Summary
Overview
Work History
Education
Skills
Accomplishments
Personal Information
Certification
Interests
Reading Personal Development & Finance Books
Timeline
Generic
VENKATESWARARAO KOPPULA

VENKATESWARARAO KOPPULA

Chartered Accountant
Hyderabad

Summary

Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.

With a chartered accountant background and over 12 years of experience in risk assessment and credit underwriting in areas such as working capital, business loans, healthcare finance, and auto loans, I am seeking a challenging role as an Area/Regional Credit Manager or in bank liaisoning within a multinational corporation's finance department. Proficient in financial statement analysis, credit evaluation, and process improvement, I possess a strong track record of devising effective collection plans. My skills in communication, collaboration, and team building, coupled with a knack for grasping new technical concepts quickly, enable me to drive development and accomplish targets effectively. Qualified Chartered Accountant with 12 years of experience in Risk

Overview

12
12
years of professional experience
2012
2012
years of post-secondary education
1
1
Certification
3
3
Languages

Work History

Location Credit Head

Kotak Mahindra Bank Limited
08.2022 - Current


  • Managing Working Capital Finance to Micro, Small and Mid-Cooperates and providing best possible structure within given TAT.
  • Regular Review of Portfolio and understanding stress accounts to take corrective actions in timely manner.
  • Constant Interactions with various departments to improve the internal process to provide better loan processing experience to Customer.
  • Efficiently handling Credit Managers of 6 members and 7 Credit officer(off-role) for smooth functioning of day-to-day operations.
  • Managing with client for completion of external activities like stock audits, submission of stock data in time
  • Keeping overdue renewal under control by regular follow-up and with quick decision making.
  • Self-motivated, with a strong sense of personal responsibility.
  • Excellent communication skills, both verbal and written.
  • Proven ability to learn quickly and adapt to new situations.
  • Skilled at working independently and collaboratively in a team environment.
  • Managed time efficiently in order to complete all tasks within deadlines.

Location Credit Head

Kotak Mahindra Bank Limited
02.2021 - 07.2022
  • Leading the team of 5 Credit Managers and 6 Credit Officers
  • Managing multiple products in organization such Business Loans, Overdraft Facility, FCCR which are unsecured nature with Better TAT of approval and Disbursement
  • Understanding the Market, Industry Changes, Competition approach variation so that changes can be made in process flow, products or guidelines
  • Conducting regular training with DSA, Direct Team to understand over products in better way
  • Make sure than portfolio is within the acceptable Delinquency limits and driving team towards organization goals to reach the desired personal traits
  • Visiting customer's place to understand the profile which accommodates in an effective credit decision-making
  • Supporting the collection team to keep the delinquency within the targets by visiting customer places and incorporating the learnings in future credit proposals
  • Carry out quality assurance tests to discover errors and optimize usability

State Credit Head

Kotak Mahindra Prime Limited
12.2017 - 01.2021
  • Leading the team of 4 Credit Managers and 9 Credit Officers teams
  • Managing multiple products in organization such as secured, unsecured loans and financing of new cars, used cars, refinancing on pre-owned cars and top-ups to existing customers
  • Monitoring TAT of approvals, disbursals and external agency report submissions and understanding practical bottlenecks while implementing and providing solutions to overcome the same
  • Building and maintaining healthy business relations, ensuring maximum customer satisfaction
  • Analysing the delinquency data’s and understanding the trends of various profiles, assets, CIBIL Scores and incorporating corrective measures to improve the underwriting quality
  • Monitoring delinquent account collection and establishing terms of payment as well as assisting in vendor management
  • Actively participated in newly introduced LOS implementation, suggesting the changes required in the system and playing a major role in implementing the same at branch level
  • Developing reports to ensure compliance with legal statutes and initiating strong legal action in case of continuous payment default

Location Credit Head

Kotak Mahindra Prime Limited
05.2016 - 11.2017
  • Led 4 members of on-roll team at peak time & 4 off-roll team
  • Reviewed financial statements, applicable ratios, credit reports, examining and re-negotiation of loans and compliance review administration
  • Offered performance feedback, communicated with customers, provided training and guidelines to junior staff
  • Efficiently managed to achieve the cost targets by Management by using data analysis technics first time in the organisation

Credit Manager

Kotak Mahindra Prime Limited
07.2012 - 05.2016
  • Spearheaded entire gamut of credit underwriting- personal loan originations
  • Collaborated with the sales & operations for any discrepancies or smooth flow of the business
  • Supervised the preparation and analysis of periodical MI in coordination with Business / Credit/ Central Processing Unit

Education

Chartered Accountancy -

The Institute of Chartered Accountants of India

Bachelor of Accounts & Commerce - undefined

Indira Gandhi National Open University

Skills

Strategic Decision Making

Accomplishments

  • Efficiently managed to cut the cost per contract by more than 50% and improved TAT of FI by 80 pc with the help of data analysis technics first time in the organisation.
  • Overall TAT of Login to Approval has been improved from 2 days to 4 to 8 hrs by using Time-Motion theory and tracking through Excel tool.
  • Worked out to establish the inter-department support and utilise the same for organisation’s benefit. Achieved better infant closing numbers.
  • PPT presentation was given in 2015 as futuristic Suggestion on implementation of Digital RCU process for cost efficiency for better TAT whereas importance of suggestion has been recognised by organisation now in pandemic and made it top most implementation list of 2023 year.
  • Managed to acquire the balanced and stable team in Bangalore location in 2017 which is struggling to have stable team for more than 4 years.
  • Worked towards improving the efficiency levels of team to deliver better results by driving towards organisation goals and expectation.
  • Spearheaded Bengaluru location that was awarded as best branch for the financial year 2017-18 in terms of Business and Delinquency.
  • Earned 2 promotions within 6 years’ time span from credit Manager to chief Credit manager.
  • Secured highest rating for the financial year 2015-16, 2016-17, 2018-19 and 2022-23.
  • Secured All India 8th Rank in CA-CPT.
  • Secured District 8th Rank in competitive exams conducted for qualification in Residential Schools.

Personal Information

  • Date of Birth: 08/10/89
  • Gender: Male
  • Marital Status: Married

Certification

Certificate course on Fundamental Analysis and Technical Analysis Including Equity Research

Interests

Financial Planning

Real Estate Market Evaluation

Technical Analysis of Equity Markets

Reading Personal Development & Finance Books

I am a goal oriented person with more than 12 years domain knowledge and exploring new challenges/Learning in my total experience.

My focus is to improve myself and learn things by reading multiple book and interacting diverse people gain the ample knowledge in domain

I would like to part of management teams of the well known organization and contribute the skills for the growth of the organization

Timeline

Certificate course on Fundamental Analysis and Technical Analysis Including Equity Research

10-2024

Location Credit Head

Kotak Mahindra Bank Limited
08.2022 - Current

Location Credit Head

Kotak Mahindra Bank Limited
02.2021 - 07.2022

State Credit Head

Kotak Mahindra Prime Limited
12.2017 - 01.2021

Location Credit Head

Kotak Mahindra Prime Limited
05.2016 - 11.2017

Credit Manager

Kotak Mahindra Prime Limited
07.2012 - 05.2016

Bachelor of Accounts & Commerce - undefined

Indira Gandhi National Open University

Chartered Accountancy -

The Institute of Chartered Accountants of India
VENKATESWARARAO KOPPULAChartered Accountant