1. M.SARITHA
CURRICULUM VITAE
CAREER OBJECTIVES
A position that involves the application of my management skills to make contribution towards the
growth of the organization and to open up my career for future learning and to be resourceful, To work
creatively and to my fullest potential in an open and thought provoking environment.
SUMMARY OF SKILL & EXPERIENCE
 Working with India’s Leading Finance Institution, which stands out as a pioneering
success story in Micro finance Industry
 Around 9 years Still of experience in Credit Approval, credit Initiation, Credit
Collection , Business Development Manager and Branch Head (Home Loan,
Mortgage Loan, (LAP), Group Loan, & Personal Loan )
 Skilled leader with the ability to develop teamwork and achieve superior results
 Resourceful, goal oriented, possess strong organizational, communication and
analytical skills with ability to work under pressure and multi task in a fast paced
environment.

PROFESSIONAL EXPERIENCE
V. JANALAKSHMI FINANCIAL SERVICES LTD
Designation:- Area Manager – 17th
Aug 2015
Work Profile:-
• Area manager is responsible as the first line supervisor of the field staff working in his/her
area to deliver good business results.
• While he directly involves in activities such as GVR and Confirmatory meeting, he will need
to monitor and supervise the CREM, CRES and CREC by fixing their business targets for the
week, understand the weekly plan of each of the staff and see if the planned activities of each
will produce the business results expected.
• He will also personally be present on the field to see if timing, process and other quality
parameters are adopted by the staff in ensuring customer service. He will take in customer
complaints and try to ensure that customers issues are resolved by action from his/her end
or by escalating issues to seniors.
 Sourcing Related
 Check whether the sourcing team is at the planned place doing the activity as per
weekly plan by random visits preplanned

2. M.SARITHA
 If any cancellations are there, guide the CREM/CRE-S towards an alternate schedule and
note down the changes to the weekly plan. Report the changes to the Branch Head(BH),
if any.
 Review the output of each team at the end of the day and record it in the weekly output
report
 Do a random verification of the files submitted to back office team at least 2 times a
week.as there is a mandatory file check expected from AH.
 See all deferred files and question the CREM/CRE-S for all discrepancies and warn them
not to repeat the same
 If there is any major observations/ non adherence to the process by field staff or a
reduced output for any reason, the same should be brought to notice of Branch Head on
a daily basis.
 Ensure smooth enrollment at branch for new customers by effective co-ordination with
back office team/ CRE-S
 Attend confirmation meeting as per the schedule prepared by BH
 Check whether all the documentation executed by CRES and customer are correct
 Conduct disbursement meeting for the batch as a final confirmation of the acceptability
of customers for disbursement and whether the essentials terms like repayment date,
time, venue and amount is known to them.
 Ensure date of repayment and time is as per time gaps available as per dl matrix
generated for current month and there is no overlapping of dates and is in alignment
with areawise collection plan
 Collections Related
 Download the demand list from SFDC and check the total number of accounts for each
CREC for collection on a day to day basis. Ensure feasibility.
 Review branch summary in coordination with other AHs and BH.
 Prepare daily collection plan for each CREC and review it before handing over to CREC
 Daily summary of number of accounts, amount to be collected, number of centres,
should be generated from SFDC for performance monitoring
 Monitor collections on daily basis CRE-C wise and update in the summary sheet and
ensures that the same confirms to the SFDC outputs
 Guide CRE-C’s on any problem associated with no attendance /non payment etc.
including offering to be personally present at the collection centre having non paying
groups.
 Monitor daily remittance by CRE-Cs and ensure tallying with SFDC updates and cash
book.
 Submit a report on collection performance to BH on daily basis by having a meeting at
the end of each day
 Make at least 1-2 field visits to ensure collection meetings are conducted as per
agenda/script and record observations in the weekly plan
 At the end of the collection cycle, chalks out a combined strategy along with other AHs
and BH to plan for OD collections using a team approach
 AHs to prepare team wise OD collection list and distribute the list team wise by allotting
OD accounts to each team date wise for follow up.
 Visit some customers along with the team selecting a mix of tough customers (to soften
them up) and marginal customers to motivate them on prompt repayment.
 AHs to monitor team wise OD collection datewise performance .

