Summary
Overview
Work History
Education
Skills
Extracurricular Activities
Languages
Personal Information
Certification
References
Timeline
Generic
SASI MOULI VEDULA

SASI MOULI VEDULA

Hyderabad

Summary

Dynamic professional with extensive experience in credit risk management and P&L oversight. Proven ability to implement data-driven solutions that enhance operational efficiency and drive business growth. Expertise in fostering sustainable credit practices to support organizational objectives.

Overview

25
25
years of professional experience
1
1
Certification

Work History

State Credit Manager

SMFG India Credit Company Limited
Hyderabad
01.2025 - Current
  • Credit Risk Management: Assess and evaluate creditworthiness of customers and businesses.
  • Monitor and manage credit risk exposure within the region.
  • Develop and implement effective credit risk mitigation strategies.
  • Financial Analysis: Analyze financial statements, cash flow statements, and other relevant financial data to assess creditworthiness.
  • Conduct thorough due diligence on potential and existing customers.
  • Credit Policy and Procedures: Ensure adherence to established credit policies and procedures.
  • Identify areas for improvement and implement necessary changes to optimize credit processes.
  • Credit Limit Management: Establish and adjust credit limits based on risk assessment and customer performance.
  • Monitor and control credit utilization to minimize risk.
  • Collection and Recovery: Oversee the timely collection of overdue payments.
  • Implement effective collection strategies to minimize losses.
  • Regulatory Compliance: Stay updated on relevant regulatory requirements and ensure compliance.
  • Work closely with legal and compliance teams to address any issues.
  • Team Management: Lead and mentor a team of credit analysts.
  • Foster a positive and collaborative work environment.

Business Analyst

Tata Consultancy Services Limited
Hyderabad
05.2023 - 01.2025
  • Conducted thorough analysis of business processes to identify areas for improvement.
  • Analyze banking workflows and identify the areas of improvement for automation or enhancement.
  • Collaborated with cross-functional teams to gather requirements and define project scope.
  • Developed detailed documentation, including functional specifications and user stories.
  • Translate business needs into clear, concise, and functional specifications for IT team.
  • Facilitated workshops to elicit stakeholder feedback and drive consensus.
  • Implemented data-driven solutions to enhance operational efficiency.
  • Act as a catalyst for solution design and development to define the technical solution that meets the business expectations.
  • Assist the User Acceptance Test (UAT) to ensure that the developed solution meets the client/business/process needs.
  • Projects undertaken: Auto Loans product for ICICI Bank.
  • Worked closely with the Auto Loan Departments of the Bank to understand their specific requirements for processing and managing Auto Loans on their current system and to better the same on the proposed LPP (Loan Processing Platform).
  • Associated in analyzing the data on loan origination, sourcing, login, detailed data entry, financial data entry, underwriting and disbursement.
  • BCM Auto Allocation logic: Streamlining Auto Allocation Logic based on product type, customer profile, risk factors, type of sourcing.
  • Created the rule based on the current potentiality of the BCMs credentials, 4QCQ, capacity allocated to each individual, unutilized capacity available for them, comparing and defining the rules for the unutilized capacity between the resources available.
  • Allocating the case directly to the maximum unutilized capacity available resources.

Regional Credit Manager

RBL Bank Limited
Hyderabad
01.2018 - 03.2023
  • Managed top performing states of South, includes Telangana, Tamilnadu, Karnataka and Andhra Pradesh.
  • Login volume of 350+ cases a month, with average conversion of 63%, with minimal TAT decision of 1.8 days and Average Ticket Size of 34L, with delinquency of .35% on a total portfolio of 480 Crores for the region assigned under the South HUB.
  • Manage end-to-end credit process and financial sanction at HUB region.
  • Build good quality asset book using various triggers available, like prudent assessment, Bureau checks, verification's based on the integration's available on system and off system.
  • Make measurable risk with identified mitigants.
  • Develop a healthy risk culture along with pursuing sustainable credit growth in Prime and Affordable housing segment.
  • Bring consistency in the underwriting practices and process across the geography with regular and frequent training's on the latest processes/advisories.
  • May 2022 - March 2023 - Regional Credit Manager - HL Salaried HUB - South (Prime HL Loans and Affordable Home Loans).
  • January 2020 - May 2022 - M/s. RBL Bank Limited (Migrated from M/s. RBL Finserve).
  • January 2018 - December 2019 - M/s. RBL Finserve Limited (Formerly known as Swadhaar Financial Services) - Regional Credit Manager - AP Region - MSME product/Micro LAP (Loan Against Property) loans.
  • Handled 23 branches of Andhra Pradesh and built a quality portfolio of 128 crores with a customer base of 6000+ loans.
  • Ensured to pioneer the new launch of the Micro LAP product and been among the top states in the country to develop a quality and performing portfolio.
  • Boosted the Average Ticket Size from 3.1 L to 4.8L through a shift from pure USL to Quasi 1; 4.1L to 6.5L through Quasi 2 and Structured collateral.
  • Delinquencies at low level.

