FINACLE
Rajesh Guvva
Credit Manager
Hyderabad,Telangana
Summary
Experienced Credit Manager with strong understanding of creditworthiness and document review. Skilled at optimizing credit policies for profit and loss balance. Adept at analyzing financial data and making strategic risk mitigation decisions. Proven track record in managing credit operations for business growth.
Overview
10
10
years of professional experience
28
28
years of post-secondary education
2
2
Certifications
Work History
Credit Manager
Tata Capital Limited
Hyderabad
09.2022 - Current
- Underwriting BIL proposals diligently.
- Portfolio monitoring. Handling high value proposals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Delinquency management through PDM calling for customer who bounced EMI in last 6 months.
- Handling FI vendor and PD agency for timely reports to improve TAT.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Monitored accounts for signs of fraud and non-payment issues.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reviewed and analyzed loan procedures.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Credit Manager
ECL Finance Limited
Hyderaabad
11.2021 - 09.2022
- Reviewed and analyzed loan procedures of underwriting of Secured and unsecured SME loans
- Handled ticket size from 50lacs to 5 crores.
- Thorough analysis of financials of the companies to derive the credibility of financial position.
- Obtained and reviewed credit reports, credit references and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Monitored accounts for signs of fraud and non-payment issues.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Optimized credit approval and collection processes, improving operational efficiencies.
Credit Manager
Bandhan Bank Ltd
Hyderabad
01.2020 - 11.2021
- Appraise Business Loans
- Approval authority in Business Loans (up to 10.00 lakhs).
- Process the application as per the KYC norms and Credit Policy laid down in the Product Manual
- Scrutiny of the documents in line with the fraud control unit for validating the originality of the same
- Credit appraisal of loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
- Manage the quality of portfolio
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Monitored accounts for signs of fraud and non-payment issues.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Analyzed applicants' financial status and credit evaluations to determine loan feasibility.
Credit Underwriter
Axis Bank Ltd
Hyderabad
09.2017 - 12.2020
- Maintaining corporate credit policy guidelines recommended by RBI.
- Evaluating credit worthiness of customer’s by screening the income documents and CIBIL report.
- Coordinating with FCU and Risk teams to verify the income documents provided by customers are valid.
- Coordinating with sales team by guiding them on credit and policy parameters, in order to avoid delay approval’s and ensuring TAT is achieved.
- Sanctioning or rejecting the file after conducting risk analysis.
- Coordinating with policy team for new guidelines issued and cascading the same to team.
Process Associate
Genpact India Pvt Ltd
Hyderabad
02.2015 - 08.2017
- Working on Oracle JDE Module.
- Training fresher’s on complete process knowledge
- Work on innovative projects to improve the process quality.
- Publishing of user pendency report to circle head on daily basis.
- Preparation of finance, cancel & audit report on daily basis.
- Handling vendor query.
Education
BCOM -
Kranthi Degree College
Ramanthapur Hyderabad 07.2011 - 03.2014
Intermediate -
Loyola Junior College
Ramanthapur Hyderabad 07.2008 - 03.2010
SSC -
St Venus High School
Uppal Hyderabad 06.2001 - 03.2025
Skills
Good Judgement and decision making ability
Critical thinking
Leadership and teamwork skills
Accuracy and attention to detail
Good spoken and written communication skills
Software
FinOne
JDE
Oracle
Certification
Certification on Credit Management
Timeline
Credit Manager
Tata Capital Limited
09.2022 - Current
Credit Manager
ECL Finance Limited
11.2021 - 09.2022
Credit Manager
Bandhan Bank Ltd
01.2020 - 11.2021
Credit Underwriter
Axis Bank Ltd
09.2017 - 12.2020
Process Associate
Genpact India Pvt Ltd
02.2015 - 08.2017
BCOM -
Kranthi Degree College
07.2011 - 03.2014
Intermediate -
Loyola Junior College
07.2008 - 03.2010
SSC -
St Venus High School
06.2001 - 03.2025