3. M.SARITHA
 Weekly Meetings
• Conduct weekly Area Review Meeting to take stock of the weeks deliverables and to plan
for the next week
• Record minutes and action plan arising out of review of performance indicators and share it
with BH
• Personally prepare the weekly plan for the team for the next week in line with the
performance benchmarks for each staff and budget given for the area team
• Discuss the process quality issues and customer issues personally noted on the field and
work out a plan for improvement
• Ensure that weekly random checking of files was completed and discuss the observations, if
any, by having a joint meeting of the AHs after the weekly meetings
 Monthly Review
• Present and review monthly performance of the area on select business parameters as per
MIS received from HO.
• Assist the BH in conducting the monthly review meeting
• Prepare monthly leave plan for AH team and get it approved from BH
IV.VIJAYA HOME FINANC & DHEERAN FINCNCE SALEM
Designation:- Branch Head cum Senior Credit Manager (DSA BASIS)
(Loans:- Personal Loans, Home Loans & Mortgage Loan , )
Period of Employment :- Sep 2014 to 14th
Aug 2015
Major Business works :-
• Managing the chit fund administration and plan to open new branches
• Allocate and achieve the Branches targets and collect the competitor details
• To drive the team for new business and maintain the chit auction turn over
• Coordinate with the BDM’s & Agents for new chit groups
• Monitoring the business Profit Goal and Reduce the TAT
• Frequently Visit the branch and monitoring and training the employees
• Credit Decision – Take product lending decision based on sound judgments
• Design the Credit Policy and Portfolio quality management
• Conducting personal discussion with client , credit managers at business places to
judge business stability and operating activity and Manage credit quality and control

4. M.SARITHA
delinquencies frauds and Managing all Credit Activities and encourage the Credit
and business
• Ensure Credit visit and training for all branches and Handle the staffs for regular
collections, defaulters, documents and take the feedback on daily basis
III. INDIA INFOLINE FINANCE
Designation:- Business Development Manager cum Credit
(Home loan, Mortgage Loan (LAP) and Gold Loan)
Period of employment:- Jan’2013 to Aug’2013
Major Business Works:-
• Sourcing New Customer, Maintain the relationship and build customers Book Size
• Sourcing / Business Development – New Acquisitions
To maintain existing customer base and maximize Book size
Maintain Healthy and Profitable Book Size and Training and enabling the branch team
Preparation of MIS+CAM and Ensure completion of credit/KYC documents
CREDIT VERIFICATION :- (Home Loan, Mortgage Loan & Gold Loan)
• Telephonic, Direct Verification and field & collateral visits
Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).
Meet the SLAs/ TAT.
• Followed Vendors and Legal feedback
• CIBIL verification and Cross check with customers
Manger Credit quality and control delinquency frauds
• Manage Cost of Credit Administration , Conducting Personal decision with client
• Training the sales manager on the product/policies/processes, ensuring the accuracy of data entered
in the system manage the team of credit officers, Credit Admin and off roll staff. To ensure that the
product/policies/ processes/procedures is followed in the location/city.
Dept is coordinating with: Distributions, Credit, Operation, Accounts and Bank
II - UJJIVAN FINANCIAL SERVICES PVT. LTD
Designation: Credit Officer & Customer Relationship Manager
Period of employment: Sep’2008 to Nov’2012
Total No. of Experience: 4 years 2 months
Work profile:
Credit information Bureau (CIBIL)
• To bear out the customer credit history in Credit information bureau (CIBIL) & Highmark.
• Ensure the fiscal history prior to sanctioning loan throughout CIBIL Check.

