Santhosh Kumar Kallepalli
Visakhapatnam
Summary
Credit with 8+ years of experience in managing home loans, LAP, and business loans. Skilled in assessing credit risk, analyzing financial data, and creating credit policies. Experienced in using modern tools for financial analysis and working with teams to manage customer risk. Strong at loan approval, improving processing times, and training staff. Focused on achieving targets and enhancing customer satisfaction.
Overview
11
11
years of professional experience
Work History
Branch Credit Manager
Kisetsu Saison Finance (India) Pvt Ltd
09.2024 - Current
- Company Overview: Finance company specializing in mortgage loan services
- Analyze financial statements and credit history to assess loan risk
- Set and enforce credit policies for the institution
- Improve financial analysis by using new computer tools
- Collaborate with analysts and advisors to understand customer risks
- Review legal and technical reports
- Monitor vendors and ensure quality processes
- Regularly review OTC and PDD documents and resolve issues
- Manage time effectively to meet targets
- Analyze bank and cash flow statements
- Maintain TAT as per company norms
- Approve loans by following policy guidelines and deadlines
- Stay updated on business promotions and policies
- Train staff on processes and systems
- Build strong relationships with sales and operations teams
- Finance company specializing in mortgage loan services
Credit Manager
Vastu Housing Finance Corporation Limited
04.2023 - 09.2024
- Company Overview: Finance corporation providing housing and loan services
- Analyze financial statements and credit history to assess loan risk
- Set and enforce credit policies for the institution
- Improve financial analysis by using new computer tools
- Collaborate with analysts and advisors to understand customer risks
- Review legal and technical reports
- Monitor vendors and ensure quality processes
- Regularly review OTC and PDD documents and resolve issues
- Manage time effectively to meet targets
- Analyze bank and cash flow statements
- Maintain TAT as per company norms
- Approve loans by following policy guidelines and deadlines
- Stay updated on business promotions and policies
- Train staff on processes and systems
- Build strong relationships with sales and operations teams
- Finance corporation providing housing and loan services
Assistant Credit Manager
Vastu Housing Finance Corporation Limited
01.2022 - 04.2023
- Company Overview: Finance corporation providing housing and loan services
- Analyze financial statements and credit history to assess loan risk
- Set and enforce credit policies for the institution
- Improve financial analysis by using new computer tools
- Collaborate with analysts and advisors to understand customer risks
- Review legal and technical reports
- Monitor vendors and ensure quality processes
- Regularly review OTC and PDD documents and resolve issues
- Manage time effectively to meet targets
- Analyze bank and cash flow statements
- Maintain TAT as per company norms
- Approve loans by following policy guidelines and deadlines
- Stay updated on business promotions and policies
- Train staff on processes and systems
- Build strong relationships with sales and operations teams
- Finance corporation providing housing and loan services
Credit Officer
Vastu Housing Finance Corporation Limited
01.2018 - 12.2021
- Company Overview: Finance corporation providing housing and loan services
- Track daily loan logins and disbursements
- Verify pre-login documents and prepare eligibility reports
- Conduct telephonic discussions with customers
- Appraise and maintain home loan and LAP files
- Monitor repayments through banking and CIBIL
- Update loan status and submit physical files to the credit team
- Support the Credit Manager with loan appraisals
- Finance corporation providing housing and loan services
Credit Process Executive
BIL- Vaithisvaran & Co. under Capital First Pvt Ltd
07.2016 - 12.2017
- Company Overview: Company focusing on credit processing for unsecured business loan services
- Verify documents for business loans and self-employed customers
- Assess repayment capacity and creditworthiness
- Update file status and submit physical files to the credit team
- Maintain daily records of loan applications
- Coordinate with Sales and Operations Managers
- Assist in resolving document or approval issues
- Follow up on pending files to ensure smooth processing
- Company focusing on credit processing for unsecured business loan services
Data Entry Operator
Sub Registor office
01.2015 - 06.2016
Housing Information Assistant
AP State Housing Corporation Ltd
12.2013 - 12.2014
Education
Post Graduation - Master of Business Administration - Finance
AU
01.2016
Graduate - Bachelor of Science in Maths, Statistics, Computer Science
01.2010
+2 -
Board of Intermediate Education, AP
01.2007
Secondary School Certificate - Class 10th
AP
01.2005
Skills
- Credit Risk Assessment
- Decision Making
- Team & Branch Management
- Financial Knowledge
- Leadership
- Customer Focus
- Loan underwriting
- Credit risk management
- Credit analysis
- Team management
- Credit evaluations
- Policy implementation
Accomplishments
- SEBI Investor Certification
- Network Security & Counter Measures Course
- Tally Certification
- PG Diploma in Computer Applications (PGDCA)
- Hardware and Networking Course
Hobbies and Interests
- Listening to Music and watching Movies.
- Spending time with family and friends.
- Browsing and learning new software and concepts.
Languages
- English
- Telugu
Personal Information
- Date of Birth: 05/25/90
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Branch Credit Manager
Kisetsu Saison Finance (India) Pvt Ltd
09.2024 - Current
Credit Manager
Vastu Housing Finance Corporation Limited
04.2023 - 09.2024
Assistant Credit Manager
Vastu Housing Finance Corporation Limited
01.2022 - 04.2023
Credit Officer
Vastu Housing Finance Corporation Limited
01.2018 - 12.2021
Credit Process Executive
BIL- Vaithisvaran & Co. under Capital First Pvt Ltd
07.2016 - 12.2017
Data Entry Operator
Sub Registor office
01.2015 - 06.2016
Housing Information Assistant
AP State Housing Corporation Ltd
12.2013 - 12.2014
Post Graduation - Master of Business Administration - Finance
AU
Graduate - Bachelor of Science in Maths, Statistics, Computer Science
+2 -
Board of Intermediate Education, AP
Secondary School Certificate - Class 10th
AP
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