VEERA BRAHMMA K
Nellore
Summary
A highly adaptable professional of multi-functional experience in the NBFC and Banking sectors. Proven track record in transitioning from customer-facing marketing roles at IndusInd bank LTD to leadership in branch operations at IDFC First Bharat LTD, and currently mastering risk containment at Bajaj Finserv LTD.Dedicated to enhancing operational integrity, reducing delinquency, and implementing robust RCU frameworks.
Overview
4
4
years of professional experience
Work History
Field risk manager,RCU&Aduit
BAJAJ FINSERV LTD
TIRUPATI
06.2025 - Current
- Document Forensic Analysis: Authenticate high-value loan/credit documents (KYC, income tax returns, bank statements) to detect forgeries or sophisticated alterations.
- Sample Management: Execute "Risk-Based Sampling" on applications to identify suspicious patterns and prevent fraudulent disbursements.
- Negative Area/Profile Mapping: Maintain and update "Negative Lists" for specific geographies or profiles prone to high default or organized fraud.
- Portfolio Scrubbing: Periodically review existing portfolios to identify "Early Warning Signals" (EWS) of potential fraud or delinquency.
- Ground-Level Verifications: Conduct physical site visits to verify the existence and legitimacy of residential and business premises.
- Mystery Audits: Perform unannounced audits of field staff and partner agencies to ensure compliance with the company’s code of conduct.
- Internal Threat Mitigation: Identify and report "staff-level" collusion or process gaps that could lead to operational leakages.
- Root Cause Analysis (RCA): Lead investigations into "Early Delinquency" cases to determine if the failure was due to process gaps or intentional fraud.
Branch operations manager
IDFC FIRST BHARAT LTD
Ponnur
01.2023 - 05.2025
- Operational Excellence: Expert in supervising daily branch activities and maintaining 100% First Time Right (FTR) documentation.
- Risk & Compliance: Skilled in conducting quarterly compliance checks and ensuring 100% adherence to government regulations.
- Financial Management: Proficient in cash handling, vault balancing, and maintaining 98% inventory accuracy.
- Customer & Sales Focus: Experienced in meeting sales targets, conducting promotional activities, and achieving collection efficiency.
- Audit Mastery: Achieved a top-tier Audit Grade of A+ by supervising all daily operational activities with precision.
- Loan Operations: Successfully manage diverse products including Rural Gold, Micro Housing, and Joint Liability Group (JLG) loans.
- Compliance Leadership: Oversee KYC verification, document authentication, and post-closing processes for all loan types.
- Resource Management: Act as key custodian and manage branch movements, vault access, and digital registers.
Marketing & Financial Services
INDUSINDBANK
Nellore
02.2022 - 01.2023
- Portfolio Management: Handled consumer finance (PPD) for the Nellore West location.
- Collection Strategy: Resolved accounts up to 90 days past due and managed the recovery pool through effective capacity planning.
- Relationship Management: Coordinated daily with dealerships and market agents to achieve business and budgeting targets.
- Technical Analysis: Utilized Procredit 360 for demographic analysis and credit assessment.
Education
B. Tech - ECE
Jawaharlal Nehru Technological University Anantapur
01.2016
Skills
- Work planning
- Willing to learn
- Adaptable to changing conditions
- Decision making
- Creative and innovative
- Self-confidence
- Analytical thinking
- Strong Interpersonal and Communications skills
- Determination
- Dedication
- Discipline
- Fraud Control Unit (FCU) protocols
- Know Your Customer (KYC) / Anti-Money Laundering (AML)
- due diligence and background verification
- Data analysis and trend mapping
- Conflict resolution and investigation
Personal Information
- Date of birth: 12-17-1991
- Marital status: single
Hobbies and Interests
- Watching nature's beauty
- Playing games on PlayStation like story games
- Playing all sport games
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge.
Languages
- English
- Hindi
- Telugu
Father's Name
K siddakala Achari
Timeline
Field risk manager,RCU&Aduit
BAJAJ FINSERV LTD
06.2025 - Current
Branch operations manager
IDFC FIRST BHARAT LTD
01.2023 - 05.2025
Marketing & Financial Services
INDUSINDBANK
02.2022 - 01.2023
B. Tech - ECE
Jawaharlal Nehru Technological University Anantapur