GADDAM HARI PRASAD
AREA CREDIT MANAGER
Devapur
Summary
Professional with strong background in credit management and risk assessment. Skilled in financial analysis, credit evaluation, and portfolio management. Strong focus on team collaboration and achieving results, adapting to changing needs seamlessly. Known for reliability, integrity, and leadership in driving financial performance and minimizing risk.
Overview
7
7
years of professional experience
3
3
Languages
Work History
Area Credit Manager
HINDUJA HOUSING FINANCE
03.2025 - Current
- Developed and implemented credit policies to enhance risk management and compliance.
- Developed credit policies to enhance risk management strategies.
- Analyzed client financial data to assess creditworthiness and ensure compliance.
- Led training sessions for staff on credit assessment procedures and tools.
- Streamlined loan approval processes to improve turnaround time for clients.
- Analyzed credit reports and financial statements to assess borrower creditworthiness.
- Led credit approval processes, ensuring timely decision-making and adherence to guidelines.
- Mentored junior credit analysts, fostering professional growth and expertise within the team.
CLUSTER CREDIT MANAGER
HINDUJA HOUSING FINANCE
07.2022 - 03.2025
- Preparation of Credit Appraisal Memo (CAM) to check the eligibility of customer
- Led credit approval processes, ensuring timely decision-making and adherence to guidelines.
- Preparing DM&SKR
- Doing PD for every with customers
- Doing the personal discussion at customer’s business premises for self-employed customers.
- Sanctioning the cases up to 30 lakhs approval authority
- Sanction Files Move to Disbursement
- Handling 0 bucket case in collections
BRANCH CREDIT MANAGER
PIRAMAL CAPITAL AND HOUSING FINANCE
04.2022 - 06.2022
- Preparation of Credit Appraisal Memo (CAM) to check the eligibility of customer
- Initiating for RCU verification and get the RCU report for sampled cases.
- Generation of customer CIBIL report and verifying customer previous loans status.
- Preparing DM&SKR
- Tele PD with customers
- Doing the personal discussion at customer’s business premises for self employed customers.
- Sanctioning the cases upto 10 lakhs approval authority
- Sanction Files Move to Disbursement
CREDIT MANAGER
BAJAJ FINSERV
12.2020 - 03.2022
- Preparation of Credit Appraisal Memo (CAM) to check the eligibility of customer
- Initiating for RCU verification and get the RCU report for sampled cases.
- Generation of customer CIBIL report and verifying customer previous loans status..
- Preparing DM&SKR
- Tele PD with customers
- Doing the personal discussion at customer’s business premises for self-employed customers.
- Sanctioning the cases up to 10 lakhs approval authority
- Sanction Files Move to Disbursement
CREDIT RELATIONSHIP OFFICER
IDFC FIRST BANK
03.2020 - 09.2020
- Verifying all KYC documents before file Login and follow up query documents.
- Preparation of Credit Appraisal Memo (CAM) to check the eligibility of customer
- Enter customer details in SFDC Software
- After the SFDC entry generated the CIBIL, and send to Customer residence and Office details from FI Agency and collect report from FI team.
- Initiating for RCU verification and get the RCU report for sampled cases.
- Generation of customer CIBIL report and verifying customer previous loans status.
- Approving the below 5 lakhs cases.
- Above 5 lakhs cases recommending to higher authority
- Preparing DM&SKR
- Sanction Files Move to Disbursement
- Tele PD with customers
- Doing the personal discussion at customer’s business premises for self employed customers.
Risk control executive (CPA)
YES BANK
02.2019 - 02.2020
- Verifying all KYC documents before file Login and follow up query documents.
- Preparation of Credit Appraisal Memo (CAM) to check the eligibility of customer
- Enter customer details in SFDC Software
- After the SFDC entry generated the CIBIL, and send to Customer residence and Office details from FI Agency and collect report from FI team.
- Initiating for RCU verification and get the RCU report for sampled cases.
- Generation of customer CIBIL report and verifying customer previous loans status.
- Approving the below 5 lakhs cases.
- Above 5 lakhs cases recommending to higher authority
- Preparing DM&SKR
- Sanction Files Move to Disbursement
- Tele PD with customers
- Doing the personal discussion at customer’s business premises for self employed customers.
Education
MBA - Finance Management
Andhra University
Visakhapatnam, India 04.2001 -
Certification - Certificate in Financial Management
Scope Global Skills University
Bhopal, India 04.2001 -
Bachelor of Commerce -
Rabindranath Tagore University
Bhopal, India 04.2001 -
Intermediate - Mathematical Sciences
Govt Junior College
Adilabad, India 04.2001 -
High School Diploma -
ZPPS Devapur
Devapur 04.2001 -
Skills
- Advance Excel
- Typing Higher from State board of Technical Education with speed of 60wpm
Interests
Listening Music, Watching Movies
Declaration
I hereby declare that all the particulars stated in this resume are true to the best of my knowledge and belief. Date: Place: Karimnagar Signature: (Gaddam Hari Prasad)
Strengths
- Good oral and communication skills.
- Self-motivated, hard working.
- Dedication and willingness to work the extra mile to achieve excellence
- Spontaneous on Decision making.
Timeline
Area Credit Manager
HINDUJA HOUSING FINANCE
03.2025 - Current
CLUSTER CREDIT MANAGER
HINDUJA HOUSING FINANCE
07.2022 - 03.2025
BRANCH CREDIT MANAGER
PIRAMAL CAPITAL AND HOUSING FINANCE
04.2022 - 06.2022
CREDIT MANAGER
BAJAJ FINSERV
12.2020 - 03.2022
CREDIT RELATIONSHIP OFFICER
IDFC FIRST BANK
03.2020 - 09.2020
Risk control executive (CPA)
YES BANK
02.2019 - 02.2020
MBA - Finance Management
Andhra University
04.2001 -
Certification - Certificate in Financial Management
Scope Global Skills University
04.2001 -
Bachelor of Commerce -
Rabindranath Tagore University
04.2001 -
Intermediate - Mathematical Sciences
Govt Junior College
04.2001 -
High School Diploma -
ZPPS Devapur
04.2001 -