Pranita Singada
Manager Canara Bank
Hyderabad
Summary
Dynamic Credit Review Officer with a proven track record at Canara Bank, excelling in credit analysis and risk assessments. Enhanced portfolio quality through innovative risk management techniques while fostering teamwork and mentoring junior staff. Recognized for maintaining low delinquency rates and promoting a strong risk culture within the organization.
Professional with experience in credit analysis and risk assessment. Strong analytical skills, expertise in financial statements, and adept at identifying creditworthiness. Known for effective collaboration and reliable in adapting to changing needs. Results-focused, with commitment to achieving organizational objectives through thorough review processes and sound judgment.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Review Officer
Canara Bank
Bhimavaram
06.2023 - Current
- Contributed significantly to the development of training materials for both internal staff members and clients regarding credit management best practices.
- Refined processes to improve efficiency in credit evaluations.
- Mentored junior Credit Review Officers, improving overall team performance and knowledge sharing.
- Promoted transparency and accountability by regularly presenting credit review findings to senior management and relevant committees.
- Leveraged understanding of commercial credit principles and strong analytical skills to make accurate credit risk decisions.
- Applied risk policies consistently following firm-wide standards.
- Played an active role in system implementation projects, enhancing the overall effectiveness of credit risk management tools and processes.
- Enhanced portfolio quality by identifying potential risks and recommending appropriate mitigating measures.
- Improved credit review processes by implementing new risk assessment techniques and tools.
- Promoted a strong risk culture within the organization through regular communication on credit issues and emerging trends.
- Consistently maintained a low rate of delinquency with close monitoring of credit exposures and early warning signals.
- Managed diverse portfolios across various industries, demonstrating adaptability and thorough understanding of different sectors'' risk profiles.
- Spearheaded initiatives to automate manual tasks, enhancing efficiency in the credit review process.
- Led regular portfolio reviews to proactively identify problem accounts for prompt remedial actions, minimizing losses due to default events.
- Assisted in developing stress testing scenarios and recovery plans for the credit portfolio, ensuring resilience in adverse market conditions.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Kept records of customers' charges and payments.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Provided valuable insights to senior management on potential business risks identified during audits.
- Consistently met deadlines for audit reports, helping maintain company reputation for reliability and professionalism.
- Gathered and analyzed financial data to determine improvement efforts.
- Reduced financial discrepancies through thorough analysis of company financial statements and records.
- Tracked funds, prepared deposits and reconciled accounts.
- Compiled general ledger entries on short schedule with 100% accuracy.
Branch Operations Manager
Canara Bank
Hyderabad
06.2022 - 04.2023
- Managed daily branch operations for optimal productivity and customer satisfaction.
- Supervised a team of employees, fostering a positive work environment and emphasizing professional growth.
- Contributed to ongoing process improvements that led to increased efficiency across various aspects of branch operations.
- Performed monthly compliance checks.
- Monitored financial transactions to detect any suspicious activity or potential fraud.
- Improved branch efficiency by streamlining operations and implementing new processes.
- Conducted regular performance evaluations for staff members, identifying areas for improvement and opportunities for advancement.
- Organized staff schedules to ensure adequate coverage during peak business hours while maintaining employee satisfaction.
- Increased client and supplier satisfaction by solving complex issues with efficient resolutions.
- Collaborated with senior management to create strategic plans for future branch growth and expansion.
- Overhauled outdated operational procedures to increase branch effectiveness and reduce errors.
- Maintained friendly and professional customer interactions.
- Coordinated special events at the branch location which resulted in increased foot traffic.
- Streamlined communication between departments, improving collaboration efforts within the company as well as problem resolution times.
- Oversaw inventory management processes, ensuring accurate records and timely reordering for optimum stock levels.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Reviewed general ledger transactions to identify errors or irregular entries.
- Completed audits in accordance with regulations and procedures.
- Supported senior auditors in the preparation of detailed reports for management, outlining key findings and areas for improvement.
- Assessed financial statements and records.
- Supported the completion of high-quality audits with diligent documentation and attention to detail.
- Conducted efficient audits by utilizing various software tools to analyze financial data quickly and accurately.
