Santosh Binaram
Hyderabad
Summary
Results-driven Credit Management and Risk & Compliance professional with over 8 years of experience in the banking sector. Demonstrated expertise in developing credit policies, ensuring regulatory compliance, and mitigating financial risks. Highly skilled in KYC validation and suspicious transaction escalation, with a strong track record in cross-functional collaboration and process improvement. Committed to leveraging analytical skills to enhance operational performance and drive team success.
Overview
14
14
years of professional experience
Work History
Credit Manager
ICICI Bank
Hyderabad
08.2016 - Current
- Evaluated and assessed the creditworthiness of potential clients by analyzing financial statements, credit reports, and other relevant data, determining appropriate credit limits, and payment terms.
- Developed and enforced credit policies and procedures to minimize risk while supporting business growth, ensuring compliance with internal and regulatory standards.
- Oversaw the monitoring of overdue accounts, ensuring timely collections, and collaborated with the sales team to resolve payment disputes, and maintain strong customer relationships.
- Prepared and presented regular reports on credit portfolio performance, aging accounts, and cash flow projections to senior management, providing actionable insights to improve financial stability.
- Worked closely with sales, finance, and legal teams to align credit decisions with business goals, ensuring accurate billing, and managing risk while supporting revenue generation.
- Maintained consistency and clarity in all communications, avoiding industry jargon to ensure understanding across departments.
- Diligently proofread all reports and documentation to ensure accuracy and professionalism, contributing to informed decision-making.
Risk Analyst
ICICI Bank
Hyderabad
02.2011 - 07.2015
- Validated Know Your Customer (KYC) details by interrogating internal and external systems, ensuring accurate and up-to-date customer records within defined Service Level Agreements (SLAs).
- Promptly escalated suspicious transactions and profiles, effectively mitigating potential risks and safeguarding the bank's interests.
- Analyzed factual customer information against various sources, exercising sound judgment within defined parameters to ensure compliance and accuracy.
- Documented discrepancies for further investigation processes, contributing to the enhancement of overall process accuracy and efficiency.
- Collaborated closely with the team leader and wider team to consistently deliver exceptional performance and meet organizational goals.
- Proactively incorporated feedback from the Quality team to uphold high task completion standards and drive continuous improvement in risk and compliance processes.
- Maintained consistency in reporting and documentation, ensuring a professional and error-free presentation of all compliance-related activities.
- Communicated complex compliance concepts clearly and concisely, avoiding industry-specific jargon to facilitate understanding across departments.
Education
MBA - Finance
Narsee Monjee Institute Of Management Studies
Mumbai08-2016
B-Tech - Computer Science Engineering
LORDS INSTITUTE OF ENGINEERING AND TECHNOLOGY
Hyderabad05-2007
Skills
- Credit risk management
- Risk assessment
- Due diligence
- Credit analysis
- Risk analysis
- Query resolution
- Debt recovery
- Credit monitoring
- Risk management
- Operations management
- Financial analysis
- Credit underwriting
- Credit appraisal
- Team management
- Problem-solving and decision-making
- Credit underwriting
- Credit appraisal
- Team management
- Problem-solving and decision-making
Languages
Telugu
First Language
Hindi
Upper Intermediate (B2)
B2
English
Upper Intermediate (B2)
B2
Timeline
Credit Manager
ICICI Bank
08.2016 - Current
Risk Analyst
ICICI Bank
02.2011 - 07.2015
MBA - Finance
Narsee Monjee Institute Of Management Studies
B-Tech - Computer Science Engineering
LORDS INSTITUTE OF ENGINEERING AND TECHNOLOGY
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