Kamatham Bhargav
Vijayawada
Summary
Results-driven banking professional with nearly 16 years of experience in Credit Risk Management and Mortgage Lending. As Regional Manager – Mortgage Credit at AU Small Finance Bank, developed profitable business relationships and expanded market presence. Expertise in collaborating with stakeholders, building client networks, and delivering informed credit decisions while managing risk. Strong analytical and organizational skills focused on process improvement and customer service.
Overview
16
16
years of professional experience
Work History
Regional Manager (VP) – Mortgage Credit
AU SFB
Vijayawada
09.2024 - Current
- Own the end-to-end credit underwriting process for the assigned region, ensuring adherence to credit policies, conducting periodic portfolio reviews, monitoring early warning signals, managing delinquencies, and assessing customer creditworthiness.
- Manage end-to-end credit approval processes for the designated region, ensuring quality underwriting and efficient turnaround times.
- Evaluate loan applications sourced by the Sales team, assess policy deviations and exceptions, and make informed credit decisions based on customer documentation, field investigation reports, sales visit reports, bureau checks (CIBIL), tele-verifications, and personal discussions.
- Approve and authorize policy deviations within delegated authority levels, ensuring compliance with the established credit framework.
- Manage the complete sanction lifecycle of retail loan accounts across mortgage and secured lending products, ensuring timely and quality credit decisions.
- Reviewed and recommended enhancements to credit policies and processes, aligning them with market dynamics and regulatory requirements.
- Drive credit capability-building initiatives by organizing training programs, supporting portfolio analytics development, and contributing to credit scoring models while maintaining portfolio quality and risk standards.
- Work closely with Recovery and Collections teams to generate business insights, monitor portfolio performance, and support effective risk mitigation strategies.
- Participate in the development, implementation, review, and monitoring of credit programs, while mentoring and coaching team members to enhance productivity and underwriting competency.
- Lead, motivate, and manage credit teams, fostering a high-performance culture focused on quality decision-making, process adherence, and customer service excellence.
- Built cross-functional collaboration with sales, operations, legal, technical, risk, and collections teams, facilitating seamless business operations and decision-making.
- Ensure full compliance with internal policies, audit requirements, regulatory guidelines, and management reporting standards while maintaining robust governance and control frameworks.
Regional Manager (AVP) – LAP
Tata Capital Ltd
Vijayawada
05.2024 - 09.2024
- Managed the credit appraisal and approval process, ensuring comprehensive assessment of borrower repayment capacity, business cash flows, and collateral security.
- Monitored portfolio performance and tracked delinquency trends to implement proactive measures that maintained portfolio quality and minimized credit losses.
- Assessed and managed credit risks associated with secured lending portfolios by identifying early warning signals and implementing appropriate risk mitigation strategies.
- Led, mentored, and managed a team of Credit Officers, providing guidance, training, and performance coaching to achieve business and quality objectives.
- Collaborated closely with Sales, Operations, Legal, Technical, and Collection teams to streamline loan processing and enhance customer experience while maintaining credit discipline.
- Developed and implemented collection and recovery strategies that aimed to reduce delinquencies and control portfolio stress while minimizing non-performing assets (NPAs).
- Conducted regular portfolio reviews and market assessments to identify emerging risks, business opportunities, and areas requiring corrective action.
- Evaluated mortgage and secured business loan applications, conducted detailed financial analysis, and made credit decisions in accordance with established credit policies and underwriting guidelines.
- Ensured strict adherence to credit policies, regulatory requirements, internal controls, and industry best practices.
State Head (DGM) – Mortgage Credit
AU SFB
Vijayawada
09.2018 - 05.2024
- Led end-to-end mortgage credit operations across Andhra Pradesh and Telangana, ensuring superior portfolio quality, optimal turnaround time (TAT), and adherence to credit policies.
- Managed and mentored 18 DCMs and a team of 135+ Credit Managers, driving operational efficiency, productivity, and credit quality across the region.
- Conducted regular branch visits and training programs to enhance the underwriting capabilities of Credit Managers and Sales teams, with a strong focus on risk assessment and policy compliance.
- Reviewed and approved CFA, CAM, and Pitch Reports, ensuring sound underwriting practices and satisfactory personal discussions (PDs).
- Evaluated credit proposals, raised observations and queries, and recommended eligible cases to the NCM and CCO for final approval.
- Closely monitored delinquency trends and portfolio performance, coordinating with Risk, Audit, Collections, and Business teams to implement corrective actions and strengthen risk controls.
- Prepared and presented periodic MIS reports, including portfolio analysis and collection performance, facilitating data-driven decision-making.
- Managed and monitored the performance of external stakeholders, including Field Investigation Agencies, Valuation Agencies, and Legal Vendors, ensuring adherence to service standards and turnaround timelines.
- Collaborated extensively with cross-functional teams to streamline credit processes, improve operational efficiency, enhance customer experience, and maintain robust governance standards.
- Ensured compliance with internal credit policies, regulatory requirements, audit observations, and risk management frameworks while supporting sustainable business growth.
Assistant Manager | Credit Operations (PL, BL & LAP)
Bajaj Finance Ltd
12.2016 - 08.2018
Assistant Manager | Personal Loan Sales
Bajaj Finance Ltd
02.2016 - 09.2016
Relationship Executive | Tractor Loans
Axis Securities Ltd
05.2015 - 01.2016
Senior Sales Associate
Sri Lakshmi Vinayaka Auto Financiers
01.2013 - 03.2015
Credit Officer (MFI, LAP & Tractor Loans)
Spandana Sphoorty Financial Ltd
04.2010 - 12.2012
Education
MBA - Credit Management
Xavier Institute of Management Studies
Online (Open B School)01-2018
Bachelor of Commerce - Computer Applications
Sri Venkateswara University
YSR Kadapa01-2010
Intermediate - CEC
Sri YSRR Junior College
Simhadripuram01-2007
SSC -
Sree Leela High School
Simhadripuram01-2005
Skills
- Credit underwriting
- Credit policy development
- Risk assessment
- Portfolio management
- Compliance management
- Team leadership
- Customer relationship management
Languages
- Telugu
- English
- Hindi
Disclaimer
I hereby declare that the above details are true to the best of my knowledge and belief.
Technology
Windows 98, XP2, 2007, 2008, Tally ERP 09, PGDCA, CRM, FINNONE, SALES FORCE, D-Lite
Personal Information
- Vijayawada
- Tirupati
- Hyderabad
- Anywhere in AP & TS
- Date of Birth: 06/18/90
- Marital Status: Married
Timeline
Regional Manager (VP) – Mortgage Credit
AU SFB
09.2024 - Current
Regional Manager (AVP) – LAP
Tata Capital Ltd
05.2024 - 09.2024
State Head (DGM) – Mortgage Credit
AU SFB
09.2018 - 05.2024
Assistant Manager | Credit Operations (PL, BL & LAP)
Bajaj Finance Ltd
12.2016 - 08.2018
Assistant Manager | Personal Loan Sales
Bajaj Finance Ltd
02.2016 - 09.2016
Relationship Executive | Tractor Loans
Axis Securities Ltd
05.2015 - 01.2016
Senior Sales Associate
Sri Lakshmi Vinayaka Auto Financiers
01.2013 - 03.2015
Credit Officer (MFI, LAP & Tractor Loans)
Spandana Sphoorty Financial Ltd
04.2010 - 12.2012
MBA - Credit Management
Xavier Institute of Management Studies
Bachelor of Commerce - Computer Applications
Sri Venkateswara University
Intermediate - CEC
Sri YSRR Junior College
SSC -
Sree Leela High School