Ravindranandh Nagulla
Hyderabad
Summary
Chartered Accountant with 7.5 years of experience in credit underwriting and decision-making. Proven expertise in evaluating credit proposals, risk assessment, and structuring deals. Experienced Team Lead managing 5 members, with strong analytical and leadership skills.
Overview
14
14
years of professional experience
Work History
State Credit Head (APTS)
Oxyzo Financial Services Limited
Hyderabad
04.2021 - Current
- Supervising underwriting operations across the entire APTS region with a team of 2 Cluster Credit Managers and 3 Credit Analysts
- Performing Probability of Default (PD) and underwriting processes for High-Value Transactions (HVT) cases.
- Making credit decisions within delegated authority and reviewing underwriting cases for Business Loans, Purchase Finance, WCTL and against Property (LAP) through financial assessment, CAM preparation, and credit note creation.
- Managing cluster profitability by enhancing portfolio quality and reviewing Early Delinquency (ED) cases.
- Monitoring branch performance based on risk parameters and cluster business.
- Conducting regular training sessions for sales and credit teams on product features and policies.
- Organizing meetings with associates to provide product insights and boost business volumes
Credit Manager
Aditya Birla Finance Limited
Hyderabad
02.2020 - 04.2021
- Managing the operations from file login to disbursement
- Analyzing financials and underwriting and decision-making on viability of business
- Evaluating credit worthiness of the borrower
- Conducting personal discussions and sending proposals for approval
- Ensuring all lending procedures comply with the regulations
- Training CPA’s and other off-role employees regarding policies and compliances
- All other MIS reporting, follow up and continuous monitoring
Credit Manager
Kotak Mahindra Bank
Hyderabad
07.2018 - 02.2020
- Credit appraisal of loan applications within defined guidelines and decision/recommendation for approval
- Underwriting cases with desired level of quality and enabling achievement of branch business target
- Evaluating proposals of customers for business loans
- Using performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness
- Interacting with customers to understand business and regularly monitor delinquencies
- Decision making within defined TAT
- Understanding property-related knowledge (like legal title and market value of property)
- Managing a team of CPAs
- Coordinating with sales, operations, legal, technical and customer service
Article Assistant
NRG & CO
Hyderabad
04.2012 - 05.2016
- Handled statutory audits: Finalization of books of accounts, knowledge of applicability of Accounting Standards
- Handled tax audits: Compliance under Sec 44AB of Income Tax Act, 1961
- Prepared financial statements for small corporates and compliance with Accounting Standards • ROC compliance: Filing of annual forms with Registrar and other related works
Education
Institute of Chartered Accountants of India
New Delhi12-2018
Institute of Cost Accountants of India
Kolkata05-2018
Skills
- Credit analysis
- Risk assessment
- Financial statement review
- Creditworthiness evaluation
- Compliance management
- Team leadership
- Collateral evaluation
- Credit risk assessment
- Teamwork and collaboration
- Credit Structuring
Languages
Telugu
First Language
English
Proficient (C2)
C2
Hindi
Beginner
A1
Accomplishments
- Best Underwriter Award in 2022 and 2024
- Received the best applause from the CEO for the presentation
Timeline
State Credit Head (APTS)
Oxyzo Financial Services Limited
04.2021 - Current
Credit Manager
Aditya Birla Finance Limited
02.2020 - 04.2021
Credit Manager
Kotak Mahindra Bank
07.2018 - 02.2020
Article Assistant
NRG & CO
04.2012 - 05.2016
Institute of Chartered Accountants of India
Institute of Cost Accountants of India