ADITHYA RAMIREDDY
Chennai
Summary
Credit Manager with extensive experience at Barclays Global Service Centre, specializing in credit analysis and risk management. Successfully underwrote proposals up to GBP 10m, utilizing strong decision-making skills to improve credit programs and reduce risks. Skilled in conducting thorough evaluations to support informed financial decisions.
Overview
9
9
years of professional experience
Work History
Credit Manager
Barclays Global Service Centre Pvt Ltd
Chennai
05.2023 - Current
- Executed credit underwriting for proposals between GBP 1m and 10m across multiple loan types.
- Conducted comprehensive credit analysis, including evaluations of credit reports and financial statements.
- Performed bank statement reviews, collateral assessments, and SWOT analyses to identify potential risks.
- Proposed risk mitigants to support informed decision-making processes.
- Assessed limit proposals, outlining strengths and weaknesses for sanctioning authorities.
- Inspected company facilities and engaged with promoters to evaluate overall business health.
- Provided regular recommendations to enhance credit programs and streamline operational guidelines.
Senior Business Credit Analyst
Aditya Birla Finance Ltd
Bangalore
05.2019 - 04.2023
- Conducted credit underwriting for SME group, assessing proposals from INR 5.00 Cr to INR 40 Cr.
- Performed financial analysis and working capital assessments for loan applications.
- Analyzed bank statements, collateral, and conducted business SWOT analysis to evaluate risks.
- Provided mitigants for credit concerns, facilitating informed credit decisions.
- Assessed limits, detailing strengths and weaknesses to sanctioning authorities for approval.
- Inspected company facilities and engaged with promoters to evaluate business health.
- Recommended improvements in credit programs and operating guidelines based on periodic evaluations.
Credit Analyst [Manager Grade]
Kotak Mahindra Bank Ltd
Bangalore
06.2016 - 05.2019
- Executed credit underwriting for emerging corporate groups with proposals ranging from INR 7.5 Cr to INR 80 Cr.
- Conducted comprehensive financial analysis, including CMA analysis and working capital assessment.
- Analyzed bank statements and performed collateral checks to assess financial health.
- Performed business SWOT analysis to identify strengths and potential risks in proposals.
- Recommended mitigants for all identified credit concerns to facilitate informed decision-making.
- Coordinated with monitoring team for periodic stock audits of portfolio assets.
Education
MBA - Banking and Finance
ICFAI Business School
Hyderabad01.2016
B.E/B.Tech - Electronics & Communication Engineering (EEE)
S.C.S.V.M.V university
Tamilnadu01.2012
Skills
- Credit analysis and underwriting
- Risk assessment and management
- SWOT and business evaluation
- Portfolio management
- Decision making
Languages
Telugu
First Language
English
Intermediate (B1)
B1
Tamil
Beginner
A1
Timeline
Credit Manager
Barclays Global Service Centre Pvt Ltd
05.2023 - Current
Senior Business Credit Analyst
Aditya Birla Finance Ltd
05.2019 - 04.2023
Credit Analyst [Manager Grade]
Kotak Mahindra Bank Ltd
06.2016 - 05.2019
MBA - Banking and Finance
ICFAI Business School
B.E/B.Tech - Electronics & Communication Engineering (EEE)
S.C.S.V.M.V university
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