Siddlingesh Adaviswamimath

About Siddlingesh Adaviswamimath

1)Directs and coordinates the various activities from login to disbursements. Authoring and initiating based on legal and technical reports of Ops & credit 2) Involved in using tools CRIF, Experian CIBIL checking Fraud deduction KYC and transaction monitoring 3) Customer credit inquiries, approving credit/financing terms, and collecting delinquent documents 4) Monitoring analysis of Customer Details and company normsAnalysis of Credit & risk management. 5) Responsible for processing customer credit inquiries, and eligibility of loan 6) Recommending income eligibility of customer for higher sanction authorities 7) KYC analysis, Fraud deduction of transaction 8) Ensure CERSAI search is done and report to be kept on record 9) Initiation of vendor reports i.e, legal opinion report, valuation report, and contact point verification report 10) After Submission, coordinate with applicants/builders /DSAs/DSTs for additional documents/ information’s/ clarification required during the loan processing11) Responsible for resolution of queries raised by maker/checker/sanctioning authority Underwrite Two-Wheeler loans up to Rs.2.75 Lakhs and recommend to National Credit Manager wherever necessary 12) Requires regular interaction with Regional Business Teams and other departments 13) Proven business acumen in understanding financial requirements and analysing the credit / risk involved in compliance with the rules laid down by various governing bodies and RBI. Established credibility in spearheading development of process with key focus on bottom line profitability by ensuring optimal utilization of resources within set parameters and operational analysis. 15) To interact with Customers, Agencies and vendors to understand the requirement as well as to monitor delinquencies / infants’ decision making within defined TAT. 16)Analysing early mortality of loan decision so as to implement corrective actions for further decision making. 17) Providing proper training to business enhancement units and vendors regarding credit requirement. 18) Determined and documented underwriting conditions, credit risks, mitigating factors and communicating requirements and / or decisions 19) Maintain up to date knowledge of the product, performance in the geography and industry trends 20) Work in close co-ordination with Sales, Product and IT team and should be a solution provider to all stakeholders regarding the product 21) Should be custodian of all MIS to track sanction process anddrive TAT across organization.

Experience

1. Assistant Credit Manager

   Ujjivan Small Finance Bank

   Mar 2024 — Present

   vehicle department credit manager

Education

• KLEs G.H.College Haveri

  Bachelor of Commerce - BCom