NAGENDRA BABU BALILLU
KURNOOL
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish Credit objectives in s Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overall 9+ Years Experience in Retail Branch banking and NBFC & HFC
Received Banking Diploma Certificate from TIMES PRO ( TIMES OF INDIA GROUP )
Overview
11
11
years of professional experience
Work History
Branch Credit Manager
SMFG INDIA HOME FINANCE COMPANY LTD
Kurnool
03.2024 - Current
- Handling HL and LAP products Underwriting and Sanction process with unlimited upto 20 L
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Implemented credit scoring models to streamline the credit approval process.
- Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Reviewed customer accounts to identify delinquencies and recommend collection action plans.
- Coordinated with sales and customer service departments to align credit policies with business objectives.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
CREDIT MANAGER
HIRANANDANI AND FINANCIAL SERVICES PVT LTD
KURNOOL
07.2023 - 02.2024
- Worked in Kurnool cluster office
- Underwriting of LAP & SME Products with Team Handling And Sanction Authority
- Handling Kurnool 1 & 2 Branches And Nandyal branches
CLUSTER CREDIT MANAGER
HINDUAJA HOUSING FINANCE LTD
KURNOOL
03.2021 - 07.2022
- Handling Anantapur and kurnool Clusters Handling 18 Approved locations LAP & HL products
SENIOR BRANCH CREDIT ANALYST
APTUS VALUE HOUSING FINANCE INDIA LTD
ADONI
05.2019 - 02.2021
- Credit under Writing of HL , LAP And SME Products disbursement Process Coordinate with Central credit team..
SENIOR CREDIT AND RISK OFFICER
KINARA CAPITAL
KURNOOL
07.2017 - 02.2019
- Worked As a Hub Credit Manager handling 2 HUB Branches Kurnool and Anantapur & 3 Spoke Locations Nandyal , Adoni & Koilakuntla locations )
- Handling business loans ( unsecured ) and machinery Purchase loans and stock hyphenation loans And working capital loans ...
CUSTOMER RELATIONSHIP OFFICER
BANDHAN BANK LTD
HYDERABAD
12.2016 - 06.2017
- Worked as a customer relationship officer with Assistant Manager Designation Retail Branch Banking operations and Cross sales
ASSISTANT MANAGER
HDFC BANK LTD
KADAPA
07.2014 - 09.2016
- Handling Retail branch banking operations and cross sales...
- Assisted in organizing and overseeing assignments to drive operational excellence.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
Education
Bacheloer of Commerce With Computer Applications -
SARASWATHI DEGREE COLLEGE
TADIPATRISkills
- P>Credit reports
- P>Fraud knowledge
- P>Risk mitigation
- Credit underwriting
Personal Information
Title: CREDIT MANAGER
Timeline
Branch Credit Manager
SMFG INDIA HOME FINANCE COMPANY LTD
03.2024 - Current
CREDIT MANAGER
HIRANANDANI AND FINANCIAL SERVICES PVT LTD
07.2023 - 02.2024
CLUSTER CREDIT MANAGER
HINDUAJA HOUSING FINANCE LTD
03.2021 - 07.2022
SENIOR BRANCH CREDIT ANALYST
APTUS VALUE HOUSING FINANCE INDIA LTD
05.2019 - 02.2021
SENIOR CREDIT AND RISK OFFICER
KINARA CAPITAL
07.2017 - 02.2019
CUSTOMER RELATIONSHIP OFFICER
BANDHAN BANK LTD
12.2016 - 06.2017
ASSISTANT MANAGER
HDFC BANK LTD
07.2014 - 09.2016
Bacheloer of Commerce With Computer Applications -
SARASWATHI DEGREE COLLEGE