KRANTHI TEJA VUNNAM
Machilipatnam
Summary
Results-driven credit professional with over 12+ years of experience in NBFC and housing finance, specializing in credit underwriting, risk assessment, and portfolio quality management for home loans and loan against property.
Overview
13
13
years of professional experience
Work History
Branch Credit Manager
Piramal Finance Limited
Machilipatnam
04.2023 - Current
- Holding independent credit sanction authority up to ₹50 Lakhs, enabling timely and quality credit decisions while maintaining risk discipline.
- Performed detailed financial analysis, cash flow assessment, banking analysis, and bureau (CIBIL) evaluation for informed credit decision-making.
- Oversaw end-to-end credit underwriting for HL and LAP portfolios, ensuring quality and compliance in decision-making.
- Conducting detailed evaluation of borrower profiles through financial, banking, and bureau analysis.
- Leading Personal Discussions (PD), business assessments, and collateral/property evaluations.
- Coordinated with legal, technical, financial, and operations teams to facilitate efficient credit processing.
- Ensuring strict adherence to credit policies, compliance norms, and sanction conditions prior to disbursement.
- Enhanced portfolio quality and controlled delinquency through effective underwriting practices.
Credit Manager
Vistaar Financial Services Pvt. Ltd.
Khammam
09.2022 - 04.2023
- Conducted end-to-end credit appraisal of MSME and secured lending proposals, assessing borrower profile, business viability, repayment capacity, and creditworthiness.
- Evaluated legal, technical, and collateral reports for compliance with organizational credit policies and risk parameters, mitigating potential risks.
- Identified key credit risks and recommended risk mitigants, maintaining portfolio quality and minimizing delinquencies through proactive measures.
- Collaborated closely with Sales, Operations, Legal, and Technical teams to ensure timely credit processing and disbursement.
- Conducted personal discussions (PDs), field investigations, and site visits to validate business operations and income sources, ensuring reliability of collateral security.
Assistant Credit Manager
Aye Finance Pvt. Ltd.
Suryapet
07.2021 - 09.2022
- Conducted borrower Personal Discussions (PDs), field investigations, and reference checks to validate business activities and income-generating capacity, enhancing loan approval accuracy.
- Analyzed bank statements, cash flows, indebtedness, and bureau reports to determine loan eligibility and credit risk.
- Assessed MSME loan applications through detailed customer interactions, focusing on business model viability, operational stability, and repayment behavior to inform lending decisions.
- Verified end-use of funds, business assets, and customer cash cycles to ensure compliance with lending policies and underwriting guidelines, safeguarding portfolio integrity.
- Worked closely with Sales and Operations teams to facilitate quality sourcing, timely credit decisions, and smooth loan disbursements while maintaining portfolio quality.
Senior Branch Credit Analyst
Aptus Housing Finance India Ltd.
Kavali
10.2016 - 06.2021
- Scrutinized income documents, bank statements, property papers, and credit bureau reports to validate loan eligibility and repayment capability.
- Appraised Home Loan (HL) and Loan Against Property (LAP) applications by assessing customer profiles, income sources, repayment capacity, and collateral adequacy.
- Evaluated customer credibility and identified potential risks through personal discussions (PDs), residence visits, business verifications, and field investigations.
- Coordinated due diligence, sanction, and disbursement processes by collaborating with technical, legal, sales, and operations teams to ensure timely completion.
- Maintained portfolio quality and turnaround time (TAT) by ensuring strict adherence to credit policy guidelines, documentation standards, and regulatory requirements.
Operations Associate
Mahindra Home Finance
Vijayawada
04.2014 - 10.2016
- Scrutinized customer KYC, income, property, and loan documents to ensure accuracy, completeness, and policy compliance prior to disbursement.
- Coordinated cross-functional teams across Credit, Sales, Legal, Technical, and Branch to streamline loan sanction, documentation, and disbursement processes.
- Managed end-to-end loan processing activities, including application screening, document verification, and file login as per company guidelines.
- Maintained operational controls and MIS records while ensuring compliance with turnaround time (TAT) and regulatory requirements.
Education
Bachelor of Science - MPC
Dr. K.R.R.M Degree College
Guntur01-2013
Skills
- Credit Underwriting
- Credit Appraisal
- Risk Assessment
- Financial Analysis
- Banking & Cash Flow Analysis
- Bureau Analysis (CIBIL)
- HL & LAP Lending
- Credit Decisioning
- Portfolio Risk Management
- Sanction & Disbursement Control
- Policy Compliance
- Personal Discussion (PD)
- Field Investigation (FI)
- Stakeholder Coordination
- MS Office (Excel, Word)
- Windows
Roles And Responsibilities
- Evaluation of borrower profile, repayment capacity, and income stability
- Financial analysis, banking assessment, and bureau (CIBIL) verification
- Conducting Personal Discussions (PD) and field-level verifications
- Business, residence, and collateral property evaluation
- Technical, Legal, and FI coordination and follow-up
- Ensuring compliance with pre- and post-sanction conditions
- Customer interaction and stakeholder communication
Disclaimer
I hereby declare that the above information is true and correct to the best of my knowledge and belief.
Sign :
Date :
Personal Information
Languages
- English
- Telugu
- Hindi
Timeline
Branch Credit Manager
Piramal Finance Limited
04.2023 - Current
Credit Manager
Vistaar Financial Services Pvt. Ltd.
09.2022 - 04.2023
Assistant Credit Manager
Aye Finance Pvt. Ltd.
07.2021 - 09.2022
Senior Branch Credit Analyst
Aptus Housing Finance India Ltd.
10.2016 - 06.2021
Operations Associate
Mahindra Home Finance
04.2014 - 10.2016
Bachelor of Science - MPC
Dr. K.R.R.M Degree College