K Subbaraju
Kurnool District
Summary
Dynamic credit manager with over 10 years of experience in the housing finance sector, notably at NIWAS Housing Finance. Expert in loan underwriting and credit risk assessment, I have successfully managed multiple branches, enhancing operational efficiency and staff training. Recognized for outstanding performance with multiple awards, including international trips.
Overview
11
11
years of professional experience
Work History
Cluster credit manager
NIWAS HOUSING FINANCE PVT LTD
10.2021 - Current
- My Cad limit - Home loan 15 lakh
- Lap - 10 Lakh
- I have to handle with 9 Branches Kurnool, Kalluru, Yemmiganur, Adoni, Ananthapur, Tadipatri, Gunthakal, Kadiri, Hindupur Locations.
- Monthly around 200 to 220 Files Check with Underwriting.
- Rewards- I have got the International Contest Turkey Trip & Phuket (Thailand)
- 3 Times R & R Trophy. Off yearly awards.
- Total Work Experience 10+ Years of Working In Housing Loans Sector
Assistant Branch Credit Manager
APTUS VALUE HOUSING FINANCE INDIA LTD
Kurnool
02.2017 - 10.2021
- Developed risk assessment strategies to enhance lending processes and compliance.
- Managed branch operations to ensure adherence to company policies and regulations.
- Trained staff on credit evaluation techniques and financing solutions for customers.
- Collaborated with underwriters to determine loan eligibility and approval criteria.
Executive-Credit
MAHINDRA RURAL HOUSING FINANCE LTD
Nandyal
08.2014 - 09.2016
- Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
Education
Master of business administration - finance
SVU PG center kavali
Nelloor, District01.2012
graduation - Commerce
Govt arts college men
Ananthapuram01.2010
HEC - Commerce
Panyam Cement Junior College
Betamcherla01.2007
SSC - All Subject
Seshareddy High School
Betamcherla 01.2003
Skills
- DOS
- Loan underwriting
- Credit risk assessment
- Staff training and development
- Windows
- MS-Office
- Word
- Excel
- Access
- PowerPoint
- Internet
- ERP Package
- Tally (ERP9)
Languages
- Hindi
- Telugu
- English
- Hindi
- Telugu
Personal Information
- Date of Birth: 12/25/87
- Marital Status: Married
Hobbies and Interests
- Reading books
- Singing
- Playing Cricket
- Watching TV
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge.
Attributes Abilities
- Excellent interpersonal and communication skills
- Self-motivated, methodical and process driven
- A team player, continuous learner and proactive
- Tenacious, independent and willing to take the initiative
Roles And Responsibilities
- Reporting to the Credit Head
- Handling office Sanction and disbursement
- Handling customer kyc checking
- Handling customer income eligibility checking
- Reconciliation of Daily Maintain the MIS
- Reconciliation Customer's and guarantors
- Making & Issuing customer cheques handover
- Handling Customer property visit
- Technical Vendors Coordinate
- Legal Vetting Report and Search Report and Opinion Coordinate the Legal Vendor
- Preparing Daily sales Report for MIS to the Management
- Booking Day wise sanction Entry & Finalization
Personaal Skills
Father’s Name : Mr. K. Balasubbaiah
Date of Birth : 25th December, 1987
Marital Status : Married.
Languages Known : English, Hindi & Telugu.
Interest & Hobbies : Reading books, Singing, Playing Cricket, Watching TV.
Declaration:
I hereby declare that the information furnished above is true to the best of my knowledge.
Place: Betamcherla yours faithfully
Date: K subbaraju
Timeline
Cluster credit manager
NIWAS HOUSING FINANCE PVT LTD
10.2021 - Current
Assistant Branch Credit Manager
APTUS VALUE HOUSING FINANCE INDIA LTD
02.2017 - 10.2021
Executive-Credit
MAHINDRA RURAL HOUSING FINANCE LTD
08.2014 - 09.2016
Master of business administration - finance
SVU PG center kavali
graduation - Commerce
Govt arts college men
HEC - Commerce
Panyam Cement Junior College
SSC - All Subject
Seshareddy High School