing efficient operational and credit policies. My experience spans both secured and unsecured lending portfolios, with hands-on expertise in assessing creditworthiness, evaluating financial and non-financial parameters, and making well-informed sanction decisions aligned with company policy and regulatory guidelines.Throughout my career, I have played a key role in risk identification, mitigation planning, and portfolio monitoring—ensuring optimal asset quality. I am proficient in preparing detailed credit memos and risk reports, recommending approvals or deviations based on thorough due diligence and CPV validations.My expertise extends to managing centralized credit operations, ensuring TAT adherence, maintaining hygiene parameters (FTR, NIL ED, and PDD), and supporting audit preparedness to achieve high grades. I have consistently ensured seamless interdepartmental coordination, particularly with sales, collections, legal, and compliance teams, to ensure full-cycle credit operations excellence.A proven team leader and mentor, I have effectively led and trained junior credit analysts and branch credit managers, facilitating knowledge sharing and continuous process improvements across geographies. I also regularly support cluster-level reporting and performance analysis, playing a pivotal role in aligning local branch strategies with corporate credit risk goals.I have worked closely with frontline teams to educate customers, improve NACH clearance rates, reduce delinquencies, and maintain healthy credit discipline. By combining credit policy adherence with a customer-centric approach, I have supported robust business growth while safeguarding asset quality.Driven by a commitment to operational excellence and integrity in lending, I continuously upgrade my knowledge on evolving credit norms, market dynamics, and regulatory frameworks. I aspire to contribute strategically to an organization’s credit function by delivering scalable, risk-calibrated solutions that support sustainable lending and long-term profitability.

Experience

1. Chief Manager- Credit

   IDFC FIRST Bharat Ltd

   Aug 2023 — Present · Kottayam, IN

Education

• Bangalore University

  Master's degree

  2012 — 2014

• Mahatma Gandhi University

  Bachelor of Commerce (B.Com.)

  2009 — 2012

Skills

• Team Building
• Management
• Problem Solving
• Microsoft Office
• Public Speaking
• Leadership
• Vendor Management
• Teamwork
• Team Management
• Microsoft Excel
• Powerpoint
• Communication
• Microsoft Powerpoint
• Microsoft Word