Harsha Gokada
Hyderabad
Summary
Over 3.3 years of experience in credit management, specialising in unsecured loans (BL) within financial banking for 2.1 years. Managed credit operations in the medical sector for 5 months and in a non-banking financial company for secured loans (LAP) over 10 months. Proven ability to assess credit risk and enhance loan approval processes, contributing to overall portfolio growth.
Overview
5
5
years of professional experience
Work History
Credit Manager
SMFG India Credit
Hyderabad
06.2024 - Current
- Analyzing applicant's business profiles, work records, and income details.
- Evaluating customer loan eligibility through the analysis of income statements, provided documents, and in-person assessments.
- Analyzing customer's businesses and residences to measure creditworthiness and living standards via physical visits.
- Preparation of CAM, and recommending proposals to higher authorities, following DOA for authorization.
- Evaluating all internal reports, such as CPV, FCU, Crime Check, Legal Report, and Technical Analysis, related to the prospect.
- Assessing link documents of property to reduce potential risk.
- Validating original property documents via detailed physical cross-examination.
- Assessing flow of property within legal documentation.
- Managing file login to disbursement processes in FINNONE.
- Managing all PPD, OTC, and cheques handover processes.
- Managing EMI communications and business portfolio.
- Coordinating effectively with sales and operations teams to align credit risk policies with overall business strategy.
Credit Manager
Saveo Healthcare Pvt Ltd
Hyderabad
09.2023 - 02.2024
- Responsible for handling the business of Telangana State.
- Utilizing Excel sheets and Google Sheets to generate comprehensive reports.
- Generating detailed, outstanding reports.
- Conducting follow-ups on collections.
- Evaluated creditworthiness of customers and facilitated access to credit facilities.
- Generating new applications.
- Managed customer payment processing with accuracy.
Credit Manager
Bandhan Bank Ltd
Kadapa
10.2020 - 12.2022
- Oversaw business activities at three distinct sites
- Analyzing applicant's business profiles, work records, and income details.
- Evaluating customer loan eligibility through the analysis of income statements, provided documents, and in-person assessments.
- Analyzing customer's businesses and residences to measure creditworthiness and living standards via physical visits.
- Preparation of CAM, and recommending proposals to higher authorities, following DOA for authorisation.
- Establishing networks to attract additional prospects
- Document validation for subsequent processes.
Education
MBA - Finance
CMS Business School, Jain University
Bangalore05-2020
Bachelor of Commerce - B COM
Aditya Degree College
Kakinada03-2018
Intermediate - M P C
Sri Chaitanya Junior College
Kakinada03-2015
Secondary School of Education - S S C
Keshava Reddy High School
Nandyal03-2013
Skills
- Credit analysis
- Risk assessment
- Financial reporting
- Customer evaluation
- Document verification
- Portfolio management
- Excel reporting
- Data analysis
- Team collaboration
- Effective communication
- Problem solving
- Client relationship management
- Cash flow management
- Decision-making
- Verifying the property documents and their link documents
- Verifying the technical report for the given collateral
Languages
Telugu
First Language
English
Upper Intermediate (B2)
B2
Hindi
Elementary (A2)
A2
Accomplishments
- Collecting, maintaining &tracking the invoices of deferent clients
- Cross check the receivables and payable of the client and vendor invoices using Tally
- Validated the Suspense accounts with the help of bank statements
- Organizational study on PEST Analysis, SWOT Analysis, Porters Five Forces.
- Company: Moveinsync Transport Solutions Pvt Ltd
- Designation: Intern
- Period: May 2019 – Jul 2019
- Topic: Impact of Fintech in the emerging world of finance
Responsibilities:
- Company: Sree Rayalseema Green Energy Ltd
- Designation: Intern (Organization Study)
- Period: Dec 2018 – Jan 2019
Responsibilities:
Personal Details:
- Date of Birth :- March 15th 1997
- Status :- Married
- Permanent address :- D-No-1-4-111/2, Venkat Nagar, Peddapuram, AP -533437.
Timeline
Credit Manager
SMFG India Credit
06.2024 - Current
Credit Manager
Saveo Healthcare Pvt Ltd
09.2023 - 02.2024
Credit Manager
Bandhan Bank Ltd
10.2020 - 12.2022
MBA - Finance
CMS Business School, Jain University
Bachelor of Commerce - B COM
Aditya Degree College
Intermediate - M P C
Sri Chaitanya Junior College
Secondary School of Education - S S C
Keshava Reddy High School
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