Ramakrishna Kancherla

A Credit and Operations management professional having 26 years of pan-India experience in different areas of retail assets e.g., Credit Underwriting, Credit Administration, Retail Asset Operations, collections, Home loans Business Development, Loan against Property and SME products, Risk & Compliance reporting Proven abilities in handling sanction & disbursement processes, evaluating and underwriting of loan proposals, Legal and technical analysis of loan proposal, Risk Control, Lifecycle Management, Asset Reconstruction, Debt Management & Recovery. Worked across a number of Indian and multi-national organisations covering specialised large to small housing finance entities and retail lending units of Banks / HFCs. Gained exposure across the customer segments covering Affordable, Low to middle income and High value segments. A strategic planner with dexterity in identifying & adopting emerging trends to achieve organizational objectives and profitability norms. Having excellent people management skills and an ability to manage change with ease. Result-oriented with strong value-added delivery, organizing, leadership, communication and people management skills. Customer focused approach with an ability to maintain top quality in service and deliverables. Successfully introduced, implemented, evaluated various Processes, Systems, Procedures & Controls. Ability to manage multiple engagements and competing priorities in a rapidly growing, fast-paced, interactive, results-based team environment. 100% Payment Clearance track record Part of BPR and RRR (during CIRP) team. CORE COMPETENCIES Credit Assessment and underwriting Handling credit appraisals of loan proposals of individuals & corporate customers; Monitoring & review of loan proposals and Credit Appraisals. Entrusted underwriting authority of 25 million. Credit Administration-Control and Monitoring Analyze the cases pertaining to quick mortality & non starters and recommends policy / process changes. Monitoring the loan portfolio; Data Analysis ;Examine the performance / risks of various products & portfolio at Zone / Region / Branch. Prepare document for regular portfolio reviews. Monitoring compliance of policies /procedures and limits, coach loan officers and provides training support in use and implementation of policies and procedures. Compliance Checks – Ensure compliance of approval conditions and follow up for PDD. Performing the functions of assessing the creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts. Risk Evaluation, Reporting & Compliance Auditing Assessing the effectiveness and efficiency of business processes & providing recommendations for improvisation; evaluating & strengthening internal control systems / procedures. Managing the implementation of the risk management process; monitoring the process to ensure that it operates effectively in the best interests of the company's stakeholders. Evaluating the strengths, weaknesses, opportunities and threats in business; specifying the business objectives and identifying the internal and external factors involved in achieving these objectives. Recovery & Collection: Strategy, planning & execution for achieving business targets. Handling a portfolio of Mortgage Collection at South Zone. Target setting, Team building & development through regular training and updates. Analyzing delinquent cases & trends, Periodic feedback to credit and sales on quality of portfolio.