SHANMUKH KUMAR EDI
VIJAYAWADA
Summary
Dynamic Area Credit Manager with a proven track record at HDB, excelling in financial risk management and team leadership. Recognized for enhancing credit processes and achieving significant portfolio stability. Strong analytical skills combined with effective communication foster collaboration and drive business growth. Committed to delivering results while adapting to market trends.
Overview
12
12
years of professional experience
Work History
Area Credit Manager
HDB
Vijayawada
09.2024 - Current
- Set credit limits by examining financial information and reviewing market dynamics.
- Created financial management mechanisms to minimize financial risk to business.
- Analyzed competitors and market trends to facilitate business growth.
- Overseeing diverse secured and unsecured offerings with approval limit of 40 lacs for LAP and 10 lacs for unsecured.
- Exhibiting experience in team leadership with more than 12 personnel, directing 9 branches across sectors.
Credit Manager
HDFC BANK
02.2022 - Current
- Working as Credit Manager at HDFC Bank, Handling of Commercial Transport Group (CTG), performing credit administration, including credit appraisals, document verification, PD and ensuring for disbursals.
- Following company norms & policies, performing the task within TAT Time.
- Performing Dealer visits and Customer Visit to know Trends in market and taking proactive risk strategies to mitigate risk and loan losses.
Credit Manager
Axis finance
Hyderabad
03.2023 - 08.2024
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Ensured timely and accurate processing of all credit transactions.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
Credit Manager
BAJAJ FINANCIAL SERVICES LTD
06.2016 - 02.2022
- Working as Credit Manager in Bajaj finserv handling of Secured/unsecured loans.
- Performing credit administration, including credit appraisals, document verification, PD and Ensuring for disbursals.
- Having approval authority of Up to 15.00 lacs.
- Following company norms & Policies, Performing the task within TAT Time.
- Managed commercial credit portfolio in region providing transparency and risk measures while identifying risk related issues, negotiating and taking proactive risk strategies to mitigate risk and loan losses.
- Managed risk portfolio over focusing on financial analysis, stability, capitalization, liquidity and cash flow to early detect changes in credit behavior.
- Received a Rise award for Q3 on 2K17 from company, for showing Better performance.
- Received you make a difference award for Q2 on 2K18 from company.
- Consistently assessed the strengths, opportunities and threats within the portfolio.
- Better effort has been taken to Reduce the Bounce ratio and maintaining steady portfolio.
Branch Credit Manager
KRAVY Finance Ltd.
Tirupati & Nellore
08.2015 - 05.2016
- Performing credit administration, including credit appraisals, document verification.
- Analyzing of customer Income level's and loan approval for finance.
- Ensured proper handling of property documents and their submissions.
Credit Reviewer
PAMAC FIN.SERVICES
11.2013 - 08.2015
- Screening the files with KYC & financials doc's.
- Moving the files from pre-sanction to underwriting.
- Vendor management.
- Analyzing financials.
Intern
KUSALAVA INTERNATIONAL LTD
08.2013 - 11.2013
- Company Overview: WORKING CAPITAL MANAGEMENT, ACCOUNTING AND FINANCIAL MANAGEMENT, FINANCIAL ANALYSIS.
- MANAGEMENT & PRINCIPLES OF WORKING CAPITAL.
- INVENTORY MANAGEMENT & OBJECTIVES.
- SOURCES OF WORKING CAPITAL.
- PRINCIPLES OF WORKING CAPITAL MANAGEMENT.
- WORKING CAPITAL MANAGEMENT, ACCOUNTING AND FINANCIAL MANAGEMENT, FINANCIAL ANALYSIS.
Education
MBA - Finance And Marketing
Assisi E.M.High School
Sri Krishnaveni Degree College03-2014
B.COM - General
Acharya Nagarjuna University
01.2010
C.E.C -
Board Of Intermediate Education
01.2007
S.S.C -
Board of Secondary Education
01.2005
Skills
- Strong work ethic
- Quick learner
- Effective communication
- Diplomatic interpersonal skills
- Patience and adaptability
Personal Information
- Date of Birth: 12/08/90
- Gender: MALE
- Nationality: INDIAN
- Marital Status: Married
Languages
- TELUGU
- ENGLISH
Projects
WORKING CAPITAL MANAGEMENT, KUSALAVA INTERNATIONAL LTD, WORKING CAPITAL MANAGEMENT, ACCOUNTING AND FINANCIAL MANAGEMENT, FINANCIAL ANALYSIS, 08/13 - 11/13
Disclaimer
I hereby declare that all information furnished above is true to the best of my knowledge.
Technical Qualifications
- MS-DOS
- MS-OFFICE
Timeline
Area Credit Manager
HDB
09.2024 - Current
Credit Manager
Axis finance
03.2023 - 08.2024
Credit Manager
HDFC BANK
02.2022 - Current
Credit Manager
BAJAJ FINANCIAL SERVICES LTD
06.2016 - 02.2022
Branch Credit Manager
KRAVY Finance Ltd.
08.2015 - 05.2016
Credit Reviewer
PAMAC FIN.SERVICES
11.2013 - 08.2015
Intern
KUSALAVA INTERNATIONAL LTD
08.2013 - 11.2013
MBA - Finance And Marketing
Assisi E.M.High School
B.COM - General
Acharya Nagarjuna University
C.E.C -
Board Of Intermediate Education
S.S.C -
Board of Secondary Education
Similar Profiles
Sneha RajajothiSneha Rajajothi
Java Developer at HDBJava Developer at HDB
Swee Heng ChngSwee Heng Chng
Senior Real Estate Executive at HDBSenior Real Estate Executive at HDB
Muhammad Danish Ruzaini Bin RazaniMuhammad Danish Ruzaini Bin Razani
Internship at HDBInternship at HDB
Ganti DURGA PRASADGanti DURGA PRASAD
Diploma Tri Engineer at LOKESH MACHINES LIMITEDDiploma Tri Engineer at LOKESH MACHINES LIMITED
Dileep PonnuruDileep Ponnuru
Senior Consultant - QA Automation Engineer at Verizon Data ServicesSenior Consultant - QA Automation Engineer at Verizon Data Services