Summary
Overview
Work History
Education
Skills
Projects
Timeline
Generic

Nethaji Reddy Rajam

Hyderabad

Summary

Experienced Credit Manager with over a year of expertise in financial analysis, risk assessment, and portfolio management within the housing finance sector. Proven ability to assess creditworthiness, mitigate risks, and optimize credit processes to drive business growth. Adept at managing large loan portfolios, ensuring compliance with regulatory requirements, and developing strategies to enhance credit quality. Highly skilled in leveraging data-driven insights, advanced Excel, Power BI, and SQL to create detailed financial reports and dashboards, improving decision-making and operational efficiency. Seeking to bring analytical solid capabilities, attention to detail, and a results-oriented approach to a new Credit Manager role in a dynamic organization

Overview

1
1
year of professional experience

Work History

CREDIT MANAGER

Tata Capital Limited
Hyderabad
05.2023 - 03.2024
  • Processed and approved Housing loans totaling ₹10-15 crore monthly, with an 80% approval rate, reducing processing time by 70%.
  • Managed a loan portfolio of ₹100 crore, ensuring timely repayments and reducing overdue accounts by 60% through effective risk management strategies.
  • Evaluated financial statements and borrower profiles for 30-50 loan applications monthly, improving credit risk evaluation accuracy by 90%.
  • Led and mentored a team of 4 credit analysts, increasing team productivity by 30% and reducing compliance issues by 50%.
  • Streamlined loan approval processes, improved turnaround time by 80%, consistently met month-end targets.
  • Ensured 100% compliance with NBFC guidelines and regulatory requirements during audits.
  • Prepared and presented detailed monthly credit reports to senior management, supporting strategic decision-making

Education

MBA - FINANCE

ICFAI - IBS
Hyderabad
04.2023

BACHELOR OF TECHNOLOGY - MECHANICAL ENGINEERING

SNIST
Hyderabad
09.2017

Skills

  • DBML - SQL
  • Power BI
  • Advanced Excel
  • Willingness to learn
  • Positive attitude
  • Multitasking
  • Accountability
  • Strong written and verbal communication

Projects

SALES PERFORMANCE DASHBOARD FOR BLINKIT, 08/2024, Created an interactive Power BI dashboard, improving reporting efficiency by 30%. Analyzed sales trends, identifying top-performing regions and products, resulting in a 15% increase in targeted sales strategies. DATA CLEANING AND EXPLORATORY DATA ANALYSIS, 07/2024 - 08/2024, Cleaned and analyzed over 100,000 data points, improving data accuracy and reliability by 25%. Conducted exploratory data analysis, providing data-driven recommendations that enhanced sales performance.

Timeline

CREDIT MANAGER

Tata Capital Limited
05.2023 - 03.2024

MBA - FINANCE

ICFAI - IBS

BACHELOR OF TECHNOLOGY - MECHANICAL ENGINEERING

SNIST
Nethaji Reddy Rajam