BALA SUBRAHMANYAM A
Rajahmundry
Summary
Results-driven Credit Manager with 6 years of experience in underwriting, creditworthiness assessment, and document review. Known for mitigating risk and optimizing profitability through strict adherence to company policies.
Overview
6
6
years of professional experience
Work History
Branch Credit and Operations Manager
Cholamandalam Investment and Finance company limited
Rajahmundry
2023.06 - Current
- Analyzed income documents and conducted personal discussions with applicants at their residence and business premises to underwrite HL and Lap loans in accordance with policy norms.
- Maintained compliance with credit legal technical norms during the disbursement process
- Conducting training to the sales team about company policies.
Branch Credit Manager
Fincare Small Finance Bank
Rajanagaram
2022.11 - 2023.06
- Underwrote HL and LAP loans, engaged in face-to-face interactions with customers at their business premises and residences after conducting thorough credit history checks.
- Maintained compliance with credit legal technical norms during the disbursement process
- Provided policy training to the sales team.
Credit Officer
Hindusthan Finance
Rajahmundry
2021.07 - 2022.11
- Improved accuracy in underwriting by utilizing in-depth analysis of financial data and conducting personal discussions to ensure accurate assessment of customer's eligibility for MSME LAP loans.
- Conducted property Technical Valuation by gathering local feedback to assess its technical value
- Conducted training sessions to educate sales team on company policies.
Operations Executive
HDFC LTD
Eluru
2018.07 - 2020.07
- Performed extensive assessments which included Cibil verification, analysis of ITRs, and loan monitoring via bank statements. Conducted customer interviews as needed for clarification and prepared customer interview sheet while adhering to company policies.
- Enhanced efficiency by organizing and managing documentation for post-sanction to disbursement process.
- Customer service .
Education
Msc (physics) -
Nagarjuna university
01.2017
Bsc (MPCs) -
School of distance education
01.2015
Intermediate -
Vidya sagar
01.2007
10 class -
Aditya Vidya niketan
01.2005
Skills
- Finance & Banking
- Credit Analysis
- Branch Operations
- Team management
- MS-Office Suite
Disclaimer
I here by declare that the above provided information by me is true and correct to the best of my knowledge.
Languages
Telugu
First Language
English
Proficient (C2)
C2
Hindi
Intermediate (B1)
B1
Personal Information
- Father's Name: Nuka Raju Ampujalapu
- Mother's Name: Durga Bhavani Ampujalapu
- Date of Birth: 10 Jun 1990
- Marital Status: Married
Timeline
Branch Credit and Operations Manager
Cholamandalam Investment and Finance company limited
2023.06 - Current
Branch Credit Manager
Fincare Small Finance Bank
2022.11 - 2023.06
Credit Officer
Hindusthan Finance
2021.07 - 2022.11
Operations Executive
HDFC LTD
2018.07 - 2020.07
Msc (physics) -
Nagarjuna university
Bsc (MPCs) -
School of distance education
Intermediate -
Vidya sagar
10 class -
Aditya Vidya niketan
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