Prathyusha Kapuluru
Bengaluru
Summary
Detail-oriented Credit analyst and experienced Credit Underwriter with 10+ years expertise in risk assessment, financial analysis and loan evaluation. Recognized as Best Credit Manager, skilled in Credit assessment, compliance and improving loan performance through analysis, reducing default rates effectively.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Credit Manager(Branch)
Bank of Baroda
Kolhapur
07.2024 - Current
- Handling various portfolios, like Retail Loans and Agri Advances, of a total book size of Rs. 380Crores
- Initiated, reviewed, processed, closed, and managed customer loan proposals as a Credit Analyst. Acted as an underwriter and controller throughout the loan lifecycle.
- Managing the existing advances by renewing, reviewing, monitoring, and recovering the dues/EMI of the existing loans to improve collection efficiency and control slippage to NPA/bad debts.
- Contacting the customers for the recovery of overdue accounts and NPA accounts (bad debts), and initiating legal procedures against bad debts/NPA accounts.
Branch Manager
Bank of Baroda
Bengaluru
05.2024 - 06.2024
- Headed a Branch with a 9 member staff and total business portfolio of Rs 510 Crores
- Driven business for achieving the allotted targets under all segments of business (CASA, Term Deposits, Retail Advances, MSME Advances and Agri Advances)
- Ensuring the Compliance of Bank and Regulatory guidelines
- Cross selling third products (Life insurance, General Insurance, Mutual Funds)
- Managed the existing Advances portfolio by Reviewing, Monitoring and Recovering the dues/EMI on time to avoid slippage into NPA
- Credit Monitoring and recovery of Overdue amount (in both Standard loans and Bad Debts) and Initiated Legal Procedures against Bad Debts/NPA Accounts
- Engaged with various clients, drove business from retail to corporate
Regional Credit Manager (Regional Office)
Bank of Baroda
Bangalore
10.2019 - 05.2024
- Underwriting of retail and SME loan proposals under regional, zonal, and corporate offices' discretionary lending power.
- Instrumental in establishing a new region with 87 branches post-merger of Vijaya Bank and Dena Bank into Bank of Baroda (in 2019).
- Provided comprehensive guidance on credit decisions and proposal underwriting for the branches.
- Efficiently managed and mentored a team of three credit officers, fostering their growth into high-performing professionals within the department.
- Conducted training to bridge the knowledge gap, integrated bank cultures, and imparted Finacle 7 and 10 Core Banking Solution (CBS) skills.
- Onboarded 47 auto dealers, 152 DSAs, and approved 180 housing projects to generate leads, resulting in our region securing and maintaining the 1st position pan India.
- Achieved exceptional results in evaluating applicant creditworthiness, analyzing financial data, and ensuring compliance as a Credit Underwriter, contributing to effective risk management strategies.
- Received Employee of the Month award for four times during my tenure, acknowledging my consistent excellence and contributions to the organization.
Head of Credit
Bank of Baroda
Bangalore
07.2019 - 10.2019
- Led a team of 2 Credit Officers and managed a branch with an advance’s portfolio of Rs. 300 Crores
- Processed, sanctioned, and monitored advances such as housing loans, car loans, education loans, personal loans, and MSME loans as Credit Analyst/Underwriter.
- Acted as an underwriter and controller throughout the loan lifecycle
- Managed the existing advances portfolio by reviewing, monitoring and recovering dues/EMIs on time to improve collection efficiency and avoid slippage into NPA. Initiated Legal procedures in NPA/Bad Debt Accounts.
- Managed various branch audits, ensuring low-risk scores in concurrent, credit, legal, internal, and statutory audits
Joint Manager & Credit Officer
Bank of Baroda
Bangalore
07.2018 - 06.2019
- Led an operations team of five members, ensuring on-time delivery of customer service.
- Managed a diverse branch portfolio, including Branch Operations, mobilizing CASA, and Wealth Management functions.
- Served as Credit Officer, overseeing the advances portfolio growth of Rs. 200 crores, and monitoring existing loan accounts of the branch.
