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
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