Objective :
To Excel in the Areas of sales, Credit and make positive contribution to overall objective of organization.
Strengths :
1. Exceptional attention to detail
2. Prior experience in Agri mortgage loans, vehicle loans, unsecured loans, self help group loans.
3. Extensive experience in lending to small and marginal farmers and small help groups, tractor loans.
4. Able to monitor portfolio for trends and warning signs
5. Knowledgeable in vendor management
6. Good at delivering high level of customer satisfaction
7. Able to aptly apply sound judgments to varying issues
8. Able to meet deadlines
9. Can work under pressure and with little or no supervision
10. Experience in credit administration and loan approval procedures
Experience Current job :
Area Credit Manager for PL-Credit, India bulls IVL Finance Ltd – Hyderabad from June 18th 2018 to till date.
Senior Credit Manager, sept -2010 to 13th June 2018.
Retail Agri Credit, HDFC Bank, Hyderabad
Responsibilities :
** Responsible for Credit Approvals, Controls & Credit Processes for Retail Agri Loans of Hyderabad.
** File Decisioning as per KGC, Tractor Product Programme within the defined TAT as per Policy.
** Worked with different plat forms like Fin one, Flexcube, Lassersoft, LOS, TOS, IDEA etc.
** Portfolio Quality Management, to ensure lower delinquency ratio while maintaining Business Flexibility, Compliance of Policies.
** Organized Training sessions to Credit Officers, RM’s, Sales Officers, every month regarding any changes in Product, Process & Policies.
** Empanelment of Vendors such as CPA, CPV & Legal Vendor at different Locations.
** Providing time to time Trainings to Vendors regarding changes in Policies if any or any Software Updating.
** Processing of Vendor Bills & Ensuring Vendor quality in terms of process and policy.
** To interact closely with other functions such as Sales / Operations / Collections / Policy etc in ensuring smooth day to day functioning at location.
Since March’2017 – Leading SLI –Team & product in Telangana region :
** Reporting 7 credit officers to me who handle SLI product in Telangana region
** Proficient in Branch Advances, Sales & Credit Administration involving Credit Appraisals,
** Risk Analysis, Verification of Documents, Business Development, Client Servicing and Team Management
Achievements :
** Silver Star award for Fraud prevalent in year 2012 ,2016 & 2018.
** Received Best Credit Manager (portfolio) Award in south -1 for year 2015-16.
** Was Promoted as Manager from Deputy Manager in oct ‘2014.
** Was Promoted as Field officer from Management Trainee in year 2006.
** Was promoted as Portfolio Manager from Field officer in year 2007.
** Bangkok tour for achieving sales target in year 2007.
** Rewarded company shares for best service.
Relationship Manager, 2007 -2010 Kotak Mahindra Bank, Nellore :
Responsibilities :
** Worked as an Assistant Manager in Tractor Loans Dept for Nellore Branch.
** Maintain regular visits with the dealers and the executives for continuous support in giving leads.
** Identifying the customer through proper field investigation, performing documentation process collecting the necessary K Y C docs from the customers.
** Maintenance of Post & Pre Disbursement Documents.
** Operations Process and Rendering services to the Customers.
** Achieving individual Agri-budget, total direct Agri-target of the branch, fee income budget and reduction in NPA.
** Was Awarded as best performer in the Tractor loan department
** Planned and implemented new initiative to bring buyers into the market
** Maintained a very low delinquency portfolio compared to other regions in the State.
** Took part in launching and modifying the Tractor loans policy.
Field officer/Portfolio manager 2005-2007 Mahindra Finance, Nellore :
Responsibilities :
** Looking after business in MAHINDRA SHOWROOMS of all products in Nellore.
** Facilitation finance to Mahindra products like tractor loans, auto loans.
** Maintaining very good relationship with both customers and marketing executives for reputation in business.
** Maintaining good relationship with Dealers for business promotion.
** Maintaining a business volume of 20vehicles per month individually.
** Dealing with 0-2 bucket customers for recovery.
** Planned and implemented new initiative to bring buyers into the market
** Maintained a very low delinquency portfolio compared to other Branches.
Academic Profile :
** Master of Business Administration under Dr.B.R.Ambedkar Open University in 2007.
Specilisation in Finance.
** M.Com under Nagarjuna University in 2002.
** B.Com under Nagarjuna University in 1999.
Technical Purview :
** Post Graduate diploma in computer Application
** Type writing English Higher
** Tally, wings software’s in Accounting
** Advance Excel.
Personal information :
Civil Status : Married.
Date of Birth : June 12, 1979.
Hobbies : Watching Movies, visiting temples, walking.
Date :
Place :