5. M.SARITHA
• Ensure the Loan reimbursement skill of the client through CIBIL wrapping up result.
Implementation of credit policy norms.
• Ensure that the Product program is properly followed , Incorporate credit inputs into the
product program relating to south region Credit training, To compile credit inputs for
training modules , To involve and conduct credit training /delinquency modules for Field
staffs and Credit staffs.
Monitoring credit collection and Supervision.
• Act as interface between the field, operations, MIS personnel and any other similar requirements
from time to time.
Credit Risk management.
• Identification of credit risk, operational risk and Environmental risk.
• To measure and quantify expected and unexpected losses. Capture of data based on
feedback from the field for analysis and course correction. Risk control measure (Risk
mitigates)
• Identification of cases of rescheduling and write off. Classification of assets as
standard/substandard/doubtful and loss assets as per RBI norms and allocate provisions
accordingly for RBI returns
Collection Management:-
• To streamline the collection methodologies in compliance with the Ujjivan’s Policy guidelines. To
identify the early warning signals and aid the branches in managing efficient loan portfolio.
• To assist branches in identifying and eliminating technical dues and to ensure the optimal portfolio
quality. Special Focus on new (1-30 days) accounts evaluating the cases of genuine and non genuine
repayment turbulences and initiate appropriate course of action for recovery.
• Clearance of technical OD’s as and when branch revert on the draft reports. FCOs to co-ordinate as
well. Individual analyst will be assigned 14-21 branches.
Monitoring Write off /Legal action/ Rescheduling cases:-
• Sending company notice and legal notice to default customers, tracking and follow up on its status as
well as its trend.
• Visiting branches in lieu of overdue collections, abscond customer visit (accounts > 60 days), Re-
scheduling and write-off.
• Monthly updates on collection status for company/legal notice/write off case issued accounts.
Designation: - BRANCH MANAGER Working period: - June’2009 to Oct’2011
Work Profile:- * Responsible for overall business of the branch
* Selling, servicing & collecting from 5000-7000 customers, poor women.

6. M.SARITHA
* Leading a team of field staff of nine.
* Managing the branch & field operations of the branch which requires strong
process management as per field operations manual.
Dept is coordinating with: Distributions, Service Quality, Operation, Accounts and Finance.
I- TAMILNADU WOMENS DEVELOPMENT OFFICE
Designation: - System Management (cum) Junior Accountant (temp)
Period of employment: Aug’2005 to Sep ‘2008
Total No. of Experience: 3 years 1 month
Work Profile:
• Co-ordinate with the PO’s, APO’s, NGOs, Block co-coordinators’ and collect the SHG customer’s
data’s and audit the documents and maintained the systems.
• Monthly Generate the EX-Generation Accounts data’s and submit to Head office for auditing
purpose
• Co- ordinate with Quarterly Internal auditor’s
REFERENCE DETAILS:-
(1) Mr. Suresh Andiyappan – Product Sales Manager (RBL Bank )Trichy ,
Cell - 9943039289
(2) Mr. Senthilkumaran –Credit Manager (IIFL, Salem) Coimbatore,
Cell -8056555744
PERSONAL INFORMATION
NAME: M. SARITHA
HUSBAND NAME: C. ANNADURAI
DOB: 6th
June 1981
SEX: FEMALE

7. M.SARITHA
MARITAL STATUS: MARRIED
NATIONALITY: INDIAN
OUALIFICATION :
Education Institutes Name Year of passing % percentage
MCOM (CA) Vivekananda arts and science
college , Tiruchengode
Regular -2007 72 %
BCOM Annamalai University ,
Chidambaram,
Correspondence
-2003
55 %
XII Meenakshi Higher Secondary
School, Tirupattur, Vlr-Dt.
Regular
1998
73%
X TMS Higher Seconday School,
Tirupattur, Vlr-Dt
Regular
1996
50%
EXTRA QUALIFICATION: ADCA(Advance Diploma Computer Application ) - * A grade
TYPEWRITTING (ENGLIGH /TAMIL)
LANGUAGE KNOWN: ENGLISH (Speak &Write), TAMIL (Speak &Write),
TELUGU (Speak), KANADA (Speak)
Mobile: 08883683950 & 7823993416
E-MAIL ID: duraisaritha@gmail.com
PERMANENT ADDRESS: 124/36D, Mariyamman Koil Street,
Opp. – Sowdeswariamman Koil,
Ponnamapet, Salem -636 001.
Place: - Salem Yours Truly
Date: -
(M. SARITHA)