RAMA VENKATA SURESH KUMAR BANKUPALLI
SRIKAKULAM
Summary
To seek a position where I can be a continuous learner and deliver my role and responsibility to excel myself and also help by team members to learn and grow along with the organization. Work Profile Having HL and LAP experience of 7 years Good at assessment of customers in Affordable Home/LAP and have 14 years of experience in lending indurstry. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
15
15
years of professional experience
Work History
Credit Management
IndusInd Bank Ltd, Vistaar Financial Services Pvt Ltd, Finance Bank Ltd, Shriram Transport Finance Co Ltd
- Handling multiple branches (Srikakulam, Vizag and Rajahmundry) for logins and processing HL/LAP proposals.
- Verifying CIBIL and Equifax reports before PD
- Initiating for F.I, RCU and CA PD and property valuations and legal scrutiny
- Doing PDs and assessing business of the customer and verification of documents and TRC
- Scrutinizing customers Property Documents, verifying property details through CERSAI, bank account statements, ITRs and bills for income assessment as per credit policy
- Verifying Loan Track Records of customers and preparing DPD sheets
- Preparation of Credit Tools and sending for recommendations
- Processing approvals through system
- Scrutinizing proposal documents before dispatching to ops and clearing queries for disbursement
- Attending SROs at the time of registrations and handover of disbursement cheques
- Making follow up and educating customers for making timely collections to maintain healthy portfolio of the branch
- Preparing reports and providing to superior’s time to time
- Educating sales team time to time on changes and updates of the policy and procedures
- Vehicle Loans Sales and Recovery and responsible for lending and recovery in assigned territory of Srikakulam, Parvathipuram, Rayagada (Odisha) locations at Shiram Transport Finance Co Ltd.
- Conducting Loan Campaigns and other promotional activities
- Recognized in cluster for guidance and coordinating for new comers and resolving their issues in IndusInd Bank Ltd
- Succeeded in team handling and penetrating Companies new products and initiatives into the market.
Deputy Manager Level 2
IndusInd Bank Ltd, Affordable Home Loans
Visakhapatnam and SRIKAKULAM
09.2019 - Current
- Introduced new methods, practices, and systems to reduce turnaround time.
- Eliminated functional bottlenecks by streamlining process.
- Pursued every opportunity to learn about Affordable Home Loans business at all levels and improve team member support.
- Skilled at working independently and collaboratively in a team environment.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Self-motivated, with a strong sense of personal responsibility.
- Developed strong organizational and communication skills through coursework and volunteer activities.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Worked well in a team setting, providing support and guidance.
- Worked flexible hours across night, weekend and holiday shifts.
Manager
Vistaar Financial Services Private Ltd, Business Mortgage Loans
Srikakulam and Vizianagaram
09.2017 - 09.2019
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Accomplished multiple tasks within established timeframes.
- Onboarded new employees with training and new hire documentation.
- Maintained professional, organized, and safe environment for employees and patrons.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Organized and finalized loan applications for underwriter review.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Deputy Manager
Equitas Small Finance Bank (ESFB) Ltd
Srikakulam
02.2017 - 11.2017
- conducted PDs and underwriting for commercial vehicle proposals.
- Analyzing customer's credit worthiness.
- Evaluating repayment track records of the applicants of commercial vehicle loans.
- Maintaining portfolio and reducing deliquent customers.
- Preparing daily MIS reports and reporting to higher authorities.
Branch Team Leader
Shriram Transport Finance Corporation (STFC) Ltd
Visakhapatnam, Vizianagaram and Srikakulam
06.2008 - 04.2017
- 8 years, various roles such as credit analysis & risk management, sales & recovery of commercial vehicle loans, administrative responsibility, team management and customer relation & queries-worked as Deputy Manager
- Consulted with customers to resolve basic issues or direct to correct staff member.
- Motivated, trained and disciplined employees to meet performance benchmarks.
- Collaborated with other supervisors to coordinate activities of individual team members and departments.
Education
N.C.C. “C” certificate holder and ranked as corporal -
Bachelor’s degree - undefined
Masters of Business Administration (MBA) - Marketing
Raghu Engineering College
Visakhapatnam06.2008
Bachelor of Sciences (BSC) - Mathematics, Physics, and Chemistry
Chaitanya E.S. Degree College
SRIKAKULAM 03.2006
XII - MPC stream
Samskara Bharathi Junior College
Sompeta, Srikakulam Dist03.2003
X -
Govt High School
Sompeta, Srikakulam Dist03.2001
Skills
- Collection Calls
- Customer Discussions
- Loan Approval
- Income Assessments
- Customer Support
- Service Delivery
- Customer Needs Assessments
- Pre-Approval Process
- Home Inspections
- Customer Proposals
- Risk Mitigation Strategies
- Property Evaluation
- Motivational Techniques
- Excellent Team Leadership
- Loan Processing
- Credit Evaluation
- Financial Document Review
- Income Verification
Accomplishments
- Succeeded in getting new companies or products into the market
- Succeeded in coordinating with HO for various administrative issues at branch level.
- Have capability of handling multiple branches with less resources and completing tasks with accuracy and efficiency.
Languages
Telugu
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Deputy Manager Level 2
IndusInd Bank Ltd, Affordable Home Loans
09.2019 - Current
Manager
Vistaar Financial Services Private Ltd, Business Mortgage Loans
09.2017 - 09.2019
Deputy Manager
Equitas Small Finance Bank (ESFB) Ltd
02.2017 - 11.2017
Branch Team Leader
Shriram Transport Finance Corporation (STFC) Ltd
06.2008 - 04.2017
Credit Management
IndusInd Bank Ltd, Vistaar Financial Services Pvt Ltd, Finance Bank Ltd, Shriram Transport Finance Co Ltd
N.C.C. “C” certificate holder and ranked as corporal -
Bachelor’s degree - undefined
Masters of Business Administration (MBA) - Marketing
Raghu Engineering College
Bachelor of Sciences (BSC) - Mathematics, Physics, and Chemistry
Chaitanya E.S. Degree College
XII - MPC stream
Samskara Bharathi Junior College
X -
Govt High School
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