- Increased customer base by over 23% through personalized service delivery based on their needs and preferences.
- Managed the existing advances portfolio by reviewing, monitoring, and recovering dues/EMIs on time to improve collection efficiency and avoid slippage into NPA.
Credit Officer
Bank of Baroda
Bangalore
06.2014 - 07.2018
- Initiated, reviewed, processed, closed, and managed customer loan proposals as a Credit Analyst/Credit Underwriter.
- Optimized credit approval and collection processes, which resulted in improved operational efficiencies.
- Managed various branch audits, ensuring low-risk scores in concurrent, credit, legal, internal, and statutory audits.
- Acted as a Customer Relationship Manager and provided end-to-end service.
- Managed a total advances portfolio of Rs. 80 crores.
- Managed the existing advances portfolio by reviewing, monitoring, and recovering dues/EMIs on time to improve collection efficiency and avoid slippage into NPA. Initiating legal procedure on NPA/Bad Debt accounts.
Assistant Branch Manager
ICICI Bank
Hyderabad
11.2011 - 06.2012
- Handled Privilege Banking, NRI Banking Services and Gold Loan Portfolio
Education
Post Graduate4 Diploma in Banking -
Manipal University
11.2011
B.Tech - Information Technology
Koneru Lakshmaiah College of Engineering
Vijayawada05.2010
Skills
- Financial Statement Analysis
- Loan underwriting expertise
- Credit Risk Assessment
- Portfolio management
- Core Banking Solutions – Finacle
- Customer Relationship Management
- Credit monitoring and NPA/bad debt recovery
- Regulatory compliance
- Retail Banking, SME Banking, and Wholesale Banking
- Policy implementation
- Team management
- Communication
- Decision Making
- Problem solving
- MS Office applications (Word, Excel, PowerPoint, etc)
Languages
- English
- Telugu
- Kannada
- Hindi
Certification
- Certificate in Commercial Credit, Moody's Analytics
- JAIIB Certified by Indian Institute of Banking & Finance
Languages
English
First Language
Telugu
Proficient (C2)
C2
Hindi
Upper Intermediate (B2)
B2
Kannada
Intermediate (B1)
B1
Accomplishments
- Awarded Best Employee of the Month for 9 times
Timeline
Credit Manager(Branch)
Bank of Baroda
07.2024 - Current
Branch Manager
Bank of Baroda
05.2024 - 06.2024
Regional Credit Manager (Regional Office)
Bank of Baroda
10.2019 - 05.2024
Head of Credit
Bank of Baroda
07.2019 - 10.2019
Joint Manager & Credit Officer
Bank of Baroda
07.2018 - 06.2019
Credit Officer
Bank of Baroda
06.2014 - 07.2018
Assistant Branch Manager
ICICI Bank
11.2011 - 06.2012
Post Graduate4 Diploma in Banking -
Manipal University
B.Tech - Information Technology
Koneru Lakshmaiah College of Engineering
Similar Profiles
Shrishti RathoreShrishti Rathore
Senior Executive at BARODA GLOBAL SHARED SERVICE WHOLLY OWNED BY BANK OF BARODASenior Executive at BARODA GLOBAL SHARED SERVICE WHOLLY OWNED BY BANK OF BARODA
Rekha SundavadraRekha Sundavadra
Executive at Bank of Baroda (Baroda Global Shared Services Ltd)Executive at Bank of Baroda (Baroda Global Shared Services Ltd)
Abhimanyu SinghAbhimanyu Singh
Senior Executive at BARODA GLOBAL SHARED SEVICES(BANK OF BARODA)Senior Executive at BARODA GLOBAL SHARED SEVICES(BANK OF BARODA)
Shelly AryaShelly Arya
Officer at Bank of BarodaOfficer at Bank of Baroda
VIDYA SAGARVIDYA SAGAR
Software Engineering Technical Leader at CiscoSoftware Engineering Technical Leader at Cisco