Summary
Overview
Work History
Education
Skills
Accomplishments
Projects
Hobbies and Interests
Languages
Timeline
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MARREDY LOKESH REDDY

Hyderabad

Summary

Dynamic Credit Manager with proven success at HDFC Bank, skilled in financial analysis and decision-making. Recognized for exceptional performance in underwriting loans, achieving high approval rates while minimizing risk. Adaptable and proficient in MS Office, I excel in building relationships and driving results in fast-paced environments.

Overview

4
4
years of professional experience

Work History

Credit Manager (Affordable Rural Housing Finance and LAP)

KEERTANA FINSERV PVT LTD
Hyderabad
02.2025 - Current
  • Input proper loan information into the system for loan processing.
  • Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy.
  • Direct interaction with customers both rural and urban and knowing about the customer profile for assessing the non-documented income by checking all the work of customers.
  • Responsible for legal process for minimizing the risk involves in property given for security.
  • Analyze financial statements and credit history to better understand how much risk could be involved in extending credit to customers.
  • To mitigate the fraud and risk involves in customer profiles we ensure to collect all the working videos and property videos and complete profile of customer.
  • Cross check the customers profile by reference checks like existing customers and financial documents.

Credit Manager (LAP And KGC)

HDFC BANK LTD
Karimnagar
01.2024 - 02.2025
  • Company Overview: Indias Largest Private Sector Bank
  • Research and evaluate clients’ creditworthiness
  • Approve or reject loan requests, based on credibility and potential revenues and losses
  • Ensure all lending procedures comply with regulations
  • An understanding of the intricacies of financial analysis, the balance sheet, and profit & loss accounts
  • Having hands-on experience in analyzing the Micro medium and large clints credit worthiness to process the loans.
  • Analyze financial statements and credit history to better understand how much risk could be involved in extending credit to customers.
  • Doing client visits and having personal discussions with clients for a better understanding of clients' profiles.
  • Vendor Management, Processing of bills to Vendors (Valuers, Advocates, Verifiers) etc.
  • Indias Largest Private Sector Bank

Credit Manager (LAP and KCC)

IDFC FIRST BANK LTD
Peddapalli
01.2022 - 12.2023
  • I joined the Peddapally Cluster as a sales representative and was handling the underwriting of mortgage, OD, and KCC loans.
  • Achieved the 'Bharath ki Shan' award as the highest performer in Q3 2022-23 overall in Telangana.
  • Responsibility for taking care of Karimnagar, Jagitial, Siddipet, Peddapally, Manchirial, and locations for cases underwriting for mortgage loans (secured) and OD loans with an approximate. A count of 80 files per month.
  • Underwriting mortgage loans with a ticket size ranging from 10 lakhs to 100 lakhs, and OD & KCC loans with a ticket size in the range of 5 lakhs to 200 lakhs.
  • Appraising proposals, conducting risk analysis, and scrutinizing relevant documents, technical report valuations, and the LSR Report before sanctioning various types of loans.
  • Tracking data for TAT, controlling for 2 days of salaried and 5 days of SENP cases from the entire Telangana.
  • Appointing and coordinating with empaneled valuers and lawyers for technical valuation and title clearances of secured loan proposals.

Market Sales Lead

Ninjacart
Guntur
03.2021 - 12.2021
  • Involved in sourcing, procuring, onboarding farmers, vendors, consolidators, and maintaining continued relationships with them.
  • Monitored logistics for in-time delivery and quality control.
  • Involved in maintaining the relationship with the commission agents in different markets to liquidate the stock with a maximum price.
  • Setting up markets/customer bases from scratch and manage end to end P&L for a given area from supply to distribution.
  • Extensively traveled in the market to negotiate with farmers and retailers for rates, creating a win-win scenario for all stakeholders.
  • Contribute in increasing the turnover and expandability of the company by implementing the project successfully in new areas.

Education

Post Graduation Diploma - Agribusiness and Plantation Management

Indian Institute of Plantation Management
Bengaluru
05.2021

Graduation - Agriculture BSC

Dr. Br. Ambedkar University
Agra
05.2018

Skills

  • MS Office
  • Interpersonal skills
  • Adaptable
  • Positive work attitude
  • Decision-making

Accomplishments

Achieved the Bharath ki Shan award as the highest performer in Q3 2022-23 overall Telangana

Projects

Undergone RAWE Program at Sri Aurobindo Institute of Rural Development during 2017-18 Designed an Air Circulatory System in Aquaculture without power consumption Participated in Attracting and Retaining Youth in Agriculture (ARYA)

Hobbies and Interests

  • Travelling
  • Cooking
  • Kabadi

Languages

  • Telugu, Full Professional Proficiency
  • Hindi, Full Professional Proficiency
  • English, Full Professional Proficiency

Timeline

Credit Manager (Affordable Rural Housing Finance and LAP)

KEERTANA FINSERV PVT LTD
02.2025 - Current

Credit Manager (LAP And KGC)

HDFC BANK LTD
01.2024 - 02.2025

Credit Manager (LAP and KCC)

IDFC FIRST BANK LTD
01.2022 - 12.2023

Market Sales Lead

Ninjacart
03.2021 - 12.2021

Post Graduation Diploma - Agribusiness and Plantation Management

Indian Institute of Plantation Management

Graduation - Agriculture BSC

Dr. Br. Ambedkar University

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MARREDY LOKESH REDDY