SAI PADMAJA M
Hyderabad
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Deputy Credit Manager- Unsecured Loans
ICICI Bank
08.2023 - Current
- Reviewed and analyzed loan procedures.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Maintaining TAT for quick approvals, decision more than 100 files per day.
- Managing the team of 50 members in Consumer Finance department as an FPR by maintaining the TAT and giving reminders for quick decision the files of every Credit Manager as per policy.
Assistant Credit Manager- Personal Loans
Credit Vidya (Info Credit Services Pvt Ltd)
07.2021 - 04.2023
- Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources, financial and non-financial analysis. Verifying the information provided by the customers and conducting personal discussion with the client.
- Create procedures for approving/rejecting loans, negotiating with customer/sales.
- Responsible for Screening and processing of files sourced by sales team in line with credit policy.
- Maintaining TAT for quick approvals, decision more than 60 files per day.
- Obtain mandatory documents and reports as per KYC requirements.
- Conducting extensive searches on the internet and collating additional information of an organization and individual being verified.
- Periodical review of KYC records to completeness, including verifying that due diligence has been performed.
- Perform required KYC screenings on customers documenting the information obtained on the clients as required by global KYC procedure.
Credit Manager - Personal Loans
Indiabulls Consumer Finance Limited
11.2017 - 07.2020
- Credit appraisal of proposals & recommendations under laid policy frame work and guidelines.
- Ensuring all the credit proposals are processed within stipulated TAT.
- Processing of the loan applications with minimized errors in proposal related to exposure, customer profile, and other prescribed guidelines.
- Preparing Rejection MIS and apprising of negative cases in NCIF data base.
- Delinquency analysis and portfolio review
- Evaluate the creditworthiness of potential customers, create procedures for approving/rejecting loans, negotiating with customer/sales.
- Understanding of CIBIL and other checks performed to check customers Credibility
- Assessment of customers Business, Financial strength, and repayment capacity based on appraisal, documents submitted like FI reports, CIBIL etc.
- Underwriting loan applications through TVR (telephone verification), analysis of personal profile, documents and financial ratios, CIBIL analysis, Bank Statement Analysis,coordination with different teams and accordingly decision the
loans. - Ensure adherence to KYC/AML screening requirements of organization.
- Used Finn One and Salesforce software's to perform credit appraisals, document verification and loan approvals.
- Maintained a database of all borrowers in accordance with company standards and preparing MIS reports.
- Performed internal audits of credit and loan procedures.
Education
MBA - Finance
Sasi Institute of Technology And Engineering
B.Com - Computers
Aditya Degree College For Women
Intermediate - Commerce And Economics
Vikas Junior College
S.S.C -
St.Ann's School
Skills
- Ul>
- Quantitative Analytics
- P>Credit Appraisal
- P>Fraud Control
- P>Risk Mitigation
- P>Transaction Monitoring
- P>Able to meet Deadlines
- P>Credit Reporting
- P>Credit Policy
- P>Compliance
- P>Excellent Negotiation Skills
- P>Pressure Handling
- P>Customer Satisfaction
- P>Attention to Detail
- P>Loan Processing
- P>Loan Operations
- P>Financial Due Diligence
- P>Interpersonal Skills
- P>Credit Risk
- P>Lending Operations
- P>Decision Making
- P>Data Analysis
- P>Credit Analysis
- P>Debt Recovery
Certification
Credit skills for Bankers-Retail Lending by Moody's Analytics
Timeline
Deputy Credit Manager- Unsecured Loans
ICICI Bank
08.2023 - Current
Assistant Credit Manager- Personal Loans
Credit Vidya (Info Credit Services Pvt Ltd)
07.2021 - 04.2023
Credit Manager - Personal Loans
Indiabulls Consumer Finance Limited
11.2017 - 07.2020
MBA - Finance
Sasi Institute of Technology And Engineering
B.Com - Computers
Aditya Degree College For Women
Intermediate - Commerce And Economics
Vikas Junior College
S.S.C -
St.Ann's School
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