SHRAVANI KEMPPANNA
Tirupati,AP
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leading financial company.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Credit Analyst
Sarvagram Fincare Private Limited
06.2023 - Current
- Generated a portfolio of 8 Crores business with an average ticket size of Rs.4L in Personal loan, Business Loans, Farm Loans, Housing Loans, Gold Loans within 13 months
- Involved in regular gold audits to ensure accuracy and compliance with financial and regulatory standards.
- Played a key role in identifying and mitigating risks related to gold transactions and storage.
- Verified inventory and reconciled discrepancies, ensuring accurate record-keeping and reporting
- Maintained meticulous records of all audit activities and findings.
- Initiated and spearheaded business operations in Telangana from inception, successfully activating 8 out of 16 branches
- Collaborated with credit policy team to devise a new policy for Milk collection agents , now adopted statewide in Telangana
- Compiled a portfolio to ensure compliance with the recommended ratio of secured and unsecured loans across all products
- Conducted 500 personal discussions and underwriting of 320 files Successfully maintained the branch risk score
- Successfully managed 320 cases with no delinquencies or delayed payments, maintaining a perfect record with no instances of 30+ Days Past Due (DPD).
- Continuous monitoring of Unsecured loans to ensure timely repayment, minimize delinquencies, and optimizing profitability
- Monitored the digital products closely and Identified the improvements needed in Video PD, E sign and Account Aggregator
- Independently oversaw Sales and Credit departments of the Branch for a continuous period of 6 months, achieving more than 70% of Target.
- Participated in loan committee meetings to provide input on lending processes
Summer Internship Segment
PI Industries (Jivagro Private Limited)
06.2022 - 08.2022
- Conducted comprehensive market research involving 102 farmers, 25 retailers, and 5 distributors across 5 districts in Andhra Pradesh, Karnataka, and Maharashtra and Analyzed and estimated market size for Bio Stimulants in terms of Volume and Monetary Value ( In crores)
- Identified top 5 competitors in each district and assessed their competitive strategies to pinpoint market gaps
- Utilized Factor analysis tool to analyze Likert scale data, identifying Green Cover as significant buying factor
- Developed effective Go-To-Market Strategies including Segmentation, Targeting & Positioning, Pricing Strategies, and Brand Promotions.
Village Field Work Segment
Mahila Abhirudhi Society, Andhra Pradesh ( APMAS)
10.2021 - 12.2021
- Organized awareness programs with women SHG's and arranged exposure meetings with model FPOs, resulting in 35 new farmers joining FPO and also Identified factors hindering FPO participation.
Education
PGDM - RM - Rural Management
Institute of Rural Management Anand
Anand, India04.2023
Bachelor of Science - Agriculture
Sri Venkateshwara Agricultural College
Tirupati, India04.2021
Skills
- Underwriting
- Negotiation Skills
- Leadership
- Cross Functional
- Customer Relationship Management
- Risk Assessment
- Detail Oriented
- Problem Solving Skills
Additional Information
Languages
- English
- Kannada
- Hindi
- Telugu
Certification
- Brand Management and Sales Leadership
- Marketing Foundations
- Foundations of Digital Marketing
Personal Information
- Title: Credit Analyst
- Date of Birth: 05/22/99
References
Sundipan Mehta,
Product head
Sarvagram Fincare Private Limited
9099136945
Timeline
Credit Analyst
Sarvagram Fincare Private Limited
06.2023 - Current
Summer Internship Segment
PI Industries (Jivagro Private Limited)
06.2022 - 08.2022
Village Field Work Segment
Mahila Abhirudhi Society, Andhra Pradesh ( APMAS)
10.2021 - 12.2021
PGDM - RM - Rural Management
Institute of Rural Management Anand
Bachelor of Science - Agriculture
Sri Venkateshwara Agricultural College
- Brand Management and Sales Leadership
- Marketing Foundations
- Foundations of Digital Marketing
Similar Profiles
KRISHNA AMOSKRISHNA AMOS
Client Manager at Fincare Accounting Pty LimitedClient Manager at Fincare Accounting Pty Limited
SARAVANAN MOORTHYSARAVANAN MOORTHY
Senior QA Analyst at Veryon Private Limited (Formerly known as Rusada Avaiation Private Limited)Senior QA Analyst at Veryon Private Limited (Formerly known as Rusada Avaiation Private Limited)
Sumit GargSumit Garg
Assistant General Manager - Finance at Trident Hills Private Limited (Formerly Known As IREO Fiveriver Private Limited)Assistant General Manager - Finance at Trident Hills Private Limited (Formerly Known As IREO Fiveriver Private Limited)