Chakradhar Batchu
Kodad
Summary
Dynamic Area Credit Manager with extensive experience at different NBFC, excelling in risk assessment and portfolio management. Proven track record in enhancing approval ratios and maintaining low delinquency rates. Strong decision-making and team leadership skills drive operational efficiency and compliance with industry standards.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Area Credit Manager
AltumCredo Home Finance
Karimnagar
11.2025 - Current
- Managed credit assessment processes for residential home loan applications to facilitate informed lending decisions.
- Analyzed credit reports to assess borrower eligibility and identify potential risk levels.
- Ensured consistent compliance with industry regulations and internal policies to mitigate risk.
- Completed day-to-day duties accurately and efficiently.
Area Credit Manager
Thoshika Financial Services
Hyderabad
04.2025 - 10.2025
- Portfolio Quality & Risk Control – Monitor approvals, disbursals, and portfolio performance in your area, ensuring low delinquency, early fraud detection, and maintaining a healthy book.
- Credit Assessment & Policy Compliance – Ensured loan files from DSA team met bank/NBFC credit policy, documentation standards, and risk parameters, promoting compliance and risk management.
- Coordination with Lenders and Sales Teams – Acted as bridge between lender credit managers and sales/operations teams to resolve queries and expedite approvals, fostering collaboration and efficiency.
- Team Training & Productivity – Guided DSA team on income assessment and documentation, resulting in cleaner submissions and improved approval ratios.
Divisonal Credit Manager
Vreedhi Financial Services
Hyderabad
10.2024 - 03.2025
- Underwriting of Unsecured Business loans & Mortgage Loans as per Credit Policy.
- Developed and implemented credit policies and procedures that aligned with market trends
- Negotiated loan amounts with business teams to align financing with client needs.
- Built a quality, risk-free portfolio by evaluating customer creditworthiness based on capacity and repayment ability
- Led a team of credit managers across Telangana to enhance productivity
- Leveraged Digital India to help micro enterprises grow at Vreedhi Financial Services
Cluster Credit Manager
Finova Capital Pvt Ltd
Siddipet
07.2023 - 10.2024
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Conducted personal visits to customers' residences and businesses to assess needs.
- Processed and approved loan files within turnaround time to ensure timely service.
- Finova Capital Pvt Ltd is involved in providing various financial services including loans.
Branch Credit Manager
IDFC First Bank Pvt Ltd
Mahbubnagar
01.2023 - 05.2023
- Conducted personal visits to assess applicants' financial situations and build rapport.
- Analyzed credit eligibility of the customer.
- Sanctioned loans aligned with customers' credit eligibility and financial stability.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Managed diverse loan portfolios including personal, business, used and new car, housing, and LAP.
- IDFC First Bank Pvt Ltd. is a private bank focused on providing credit services.
Credit Manager
ICICI Bank Pvt Ltd
Hyderabad
09.2020 - 01.2023
- Analyzed customer eligibility for loans, ensuring informed lending decisions.
- Handled KCC & Agri loans based on scheme requested by the customer.
- Supported sales team members in driving growth and development initiatives.
- Engaged in discussions with the sales team for enhancement of loans.
- Supported all sales team members to drive growth and development.
- Collaborated with sales team to enhance loan offerings based on customer feedback.
- ICICI Bank Pvt Ltd is a leading private sector bank providing a wide range of financial services.
Education
Post Graduation Diploma - Banking & Finance
Manipal Academy of Higher Education
Bengaluru, KA2020
Bachelor of Commerce -
Mahatma Gandhi University
Kodad03-2012
Skills
- Financial Analysis
- Cash flow Analysis
- Risk Assessment
- Portfolio Management
- Decision Making
- Team leadership
Certification
- Tally ERP 9
- National Institute of Securities Management
- IRDA
- MS Office
Languages
- Telugu
- English
- Hindi
Hobbies
- Netflix
- Watching Cricket
- Listening Music
Timeline
Area Credit Manager
AltumCredo Home Finance
11.2025 - Current
Area Credit Manager
Thoshika Financial Services
04.2025 - 10.2025
Divisonal Credit Manager
Vreedhi Financial Services
10.2024 - 03.2025
Cluster Credit Manager
Finova Capital Pvt Ltd
07.2023 - 10.2024
Branch Credit Manager
IDFC First Bank Pvt Ltd
01.2023 - 05.2023
Credit Manager
ICICI Bank Pvt Ltd
09.2020 - 01.2023
Post Graduation Diploma - Banking & Finance
Manipal Academy of Higher Education
Bachelor of Commerce -
Mahatma Gandhi University