Naveen Tamada

Currently serving as Regional Credit Manager (RCM) for Telangana since May 2024, following a successful track record as RCM for Andhra Pradesh & Telangana from Dec 2022 to April 2024.

• Managed a dynamic team of 30 credit professionals, including 3 Area Credit Managers, 20 Branch Credit Managers, and 8 Customer Service Executives.
• Demonstrated proficiency in financial analysis, credit assessment, and risk management, effectively setting credit limits and customer profiles.
• Achieved a 100% increase over quarterly sales targets, recognized as Best Regional Credit Manager nationwide.
• Formulated and executed a regional credit strategy that substantially improved Turnaround Time (TAT) compliance.
• Streamlined the credit application process, ensuring expedited review and approval, thereby increasing customer satisfaction. '
• Pioneered a sophisticated credit scoring model to enhance the accuracy and efficiency of credit evaluations.
• Managed a portfolio of 3,400 clients, maintaining an outstanding 99.56% collection rate for overdue payments within 30 days.
• Vigilantly managed credit portfolios to identify and reduce risk, achieving a notable 0.2% NPA across over 3,200 accounts.
• Structured strategic relationships with key stakeholders to drive service excellence and customer satisfaction.
• Launched a customer loyalty program that significantly bolstered retention rates and amplified sales by 30%.
• Successfully negotiated payment arrangements with delinquent clients, minimizing financial loss while preserving client relationships.

• Expertly managed Prime and Affordable Housing Loan channels, encompassing Home Loans and Non-Home Loans across the enre state of Telangana as Area Credit Manager, and oversaw three clusters in Andhra Pradesh.
• Conducted thorough analysis of financial statements, credit reports, and customer profiles to evaluate creditworthiness and establish appropriate credit limits for new and exisng clients.
• Ensured a clean and organized work environment, upholding high standards of safety and operaonal efficiency.
• Diligently performed financial reconciliaons, including general ledger, bank accounts, and credit card accounts, to guarantee the accuracy of financial records.
• Vigilantly monitored credit performance, idenfying risk areas and achieving a remarkably low Non-Performing Asset (NPA) rate of 0.15% in credit losses.
• Efficiently reviewed and sanconed credit applicaons, seng customer credit limits swily and accurately for credit risk analysis, covering extensive wholesale credit porolios of large corporates and SMEs.

• Credit risk analysis and assessment of wholesale credit portfolios, including large corporate and SME clients.
• Conduct thorough credit assessments for individual and business loan applicants, resulting in a 15% reduction in non-performing loans. '
• Develop and maintain effective credit risk models to evaluate the creditworthiness of borrowers, ensuring compliance with regulatory requirements.
• Collaborate with loan officers to provide credit recommendations and assist in structuring credit facilities.
• Monitor the performance of a 50 million loan portfolio, identifying and addressing potential risks in a timely manner.
• Conducted in-depth financial statement analysis, credit scoring, and risk assessment for personal and small business loans, housing Loan and Mortgage Loans.
• Participated in the preparation of credit risk reports for senior management and regulatory agencies.
• Supporting senior on Compliance audit clearance pertain to regulatory.

• Gained practical experience in Customer On boarding, KYC, credit analysis by supporting the Credit Risk team in evaluating loan applications.
• Determined borrower eligibility, determined loan terms and conditions, and prepared loan documents.
• Assisted in data collection and analysis to identify trends and patterns in credit data.
• Analyzed financial statements, credit reports, and customer profiles to assess creditworthiness and set credit limits for new and existing customers. Participated in department meetings and training sessions to enhance credit risk assessment skills.
• Conducted research on industry-specific risk factors and prepared reports for senior analysts.