U.Sri Ramya
Hyderabad
Summary
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
12
12
years of professional experience
Work History
Credit Manager
ICICI BANK LTD
Hyderabad
09.2021 - Current
- Handled Multiple Products like Home loan, Personal Loan, Auto loans and Credit Card
- Dealt in Credit assessment and appraisal of secured and unsecured loans and monitoring banking operations
- Well versed with banking process, with respect to appraisals of loans, identifying improvement areas and implementing adequate measures to maximize the customer satisfaction level
- Demonstration excellence in coordinating the entire end to end process of the logins that flow in
- Handling files from login to disbursement.
Branch Credit Manager
DHFL LTD
Hyderabad
06.2018 - 09.2021
- Successfully handled and trained multiple locations sales, Off rolls staff, and vendors on the process and achieved smooth functioning of the process adhering to the policy amended
- Bagged the top performer in DHFL in the first 3 months of on board.
Assistant Credit Manager
Axis Bank Ltd
Hyderabad
09.2015 - 05.2018
- Handling Secured and Unsecured Credit portfolio for South region
- Performing document verification, credit appraisal and loan approvals
- Assessing needs of clients and accordingly charting out viable finance portfolio after considering the financial aspects
- Performing the functions of assessing creditworthiness of clients and taking adequate steps
- Supervising and controlling delinquency and credit loss
- Analyzing the Approval ratio and TAT and sharing the feed back with the team and counter parts
- Coordinating with Vendors for faster logins, smooth and error free process
- Initiating Field Investigation and Personal Discussions as per the Policy and coordinating with the external agencies for timely report
Accounts Excecutive
RVR Projects
Hyderabad
07.2012 - 07.2014
- Making Prompt Payments of bills and submission of Accounts to the Head Office Duely every fortnight of a month
- Involved in Tenders & Project Finance - Calculation of EMI, IDC, Depreciation on days basis/annual basis
- Knowledge in DPR (Detailed Project Report) preparation.
Education
PG diploma in Banking and Allied services -
Manipal Academy of Banking
01.2015
Bachelor of Commerce -
Little Flower College
01.2012
MBA - Finance
Narsee Monjee Institute of Management Studies
HyderabadSkills
- Retail assets
- Mortgages
- Credit underwriting
- Handling dockets
- Stakeholder Management
- Underwriting home loans
- Assessing creditworthiness
- CAS
- Tally 9
- MS-Office
- PES
- Finacle
Accomplishments
- Successfully handled and trained multiple locations sales, Off rolls staff, and vendors on the process and achieved smooth functioning of the process adhering to the policy amended.
- Bagged the top performer in DHFL in the first 3 months of on board.
- Completed all the certificates in National Cadet Corps (NCC) with B Grade and above
- Participated in Quiz competition in College.
- Participated in Product development Competition in Manipal academy of banking Named as "COMBAT SAGE".
Family
- Husband, Jr Commercial Tax Officer
- Children
Hobbies and Interests
- Nurturing deep love for music
- Sketching and Painting , Observing abstract art.
- Designing and organizing interiors.
- Learning interesting and new words as we speak and read.
Timeline
Credit Manager
ICICI BANK LTD
09.2021 - Current
Branch Credit Manager
DHFL LTD
06.2018 - 09.2021
Assistant Credit Manager
Axis Bank Ltd
09.2015 - 05.2018
Accounts Excecutive
RVR Projects
07.2012 - 07.2014
PG diploma in Banking and Allied services -
Manipal Academy of Banking
Bachelor of Commerce -
Little Flower College
MBA - Finance
Narsee Monjee Institute of Management Studies
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