BHANU SATYA SAI REDDY
Rajahmundry
Summary
Secured/Unsecured Loans having 8+ Years experience in underwriting & portfolio control .
Quality Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Regional Credit Manager - Unsecured Business Loans
Clix Capital
10.2023 - Current
- Currently taking care across Andhra Pradesh with 3 Credit managers reporting and Locations -> Visakhapatnam ,Rajahmundry/Kakinada,Vijayawada,Guntur
- Streamlined credit approval processes for faster decision-making and increased customer satisfaction
- Reduced bad debt losses with rigorous monitoring of delinquent accounts and timely collection actions
- Enhanced team productivity, providing ongoing training and guidance to credit analysts and support staff
- Collaborated with sales teams to balance risk and revenue growth, aligning credit policies with business objectives
Area Credit Manager - Secured/Unsecured Loans
CHOLAMANDALAM FINANCE
07.2022 - 10.2023
- Approval Authority of 20 lakhs for Unsecured BL & Group Exposures of 50 Lakhs
- Handling 6 branches - Rajahmundry, Kakinada, Tadepalligudem, Jangareddigudem, Bhimavaram, Tuni
Branch Credit Manager
CAN FIN HOMES LTD
02.2021 - 07.2022
- Underwriting of Home loans and Mortgage Loans
- Handling Internal Audit/RBI audits clearance - 100%
- Outstanding Branch performance for 2 Quarters
- Average Monthly Business - 4 Crore, approval ratio - 60%
Branch Credit Manager
ADITYA BIRLA CAPITAL
12.2019 - 11.2020
- Unsecured Business Loans, Professional Loans, Personal Loans, Secured LAP (up to 1 Crore)
Branch Credit Manager
Kapital Tech (UPF)
02.2018 - 11.2019
- Business Loans (10 lakhs to 75 Lakhs)
Branch Credit Manager
FULLERTON INDIA HOME FINANCE
05.2017 - 01.2018
- Home Loans, Mortgage Loans - Rajahmundry/Kakinada
Central Underwriter
AXIS BANK LTD
09.2015 - 11.2016
- Rural Lending: Central Underwriter
Education
MBA distance - Banking Management
ISBM
12.2015
Post-graduation diploma - Banking And Financial Support Services
Manipal university
08.2015
Bachelor of Technology - Electronics and Communication Engineering
Sri Vasavi Engineering College
05.2012
Intermediate - undefined
Board of Intermediate Education
08.2008
SSC - undefined
Gowthami High School
06.2006
Skills
- Underwriting
- Portfolio quality analysis
- Lending activities analysis
- Regulatory compliance
- Market analysis
Certification
- KYC AML (by IIBF)
- Certified in NISM VA series-Mutual funds
- Certified in NISM VI - Depository Services
- Retail Assets (by Manipal University)
- JAIIB
Languages
English
Telugu
Hindi
Siblings
Younger Brother, Business, Hyderabad
Personal Information
Date of Birth: 05/30/91
Hobbies and Interests
Playing Cricket
Spouse
Bhagya Lakshmi Devi K, Government Salaried
Timeline
Regional Credit Manager - Unsecured Business Loans
Clix Capital
10.2023 - Current
Area Credit Manager - Secured/Unsecured Loans
CHOLAMANDALAM FINANCE
07.2022 - 10.2023
Branch Credit Manager
CAN FIN HOMES LTD
02.2021 - 07.2022
Branch Credit Manager
ADITYA BIRLA CAPITAL
12.2019 - 11.2020
Branch Credit Manager
Kapital Tech (UPF)
02.2018 - 11.2019
Branch Credit Manager
FULLERTON INDIA HOME FINANCE
05.2017 - 01.2018
Central Underwriter
AXIS BANK LTD
09.2015 - 11.2016
Post-graduation diploma - Banking And Financial Support Services
Manipal university
Bachelor of Technology - Electronics and Communication Engineering
Sri Vasavi Engineering College
Intermediate - undefined
Board of Intermediate Education
SSC - undefined
Gowthami High School
MBA distance - Banking Management
ISBM
Similar Profiles
ASIF SHAIKHASIF SHAIKH
Senior Sales Manager - Business Loans at Clix Capital (Formerly GE Capital)Senior Sales Manager - Business Loans at Clix Capital (Formerly GE Capital)
Hemang SharmaHemang Sharma
Assistant Product Manager at Clix Capital Services Pvt LtdAssistant Product Manager at Clix Capital Services Pvt Ltd
Krishna Kumar RKrishna Kumar R
Area Credit Manager at Clix Capital Pvt LtdArea Credit Manager at Clix Capital Pvt Ltd