Santhosh Adulla
Hyderabad
Summary
Knowledgeable and Analytical Risk Professional equipped with in-depth understanding of financial Statements, Local governance Policies, Risk Assessment. Focused on helping organizations in limiting the Counterparty Risks and balance risk against reward for optimal decision-making. Easily handles complex data to understand potential impacts, break down risk and develop recommendations.
Overview
6
6
years of professional experience
3
3
Languages
Work History
Cluster Credit Manager
Oxyzo Financial Services Ltd
05.2020 - Current
- Exposure to various Funding Facilities like LAP, WCTL, BL, PF, SBD, DLPF and SPF against BG,Work Order Financing etc..
- Provided Unsecured Funding to few major leading players in various sectors like Steel, Parma, Infra, FMCG & others
- Maximum ticket size of Rs.10cr Unsecured BL & Secured Limit Rs.25 cr
- Preparing a detailed credit analysis report, presenting in the committee & resolving CRC queries on an Immediate Basis
- Apart from Oxyzo Financial Services, I handle Credit Underwriting for the group companies of Ofbusiness in the South and East regions, including Buyer Underwriting, Import & Export Underwriting, Supplier Advances Underwriting, and overall Portfolio Risk Monitoring.
Credit Analyst
Poonawalla Finance Private Limited
06.2019 - 03.2020
- Reviewing The all credit proposals by analyzing the client creditworthiness, business strength, market credibility,
Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance &
adherence to other internal credit norms
• Submit Credit Appraisal Memo to the Credit Manager for each proposal highlighting the key risks associated with
the borrower to enable a prudent credit lending decision
• Ensure document execution from RMs & the handover of complete documentation to Operations team for
disbursement of loans.
Credit Analyst-Internship
Aditya Birla Finance
01.2019 - 04.2019
- Ensure The Proper Documentation Before Log in the File
- • Preparation Of Loan Eligibility Sheet (Credit Assessment Memo)
Education
MBA - International Finance
Amity University
Delhi, India 04.2001 -
Bachelor of Commerce - Accounting And Finance
Osmania University
Hyderabad 04.2001 -
CA-IPCC(G-1) -
ICAI
Hyderabad, India 04.2001 -
CA-CPT -
ICAI
Hyderabad, India 04.2001 -
High School Diploma -
Tapasya Junior College
Hyderabad, India 04.2001 -
Skills
Teamwork and Collaboration
Reliability
Continuous Improvement
Team building
Exposure Assessment
Project evaluation
Market Risk Analysis
Time Management
Risk analysis training
Timeline
Cluster Credit Manager
Oxyzo Financial Services Ltd
05.2020 - Current
Credit Analyst
Poonawalla Finance Private Limited
06.2019 - 03.2020
Credit Analyst-Internship
Aditya Birla Finance
01.2019 - 04.2019
MBA - International Finance
Amity University
04.2001 -
Bachelor of Commerce - Accounting And Finance
Osmania University
04.2001 -
CA-IPCC(G-1) -
ICAI
04.2001 -
CA-CPT -
ICAI
04.2001 -
High School Diploma -
Tapasya Junior College
04.2001 -