Srimanikanta Vuppala
Bengaluru
Summary
Seasoned Senior Credit Analyst with over 3 years of experience in personal loan underwriting, risk assessment, and credit decisioning. Adept at leading high-performing teams, implementing process improvements, and mitigating fraud risk. Demonstrated success in maintaining a 75% team approval rate and achieving at 6 MOB. Strong analytical mindset, stakeholder communication skills, and a data-driven approach to credit policy execution.
Overview
3
3
years of professional experience
Work History
Seniour Credit Analyst
Finnable Credit Private Limited
Bengaluru
07.2022 - Current
- Lead a team of 8 credit analysts, ensuring consistent underwriting standards and real-time decision-making for unsecured personal loans.
- Maintain a team-level approval rate of 75%, balancing business growth with portfolio quality.
- Ensure delinquency below 0.7% at 6 MOB through robust credit filters and periodic performance reviews.
- Evaluate creditworthiness of individuals using income, bank statements, bureau reports.
- Spearheaded multiple process enhancements, reducing TAT by 18% and improving accuracy of verification checks.
- Developed and integrated fraud detection triggers in coordination with risk & data science teams, leading to a 25% drop in high-risk approvals.
- Conduct training and quality audits for underwriters to maintain consistency in policy adherence.
- Collaborate cross-functionally with Product, Tech, and Risk teams for policy automation and scorecard refinement.
Education
MBA - Finance And Business Analytics
Lovely Professional University
Punjab07-2023
BBA - Finance
Lovely Professional University
Punjab07-2021
Skills
- Credit analysis
- Underwriting standards
- Fraud detection
- Portfolio management
- Performance review
- Team leadership
Languages
Telugu
First Language
English
Intermediate (B1)
B1
Hindi
Beginner
A1
Timeline
Seniour Credit Analyst
Finnable Credit Private Limited
07.2022 - Current
MBA - Finance And Business Analytics
Lovely Professional University
BBA - Finance
Lovely Professional University
Similar Profiles
MAGESHWARAN GANAPATHYMAGESHWARAN GANAPATHY
CREDIT ANALYST at FINNABLE CREDIT PRIVATE LIMITEDCREDIT ANALYST at FINNABLE CREDIT PRIVATE LIMITED
NEETU SHARMANEETU SHARMA
Country Head Recovery & Operations - at Finnable Credit Private LimitedCountry Head Recovery & Operations - at Finnable Credit Private Limited
Rahul SainiRahul Saini
Area Sales Manager (Personal Loan) at Finnable Technologies Private LimitedArea Sales Manager (Personal Loan) at Finnable Technologies Private Limited
Suresh Kumar BSuresh Kumar B
Workshop Manager at Bhatia InteriorsWorkshop Manager at Bhatia Interiors
Revanasiddappa ARevanasiddappa A
Senior Security Analyst at Joyson Safety SystemSenior Security Analyst at Joyson Safety System