Sreenivas M
Regional Credit Manager
Anantapur
Summary
Regional credit management professional with solid background in credit risk assessment, financial analysis, and portfolio management. Skilled in developing strategies to optimize credit policies and mitigate risks while driving profitability. Strong focus on team collaboration and achieving results, consistently adaptable to changing needs. Known for excellent communication, problem-solving abilities, and commitment to maintaining high standards.
Overview
9
9
years of professional experience
Work History
Regional Credit Manager
ICICI Bank
05.2024 - Current
- Collaborated with sales teams to balance risk and revenue growth, aligning credit policies with business objectives
- Mentored junior team members in best practices for analyzing loan applications and making sound underwriting decisions.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Reduced bad debt losses with rigorous monitoring of delinquent accounts and timely collection actions.
Area Credit Manager
ICICI Bank
05.2021 - 04.2024
- Developed and implemented training programs for junior staff, increasing team efficiency and knowledge retention.
- Analyzed financial statements and credit reports, providing actionable insights that informed strategic lending decisions.
- Conducted market research on credit products, supporting the introduction of innovative solutions aligned with customer needs.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
Branch Credit Manager
ICICI Bank
07.2016 - 04.2021
- Implemented customer engagement initiatives, resulting in increased loan applications and a strengthened client relationship management system.
- Wrote reports detailing branch activities.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Referred delinquent accounts to collections department or outside resources.
- Complied with established internal controls and policies.
Education
PGDB - Banking And Finance
MANIPAL UNIVERSITY
Bengaluru, India 04.2001 -
Bachelor of Science - ENGINEERING IN ELECTRICAL AND ELECTRONICS
KMMITS Affiliated To J N T U Anantapur
Tirupati, India 04.2001 -
Skills
Credit risk assessment
Precision in loan assessment
Cross-functional teamwork
Policy implementation
Process streamlining
Regulatory compliance
Data interpretation
Relationship management
Accomplishments
Received prestigious ICICI Eagle Eye awards twice from the bank for showing exemplary vigilance in preventing frauds in the bank.
Received Multiple Eagle Eye certification from the bank for averting frauds in the bank.
Additional Information
- Having strong knowledge and expertise in Credit and Credit operations of both Retail and Rural products.
- Currently handling multiple loan segments like Car loans, Home loans, Loan against property, Personal loans, Business loans, Used car loans and Farmer Finance, Kisan Samridhi- OD and Farm Equipment loans.
- Also having expertise in legal and title flow verification of a property. Know how to study Encumbrance reports and deeds related to a property.
- Handled complete end to end training of multiple Vendors on automatization of renewal process of Rural products.
Timeline
Regional Credit Manager
ICICI Bank
05.2024 - Current
Area Credit Manager
ICICI Bank
05.2021 - 04.2024
Branch Credit Manager
ICICI Bank
07.2016 - 04.2021
PGDB - Banking And Finance
MANIPAL UNIVERSITY
04.2001 -
Bachelor of Science - ENGINEERING IN ELECTRICAL AND ELECTRONICS
KMMITS Affiliated To J N T U Anantapur
04.2001 -