Entrepreneur

Self Employed
Visakhapatnam
03.2016 - 12.2017
  • Launched M/s. Chandrika Supermarket & Green Moon Restaurant, innovating domestic retail services alongside fine dining and food court within renowned gated community in Visakhapatnam

Cluster Manager

HDB Financial Services Limited
Vijayawada
09.2014 - 10.2015
  • Oversaw daily operations across multiple branches to guarantee seamless service delivery.

District Manager

Karvy Financial Services Limited
Visakhapatnam
02.2013 - 09.2014
  • Oversaw performance evaluations for district team members to facilitate improvement.

Internal Audit Head

Spandana Sphoorty Financial Limited
Hyderabad
01.2012 - 02.2013
  • Orchestrated internal audit preparation and implementation for risk assessment projects.

Branch Head

ING Vysya Bank Limited
Visakhapatnam
05.2010 - 10.2011
  • Oversaw branch operations, confirming alignment with banking regulations and established policies.

Cluster Manager/Business Unit Manager

Fullerton India Credit Company Limited
Visakhapatnam
07.2009 - 05.2010
  • Managed branch operations and ensured compliance with company policies.

Station Director

Radio Mirchi - Entertainment Network India Limited
Visakhapatnam
04.2008 - 02.2009
  • Managed daily operations for Radio Mirchi, integrating secondage burning with listener engagement strategies.

District Manager

Citi Financial Consumer Finance India Limited
Vijayawada
02.2005 - 04.2008
  • Engineered strategic initiatives focused on increasing market visibility and facilitating business growth.

Business Development Manager

HDFC Standard Life Insurance Company Limited
Visakhapatnam
07.2003 - 02.2005
  • Led training sessions designed to educate team members on effective sales strategies and comprehensive product offerings.

Sales Officer

VIP Industries Limited
Hyderabad
10.2000 - 06.2003
  • Crafted promotional strategies designed to elevate brand visibility and market penetration.

Education

MBA - Marketing

Rajiv Gandhi Institute of PG Studies
Kakinada
08.2000

B.Com - Visakhapatnam

Gayatri Vidya Parishad
Visakhapatnam
06.1998

Skills

  • Risk assessment and management
  • Profit and loss evaluation
  • Mitigation strategies for risks
  • Effective leadership practices
  • Transforming business strategies
  • Efficiency in multitasking tasks
  • Effective communication skills
  • Adaptability to new challenges faced
  • Data-driven insights and analysis
  • Assessing customer needs accurately
  • Building high-performing teams
  • Coaching and mentoring practices effectively
  • Enhancing profit margins
  • Forecasting sales trends accurately
  • Gathering requirements effectively
  • Analyzing gaps effectively
  • Developing test cases efficiently
  • Engaging with stakeholders effectively
  • Adhering to regulations and standards

Extracurricular Activities

Limca Book of Record Holder - in the event of Micro writing, 01/01/98 Limca Book of Records holder - in the event of Non-stop typing on PC, 01/01/03

Languages

  • English
  • Hindi
  • Telugu

Personal Information

  • Title: MR.
  • Date of Birth: 10/25/77
  • Nationality: Indian

Certification

  • JAIIB from IIBF, 2014
  • Certificate in Digital Bank - IIBF, 2017
  • Certificate in Prevention of Cyber Crimes and Fraud Management - IIBF, 2017
  • Diploma in KYC and AML from IIBF - 2016
  • Credit Skills for Bankers - SME Lending from Moodys Analytics, 2024

References

References available upon request.

Timeline

State Credit Manager

SMFG India Credit Company Limited
01.2025 - Current

Business Analyst

Tata Consultancy Services Limited
05.2023 - 01.2025

Regional Credit Manager

RBL Bank Limited
01.2018 - 03.2023

Entrepreneur

Self Employed
03.2016 - 12.2017

Cluster Manager

HDB Financial Services Limited
09.2014 - 10.2015

District Manager

Karvy Financial Services Limited
02.2013 - 09.2014

Internal Audit Head

Spandana Sphoorty Financial Limited
01.2012 - 02.2013

Branch Head

ING Vysya Bank Limited
05.2010 - 10.2011

Cluster Manager/Business Unit Manager

Fullerton India Credit Company Limited
07.2009 - 05.2010

Station Director

Radio Mirchi - Entertainment Network India Limited
04.2008 - 02.2009

District Manager

Citi Financial Consumer Finance India Limited
02.2005 - 04.2008

Business Development Manager

HDFC Standard Life Insurance Company Limited
07.2003 - 02.2005

Sales Officer

VIP Industries Limited
10.2000 - 06.2003

MBA - Marketing

Rajiv Gandhi Institute of PG Studies

B.Com - Visakhapatnam

Gayatri Vidya Parishad

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