Looking for a job

Sanjay B r

@sanjaybr

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Branch Credit Manager at BlackBuck underwriting commercial vehicle loans and verifying customer eligibility.

India

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What I'm looking for

I’m seeking an opportunity where I can contribute my knowledge, ability, and skills to an organization while continuing to develop myself and meet the organization’s requirements.

At ZINKA LOGISTICS SOLUTIONS LIMITED (BlackBuck), I handle underwriting for commercial vehicle loans across three Bangalore branches. I verify customer KYC and business documents, assess CIBIL and banking information, and recommend cases through the Credit Portal.

Previously, at PROTIUM FINANCE, I handled pan-India underwriting for business loans and loans against property. I reviewed GST and ITR income documents and conducted video-based business verification.

At FORTUNE INTEGRATED ASSETS FINANCE LIMITED, I handled credit processes across Karnataka for commercial vehicles, including KYC checks, customer visits, disbursements, and daily MIS reporting. Earlier roles at HDB FINANCIAL SERVICES LTD and FAMILY CREDIT LIMITED covered branch credit and operations, while at AEGIS BPO PVT LTD I sold health insurance over outbound calls.

Experience

Work history, roles, and key accomplishments

Current

Branch Credit Manager

Current

Zinka Logistics Solutions Limited

Nov 2023 - Present (2 years 11 months)

Handling underwriting of commercial vehicles and verification of customer KYC for three branches in Bangalore. Recommending cases through the credit portal and conducting video physical inspections.

Credit Underwriting KYC Verification Credit Portal Video Physical Inspection Loan Sanctioning Collections Follow Ups

Credit Analyst

Protium Finance

Jul 2022 - Oct 2023 (1 year 3 months)

Handled pan India underwriting of business loans and loan against property, verifying customer KYC and recommending cases through CRM. Conducted video physical details and calculated GST returns for customers.

Credit Analysis Underwriting KYC Verification CRM GST Calculations Video Physical Details Loan Processing

Assistant Manager (Area Credit Manager)

Fortune Integrated Assets Finance Limited

Apr 2016 - May 2022 (6 years 1 month)

Managed the credit team for Pan Karnataka, handling KYC checks, loan approvals, and data rectification. Oversaw disbursements, MIS reporting, and customer physical verifications.

Credit Management KYC Verification Loan Approval MIS Reporting Disbursements Customer Verification

Branch Credit Executive

HDB Financial Services Ltd

Oct 2015 - Apr 2016 (6 months)

Handled branch credit and operations in Bangalore, preparing CAM and DM reports for loan customers. Managed cash department, loan file checks, and customer physical verifications.

Credit Operations CAM DM Reports Loan Processing Cash Management MIS Reporting

Credit and Operations Executive

Family Credit Limited

Feb 2013 - Sep 2015 (2 years 7 months)

Handled credit and operations for used and new vehicle loans, including KYC checks, file processing, and coordination with credit manager and risk head. Prepared MIS reports and verified valuation reports.

Credit Operations Loan Processing KYC Verification MIS Reporting Vehicle Loans Valuation Reports

Tele Sales Executive

Aegis BPO Pvt Ltd

Jun 2011 - May 2012 (11 months)

Worked in a BPO as a tele sales executive in a domestic outbound voice process, explaining health insurance plans and selling policies over the phone.

Telesales Outbound Calling Insurance Sales Communication Skills