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