THALLA VIJAYA KUMAR
Hyderabad
Summary
Credit Manager with extensive experience at KOTAK Mahindra Bank, specializing in gold loan approvals and team training. Demonstrated expertise in process auditing and compliance, utilizing strong interpersonal skills and Microsoft Office proficiency to improve operational efficiency. Focused on continuous self-learning and promoting team collaboration to achieve optimal results.
Overview
15
15
years of professional experience
Work History
Credit Manager
KOTAK Mahindra Bank
Hyderabad
03.2025 - Current
- Gold loan approvals.
- Mail management: closure approval, deviation approval, modification approval, and others.
- CPID maker.
- RCU queries closure follow-up.
- Assayer recruitment, training, and payment process.
Process Auditor
KOTAK Mahindra Bank
Hyderabad
01.2022 - 02.2025
- Branch Audit and Digital Audit
- Branch visit.
- Registers verification.
- Documents verify for auction and closure.
- CPID maker for more than 10 lakhs in loans.
- Gold pouches' physical verification.
- CCTV verification.
- Monitoring the product launch for new BOM model branches.
- Third-party gold release process.
- Death case release process.
- Assayers' recruitment, training, and payment process.
- Mails and calls revert for the regular process.
- Weighing machine and calibration certificate renewal process.
Internal Auditor
HDB Financial Services Ltd.
Hyderabad
03.2015 - 01.2022
- Audit in Gold Loans, pouch physical verification, Tear weight and Gold purity checking, Verify to CCTV & Alarm system Documents & registers verification
- System audit, verifying data entry, Loan disbursed & approved stage wise verification
- DMS Audit: Verify to all document properly updated or not, ornament photo, customer photo and signature verification, ID & Address proofs- validity
- Remote Audit: We get all scanned copies through mail from branches for selected files, registers & Documents verification
- Training: I will give training to GLE for GL Policy and Gold loan process, Gold appraising methods/technics and new updates or changes
- Follow-up to the branches for collection status for 0-30 bucket cases on daily wise basis
Gold Auditor
Cholamandalam Investment and Finance company Ltd
Hyderabad
04.2012 - 01.2015
Internal Auditor
Manappuram finance company ltd
Hyderabad
06.2010 - 04.2012
Education
MBA - HR/ Marketing
Osmania University
Hyderabad03-2009
PGDBM - Finance
Osmania University
Hyderabad03-2008
B.A. - Economics
Osmania University
Hyderabad03-2006
Intermediate - C.E.C
Govt Junior College
Machareddy03-2003
SSC -
ZPSS
Machareddy03-2001
Skills
- Interpersonal skills
- Time management
- Self-learning
- Team orientation
- Self-motivation
- Microsoft Office proficiency
- PGDCA certification
Languages
- English
- Hindi
- Telugu
Personal Information
- Date of Birth: 09/24/84
- Marital Status: Married
Timeline
Credit Manager
KOTAK Mahindra Bank
03.2025 - Current
Process Auditor
KOTAK Mahindra Bank
01.2022 - 02.2025
Internal Auditor
HDB Financial Services Ltd.
03.2015 - 01.2022
Gold Auditor
Cholamandalam Investment and Finance company Ltd
04.2012 - 01.2015
Internal Auditor
Manappuram finance company ltd
06.2010 - 04.2012
MBA - HR/ Marketing
Osmania University
PGDBM - Finance
Osmania University
B.A. - Economics
Osmania University
Intermediate - C.E.C
Govt Junior College
SSC -
ZPSS
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