R Software
Sai Kiran Chillapalli
Branch Credit Manager
Narsapur
Summary
Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including salesforce and Finnone. Bringing 4 -year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Overview
4
4
years of professional experience
8
8
years of post-secondary education
Work History
Branch Credit Manager
Idfc First Bank Ltd
Narsapur
10.2022 - Current
- Led team of 8 staff.
- Held sales coaching sessions.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Referred delinquent accounts to collections department or outside resources.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reviewed more than 400 financial statements per month.
- Monitored accounts for signs of fraud and non-payment issues.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Reviewed and analyzed loan procedures.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Credit Manager
Bajaj Finance Ltd
Rajahmundry
02.2022 - 10.2022
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Developed strategies to expedite payments and customer resolutions.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Conducted ongoing reviews to monitor portfolio performance and identify strong and weak areas.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Executed risk assessment programs to identify and quantify risks and associated controls.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Exceeded goals through effective task prioritization and great work ethic.
Customer Service Manager
Indusind Bank Ltd
Jangareddygudem
01.2020 - 02.2022
- Supervised employees and assessed performances to determine training needs and define accurate plans for decreasing process lags.
- Introduced higher standards for customer service and increased efficiency by streamlining operations.
- Developed and offered unique discount options to drive interest in new product lines.
- Generated customer satisfaction surveys to analyze results into action plans.
- Resolved customer complaints while prioritizing customer satisfaction and loyalty.
- Developed service procedures, policies and standards.
- Took ownership of customer issues and followed problems through to resolution.
- Collected customer feedback and made process changes to exceed customer satisfaction goals.
- Monitored customer service operations to assess agent performance and provide feedback.
- Trained employees on proper procedures and strategies to improve productivity.
- Maintained branch files for major accounts, investments and employees.
- Performed monthly compliance checks.
- Completed daily Bank Secrecy Act reports.
- Set up and supervised cash shipments.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Gathered and reviewed customer feedback to improve operations.
- Examined customer loan applications for loan approvals and denials.
- Maintained friendly and professional customer interactions.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Teller
Axis Bank Ltd
Kakinada
09.2018 - 12.2019
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Educated customers on use of banking website and mobile apps.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Processed customer transactions promptly, minimizing wait times.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Answered telephone inquiries on checking and savings accounts, loans and lines of credit.
- Stocked supplies for customers and personal teller station.
- Executed wire transfers, stop payments and account transfers.
- Handled various accounting transactions.
- Established rapport with new clients to increase satisfaction and loyalty.
- Exceeded goals through effective task prioritization and great work ethic.
- Developed and maintained courteous and effective working relationships.
- Verified amount of cash in cash drawer against day's receipts, quickly identifying errors.
- Replenished ATM funds in empty canisters prior to validation process.
- Mentored newly hired team members on appropriate responses to patron questions.
- Counted, verified and handled bank deposits and armored car transactions.
- Processed quarterly vault and ATM audits with zero error rate.
- Compiled general ledger entries on short schedule with 100% accuracy.
- Completed audit papers by thoroughly documenting audit tests and findings.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
- Identified audit risks, prepared budgets and coordinated with management and audit team in preparing related reports.
- Collaborated with accounting manager to comply with governing bodies and limit regulatory risks.
- Computed taxes owed by applying prescribed rates, laws and regulations.
- Tracked funds, prepared deposits and reconciled accounts.
- Collected and reported monthly expense variances and explanations.
Education
MBA - Finance
K.L. University
Vaddeswaram,Guntur 06.2016 - 03.2018
Bachelor of Technology - Mechanical Engineering
Sasi Institute Of Technology And Engineering
Tadepalligudem 08.2011 - 03.2015
Intermediate - MPC
SKVS Junior College
Tadigadapa,Vijayawada 03.2009 - 03.2011
SSC - SSC
City High School
Chintalapudi 03.2008 - 03.2009
Skills
Investigations
Credit reports
Policy application
Proficient in English,Telugu languages
Fraud knowledge
Risk mitigation
Performance monitoring
Financial analysis and reporting
Staff Management
Strategic and financial planning
Compliance, banking laws and regulations
Night and safe deposit procedures
NCR Cash recycler
Excellent time management skills
Cash Handling
Cash handling expertise
Complex problem-solving
Quality control
Inter-department collaboration
Customer Relationship Management Software (CRM)
Shipping, receiving and warehousing
Effective problem solver
Research and due diligence
Logistics policies and procedures
Exceptional telephone etiquette
Administrative support
Account management
Microsoft Outlook, Word and Excel
Complaint resolution
Negotiation expert
Adherence to high customer service standards
Purchasing and procurement
Customer Relations
Critical Thinking
Decision-Making
Accomplishments
- Documented and resolved 120 Fraud cases which led to saving of 1.85 crores to company.
- Supervised team of 20 staff members.
- Collaborated with team of 7 in the development of Risk Free Loans.
Software
One Among Top 25 Members for Funded NTB CASA Named “SPARTANS” (Operations Channel) in Pan India, Cer
One Among Top 25 Members for Funded NTB CASA Named “SPARTANS” (Operations Channel) in Pan
India, Certificate of Excellence-2021 And Shield From Head (Branch Banking), Head (National Liabilities
Sales)
Timeline
Branch Credit Manager
Idfc First Bank Ltd
10.2022 - Current
Credit Manager
Bajaj Finance Ltd
02.2022 - 10.2022
Customer Service Manager
Indusind Bank Ltd
01.2020 - 02.2022
Teller
Axis Bank Ltd
09.2018 - 12.2019
MBA - Finance
K.L. University
06.2016 - 03.2018
Bachelor of Technology - Mechanical Engineering
Sasi Institute Of Technology And Engineering
08.2011 - 03.2015
Intermediate - MPC
SKVS Junior College
03.2009 - 03.2011
SSC - SSC
City High School
03.2008 - 03.2009