Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Languages
References
Timeline
Generic

NUTAKKI RADHA KRISHNA

Vijayawada

Summary

Dynamic Area Credit Manager with extensive experience in portfolio management and risk assessments. Proven track record of maintaining a delinquency-free portfolio while leading teams to achieve targets. Skilled in loan underwriting and policy development, fostering a culture of excellence and compliance.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Area Credit Manager

Tyger Capital Pvt Ltd
Khammam Area
08.2024 - Current
  • Handling of the Khammam area with six branches.
  • Portfolio Management.
  • Vendor Management.
  • Ensuring the team reaches their individual and area targets.
  • Ensuring all files are closed within TAT.
  • To ensure that the Bounce Rate and Delinquency are within acceptable standards.
  • Conducted training sessions for staff members on proper credit management processes and procedures.

Branch Credit Manager

Tyger Capital Pvt Ltd
Eluru
02.2022 - 08.2024
  • Made and maintained a healthy portfolio of 22 crore, with no delinquency.
  • Analysis of the financial statements of the prospective customer to identify the short term and long term.
  • To ensure that the Bounce Rate and Delinquency are within acceptable standards.
  • Loans for business entrepreneurs against mortgage.
  • Reviewed customer accounts to identify delinquencies, and recommend collection action plans.
  • Provided guidance to staff members on best practices related to loan processing activities.
  • Evaluated the creditworthiness of applicants based on established criteria, such as income level, debt ratio, and collateral value.

Credit Manager - Mortgages

IDFC First Bank
Gollapudi
05.2020 - 02.2022
  • Business loans, equipment hypothecation loans, personal loans, housing, and LAP loans.
  • Handled commercial vehicle, micro every month processed 15 HL and LAP cases, and over 100 business loans within TAT.
  • Evaluating credit proposals covering financial, business, and verifying the promoter's track record, ascertaining their creditworthiness, industrial risk, and decisioning of the loan.
  • Compliance with the repayment instrument replenishment is necessary to ensure regular repayment of EMIs.
  • Preparation of equitable mortgage deeds, understanding of credit risks, and operational risks.

Credit Executive

Repco Home Finance Ltd
Vijayawada
01.2018 - 05.2020
  • Loans for the salaried class and for business entrepreneurs against mortgage.
  • Prepared monthly financial statements and analysis reports regarding collections performance metrics.
  • Collaborated with sales team to develop strategies for managing high-risk accounts.
  • Assessed customer applications for loans or lines of credit, including evaluating creditworthiness based on established criteria.

Officer

Coastal local Area bank Ltd
Kanuru
04.2014 - 01.2018
  • Well-experienced in documentation.
  • Maintained proper daily records of monetary transactions, and performed cash management and customer service.
  • Experienced in the preparation of monthly reports and year-end reports of the branch.
  • Well-experienced in branch administration work.
  • Handled JLG loans, and project finance for builders.

Dharma Chit funds Pvt. Ltd
Vijayawada
05.2012 - 04.2014
  • Maintained accurate records of financial transactions
  • Prepared and processed invoices, payments and bank deposits.
  • Assisted in accounts receivable, payable and general ledger activities.
  • Completed reconciliations of various accounts including petty cash, credit cards and bank accounts.

Education

B.Com - General

Acharya Nagarjuna University
04.2012

Intermediate -

Andhra Loyola College
03.2009

SSC -

Brilliants High School
03.2007

Skills

  • Risk Assessments
  • Portfolio Management
  • Loan Underwriting
  • Fraud understanding
  • Team Management
  • Policy Development
  • Financial Forecasting
  • Policy Implementation

Certification

Certificate Course of Information Technology Training conducted by ICAI

Well experienced with LOS, Sales Force, Finnone and Banklink software

Accomplishments

Best employee at IDFC First Bank for Q2 and Q3, 2020-21

Selected for the international trip at Adani Capital Pvt Ltd for FY 2022-23

Promoted as area credit manager in 2024 at Tyger Capital Pvt Ltd

Languages

C1, C1, A2

References

References available upon request.

Timeline

Area Credit Manager

Tyger Capital Pvt Ltd
08.2024 - Current

Branch Credit Manager

Tyger Capital Pvt Ltd
02.2022 - 08.2024

Credit Manager - Mortgages

IDFC First Bank
05.2020 - 02.2022

Credit Executive

Repco Home Finance Ltd
01.2018 - 05.2020

Officer

Coastal local Area bank Ltd
04.2014 - 01.2018

Dharma Chit funds Pvt. Ltd
05.2012 - 04.2014

B.Com - General

Acharya Nagarjuna University

Intermediate -

Andhra Loyola College

SSC -

Brilliants High School

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NUTAKKI RADHA KRISHNA