CASA Officer
Canara Bank
Hyderabad
06.2017 - 06.2022
- Oversaw liquidity and cash management operations.
- Monitored counterfeit bill detection efforts, ensuring adherence to established security protocols in each transaction.
- Increased team productivity by training new employees on proper cash handling procedures and best practices.
- Ensured seamless customer experience through accurate processing of large volume cash transactions during peak hours.
- Enhanced operational efficiency by consistently reconciling daily transactions and resolving discrepancies.
- Collaborated with team members to maintain a secure work environment, implementing loss prevention measures as necessary.
- Improved customer satisfaction by efficiently processing cash transactions and providing prompt service.
- Produced monthly departmental headcount reports and analysis to compare actual budget and prior year results.
- Streamlined transaction processes with the implementation of new technologies for faster service delivery to clients.
- Supported branch operations by conducting regular audits of cash drawers and vaults, ensuring accuracy and compliance.
- Addressed client concerns with empathy, providing solutions that enhanced overall satisfaction levels.
- Managed ATM servicing tasks such as replenishing funds, troubleshooting issues, and coordinating maintenance support when needed.
- Participated in regular staff meetings to discuss process improvements, share insights from daily experiences, and foster teamwork.
- Contributed to branch revenue growth through cross-selling banking products during customer interactions.
- Cultivated positive relationships with clients while maintaining their privacy and confidentiality at all times.
- Mitigated risk of fraud by diligently verifying customer identification for high-dollar-amount transactions.
- Strengthened internal controls by adhering to company policies and regulatory guidelines during cash handling activities.
- Identified gaps in market to spot opportunities to create value propositions.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Developed strategic plans for day-to-day financial operations.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Supported financial director with special projects and additional job duties.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
Associate Software Engineer
Adea Solutions
Hyderabad
06.2007 - 06.2009
- Software Developer • Software Engineer • Adea
Technologies Pvt. Ltd.
Involved, analysis, design, development, implementation, testing
and documentation of Client/Server and web/windows based
applications.
Expertise in Object Oriented Design Methodology.
Proficient in application development with web technologies,
internet/intranet and client server platforms.
Thorough knowledge and experience in following web development
languages including HTML, XML, ASP.NET, VB.NET, C#,
JavaScript, etc.,
Hands on Experience with Data Access methods like ADO.NET
Database experience in MS SQL Server 2005, 2000.
Strong SQL and PL/SQL programming skills.
Highly motivated and analytical team player with aptitude for
creative problem-solving and troubleshooting, excellent
communication skills and interpersonal skills
Core Competencies – Technical Skills
Platforms
Windows 2003, XP, 2000, NT
Tools
Visual Studio 2008, 2005, 2003, Visual Source Safe
Database
MS SQL Server 2005, 2000
Languages/Concepts
VB.Net, C#, ASP.Net, T-SQL, HTML, XML and AJAX,JAVA,PYTHON - Collaborated with cross-functional teams to develop, test, and deploy high-quality software solutions for clients.
- Participated in sprint planning sessions by estimating task complexity and prioritizing work items.
- Enhanced application performance through optimization of algorithms and data structures.
- Developed well-organized training materials for end-users, enabling seamless adoption of new software features.
- Authored code fixes and enhancements for inclusion in future code releases and patches.
- Analyzed work to generate logic for new systems, procedures and tests.
- Designed and implemented scalable applications for data extraction and analysis.
- Tested and deployed scalable and highly available software products.
- Designed and developed forward-thinking systems that meet user needs and improve productivity.
- Developed next generation integration platform for internal applications.
- Documented software development methodologies in technical manuals to be used by IT personnel in future projects.
- Tested functional compliance of company products.
- Proved successful working within tight deadlines and a fast-paced environment.
Education
B.E - Electrical And Electronics Engineering
Osmania University
Hyderabad04.2007
Skills
Documentation review
Certification
Google project management
Timeline
Google project management
01-2026
Credit Review Officer
Canara Bank
06.2023 - Current
Branch Operations Manager
Canara Bank
06.2022 - 04.2023
CASA Officer
Canara Bank
06.2017 - 06.2022
Associate Software Engineer
Adea Solutions
06.2007 - 06.2009
B.E - Electrical And Electronics Engineering
Osmania University