Summary
Overview
Work History
Education
Skills
Languages
Accomplishments
Timeline
Generic

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 Delhi
12-2018

Institute of Cost Accountants of India
Kolkata
05-2018

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
Ravindranandh Nagulla