T HARIKRISHNA
Area Credit Manager
Bangalore
Summary
Professional with strong background in credit management and risk assessment. Skilled in financial analysis, credit evaluation, and portfolio management. Strong focus on team collaboration and achieving results, adapting to changing needs seamlessly. Known for reliability, integrity, and leadership in driving financial performance and minimizing risk.
Overview
11
11
years of professional experience
3
3
Languages
Work History
Area Credit Manager
Axis Bank
06.2023 - Current
Area Credit Manager
Jana Small Finance Bank
09.2019 - 06.2023
Branch Credit Manager
Indiabulls Housing Finance Ltd.
07.2018 - 09.2019
Assistant Manager – Credit
Aptus Value Housing Finance India Ltd.
04.2016 - 06.2018
CREDIT OFFICER
Tata Capital Housing Finance Ltd.
09.2015 - 04.2016
CREDIT OFFICER
L&T Housing Finance Ltd.
09.2014 - 09.2015
Education
MBA - Finance And HR
Sri Venkateshwara University
Tirupati, India 04.2001 -
B. Com - Commerce And Accounts
Sri Sapthagiri Degree College
04.2001 -
Skills
HL and LAP product expertise
Proficient in computer applications
Excel data analysis skills
Results-oriented reporting
Analytical problem-solving
Loan underwriting expertise
Credit risk analysis
Evaluation of early warning alert effectiveness
Proactive risk assessment
Leadership abilities
Collaborative team coordination
Effective presentation skills
Understanding of credit bureaus
Proficient in analyzing financial and non-financial documents
Customer due diligence expertise
AML compliance knowledge
Understanding of sanction modules
Loan processing expertise
Experience in loan modification processes
Early-stage underwriting analysis
Pre-closure evaluation
Foreclosure analysis
Timely closure communication
Performance evaluation
Conducting performance reviews
Performance management review discussion
Target achievement analysis
Personal Information
- Willing To Relocate: Yes
- Father's Name: Mr. VENKATESULU
- Date of Birth: 03/01/88
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Timeline
Area Credit Manager
Axis Bank
06.2023 - Current
Area Credit Manager
Jana Small Finance Bank
09.2019 - 06.2023
Branch Credit Manager
Indiabulls Housing Finance Ltd.
07.2018 - 09.2019
Assistant Manager – Credit
Aptus Value Housing Finance India Ltd.
04.2016 - 06.2018
CREDIT OFFICER
Tata Capital Housing Finance Ltd.
09.2015 - 04.2016
CREDIT OFFICER
L&T Housing Finance Ltd.
09.2014 - 09.2015
MBA - Finance And HR
Sri Venkateshwara University
04.2001 -
B. Com - Commerce And Accounts
Sri Sapthagiri Degree College
04.2001 -