Muthukumar Iyer

Currently working as a Credit Manager, handling AHL and MBL products up to 25 lakhs. Responsible for credit underwriting of SENP and Salaried Profiles, managing 16-18 PDs monthly. Oversee MBL operations for three branches, from file PD to disbursement and post-disbursement clearances.

Performed comprehensive underwriting for various loan products including Unsecured Business Loan, Secured Business Loan, LAP Commercial and Residential, LAP – LIP, and Personal Loans. Conducted both physical and telephonic PDs, and managed manual and system CAM presentations using Fintech LOS or Finnone banking software.

Managed credit underwriting for a diverse portfolio including Mortgage Loan, Two Wheeler Loan, GEL, GEL Hypothecation Loan, and Commercial Vehicle Loan using BRMFO & Finnone systems. Conducted branch supervision, monthly oversights, center meetings, and collection visits across rural villages in Gujarat to ensure collection targets and address problematic customers.

Served as an Auditor, responsible for handling branch audits in Delhi and surrounding areas. Ensured compliance with financial regulations and internal policies.

Worked as an Internal Audit Executive, conducting internal audits, analysis, and risk & rating assessments for units across Rajasthan, Uttrakhand, New Delhi, and Uttar Pradesh. Provided solutions to improve each unit’s performance.

Managed the accounts, taxation, and finance operations for both New Tech (Partnership Firm) and E-Square Engineering (Proprietary concern). Ensured accurate financial record-keeping and compliance with tax regulations.

Served as an Accounts Officer, responsible for daily entries of purchase, sales, cash, and bank transactions. Managed debtors, performed debtors and bank reconciliations, and utilized INTEGRA, SAP, and TALLY 9 software for billing and accounting.

Assisted in auditing client firms and managing accounting tasks for NENN. Responsible for E-TDS Return Filing work for various client firms.

Worked as a Faculty member, teaching MS-CIT and Tally courses. Provided both practical and theoretical instruction to students on office automation and accounting software.

Completed a Master of Commerce degree through private study. Focused on advanced topics in commerce and business.

Obtained a Post Graduate Diploma in Financial Management. Gained specialized knowledge in financial principles and practices.

Completed a Post Graduate Diploma in Business Management. Developed skills in various aspects of business administration.

Earned a Bachelor of Commerce degree. Studied fundamental concepts in commerce, accounting, and business.

Completed Higher Secondary School Certificate. Focused on general studies as per the Maharashtra Board curriculum.

Achieved Secondary School Certificate from Saraswati Vidayalaya. Completed foundational education as per the Maharashtra Board.