Thota Manigopal
Hyderabad
Summary
Detail-oriented Finance and Credit Operations professional with experience in loan documentation review, financial analysis, and portfolio monitoring within the financial services sector. Currently working with **Grihum Housing Finance (backed by TPG Inc.) supporting credit operations and loan processing. Skilled in validating borrower documents, reconciling financial data, maintaining audit-ready loan files, and coordinating with underwriting and servicing teams. Strong ability to work in SLA-driven environments with high accuracy and compliance
Overview
4
4
years of professional experience
1
1
Certification
3
3
Languages
Work History
Relationship Manager
Grihum Ltd ( T.P.G Inc )
02.2024 - Current
- Review loan applications and borrower documentation for accuracy, completeness, and compliance with credit policies.
- Validate financial documents such as income statements, tax returns, bank statements, and ownership records.
- Ensure loan files are audit-ready and meet internal risk and regulatory guidelines.
- Identify and reconcile inconsistencies in borrower data such as entity names, addresses, and financial figures.
- Coordinate with sales, underwriting, and credit teams to resolve documentation gaps and improve loan processing efficiency.
- Maintain accurate records and workflow updates in loan origination systems and CRM platforms.
- Support portfolio monitoring activities by reviewing borrower financial performance and documentation updates.
- Escalate risk issues or discrepancies to senior credit or risk teams following defined protocols
Assistant Manager B2B
Reliance Jio Infocomm
02.2024 - 03.2024
- Managed daily operations, delegating tasks appropriately to ensure smooth functioning of the facility.
- Follow up with various departments to get supporting documents.
- Follow up on outstanding invoices.
- Ensure timely payment collection.
- Reduce overdue balances.
Associate Manager
ICICI Home Finance Ltd
06.2023 - 12.2023
- Managed delinquent accounts portfolio and improved collection efficiency.
- Monitored agency performance and ensured compliance with RBI guidelines.
- Generated daily MIS reports on aging, DSO, and collection targets.
- Reduced overdue portfolio within 6 months through structured follow-up strategy.
- Coordinated with internal teams for dispute resolution and payment tracking.
- Improved recovery rate by closely monitoring >90 days delinquent accounts.
- Strengthened compliance and reporting accuracy through structured MIS tracking.
Executive Operations Assistant B2B (internship)
Zarayya Infomatics
05.2022 - 07.2022
- Assisted in preparation of financial reports and strategic research.
- Reduced reporting errors through careful review of expense documentation.
- Supported internal communication and administrative coordination.
- Investigate and resolve credit balances.
- Process refunds or adjustments if required.
Education
MBA -
Siva Sivani Institute of Management
Hyderabad04.2023
BBA - Finance
Siva Sivani Degree College
Hyderabad04.2021
E - undefined
Sri Chaitanya Junior College
Hyderabad, India03.2018
Sri Chaitanya School - undefined
Hyderabad, India03.2016
Skills
Credit Operations & Loan Processing
Financial Statement Analysis
Loan Documentation Review
Borrower Document Verification
Portfolio Monitoring
Banking Operations
Risk & Compliance Review
Data Reconciliation
CRM / Loan Origination Systems
SLA-driven Process Execution
Attention to Detail & Quality Control
MS Excel (Pivot Tables, VLOOKUP, XLOOKUP, MIS Reporting)
Certification
NISM Series V-A
Timeline
Relationship Manager
Grihum Ltd ( T.P.G Inc )
02.2024 - Current
Assistant Manager B2B
Reliance Jio Infocomm
02.2024 - 03.2024
Associate Manager
ICICI Home Finance Ltd
06.2023 - 12.2023
Executive Operations Assistant B2B (internship)
Zarayya Infomatics
05.2022 - 07.2022
BBA - Finance
Siva Sivani Degree College
E - undefined
Sri Chaitanya Junior College
Sri Chaitanya School - undefined
MBA -
Siva Sivani Institute of Management
Personal data processing
I hereby declare that the above information is true to the best of my knowledge.
Thota Manigopal