MOHANARAO NEELAPU
Hyderabad
Summary
Senior Credit Professional with 18+ years of experience across Housing Finance, LAP, MSME, and Microfinance sectors. Proven expertise in credit underwriting, portfolio quality management, team leadership, and policy implementation across AP & Telangana. Strong track record in maintaining healthy portfolios, low bounce ratios, and consistent IRR performance while managing large, multi-location teams.
Overview
19
19
years of professional experience
3
3
Languages
Work History
Regional Credit Manager
IREP Credit Capital
06.2025 - Current
- Leading a 40-member credit team (5 ACMs and 35 Branch Credit Manager) across 35 branches in AP & Telangana.
- End-to-end underwriting and sanctioning for LAP & HL products up to ₹50 Lakhs.
- Driving portfolio health with average bounce ratio below 8% and IRR ~19%.
- Conducting policy training for sales and credit teams.
- Handling escalations, collection visits, and resolution of problematic cases.
- Active client visits for both rejected and disbursed cases.
Regional Credit Manager
Finova Capital
04.2023 - 06.2025
- Managed 50+ resources including ACMs, Cluster Managers, and Credit Managers across 38 branches.
- Credit sanctioning, recommendations, and portfolio monitoring.
- Team hiring, performance management, and policy adherence.
- Maintained strong asset quality with controlled delinquencies and stable IRR (~24%).
- Supported business growth through structured credit strategies and branch-level reviews.
Area Credit Manager
APAC Financial Pvt. Ltd.
10.2019 - 12.2022
- Managed underwriting for LAP & HL loans up to ₹35 Lakhs.
- Led a team of 8 Credit Managers and 4 Credit Officers.
- Conducted PDs, branch visits, policy trainings, and daily collection follow-ups.
- Ensured quality portfolio through stringent credit checks and customer engagement.
Cluster Manager (MSME)
Annapurna Finance Pvt. Ltd.
01.2019 - 09.2019
- Headed operations of 4 branches with 4 Branch Managers and 16 Relationship Managers.
- Responsible for business planning, disbursement growth, PD visits, and collections.
- Strengthened branch productivity and team efficiency.
Risk Manager (Credit)
Fullerton India Credit Company Ltd.
01.2015 - 01.2019
- Credit appraisal, PD & CPV, CAM/CFA preparation, and system sanctioning.
- Portfolio monitoring, branch audits, end-use checks, and team training.
- Ensured compliance and maintained strong asset quality.
Internal Auditor
Asmitha Microfin Ltd.
08.2006 - 12.2014
- Conducted branch audits, client visits, and loan utilization checks.
- Reviewed internal controls, audit compliance, and ERP updates.
- Prepared audit reports for senior management and board-level review.
Education
B.Com -
Intermediate - undefined
SSC - undefined
Skills
Credit Underwriting (LAP & HL up to ₹50 Lakhs)
Disclaimer
Declaration: I hereby declare that the above information is true and correct to the best of my knowledge.
Timeline
Regional Credit Manager
IREP Credit Capital
06.2025 - Current
Regional Credit Manager
Finova Capital
04.2023 - 06.2025
Area Credit Manager
APAC Financial Pvt. Ltd.
10.2019 - 12.2022
Cluster Manager (MSME)
Annapurna Finance Pvt. Ltd.
01.2019 - 09.2019
Risk Manager (Credit)
Fullerton India Credit Company Ltd.
01.2015 - 01.2019
Internal Auditor
Asmitha Microfin Ltd.
08.2006 - 12.2014