Manoj M.
AVP-Credit || Cluster Credit Manager at Satya Micro Housing Finance || Lending || MSME || Housing || Fintech || Risk Management || PGDM-ITS- Institute of Management Gr.Noida
- Role
- Cluster Manager Credit at SATYA Micro Housing Finance Private Ltd
- Location
- Lucknow, UP, IN
- LinkedIn followers
- 500 followers
About Manoj M.
Seasoned credit understanding and portfolio management in mortgage loans (home loan,school finance, business loan, Msme and Lap product) Responsible for developing & implementing credit policies and strategies ensuring long-term sustainability of the portfolio for the Lucknow location in 2 branches Alambagh and Gomti Nagar.• Defining criteria & appraisal methodology to assess credit worthiness of the client• Accountable for deciding the variables that mitigate the risk across various categories• Developed credit score card for our customer base • Reviewing & Advising changes to policies and procedures • Liaising with Operations & Distributions and resolving operational impediments, Maintaining TAT.• Recruitment & Training of staff for better understanding of credit system• Experience in areas of research• Developing appraisal system and collection mechanism for small ticket size working capital & individual loan and of housing loan.
Experience
Cluster Manager Credit
SATYA Micro Housing Finance Private Ltd
Jul 2023 — Present · Lucknow, IN
Credit underwriting of HL and LAP product for Lucknow cluster.
Education
I.T.S- Institute of Management Gr.Noida
Master of Business Administration - MBA, Business Administration and Management, General
2009 — 2011
Dr. R.M.L.A.U. Faizabad
BBA, Management; 2009; Marketing,
2006 — 2009
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