Summary
Overview
Work History
Education
Skills
Certification
Languages
Siblings
Personal Information
Hobbies and Interests
Spouse
Timeline
Generic

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

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