YOGANAND AAKULA
Credit Manager
Hyderabad,TG
Summary
Experienced Credit Manager with over 15 years of experience in Banking and Financial Services, including 8+ years in Credit Underwriting, Risk Assessment, and Mortgage Lending. Proven expertise in evaluating retail asset proposals, financial analysis, CAM preparation, banking assessment, bureau analysis, and customer due diligence. Strong track record of balancing business growth with portfolio quality while ensuring compliance with regulatory and organizational policies. Skilled in team leadership, stakeholder management, and process improvement.
Overview
15
15
years of professional experience
Work History
Credit Manager - Centralized Credit & Operations Group
AXIS BANK
05.2018 - Current
- Managing end-to-end credit underwriting for Home Loan and Mortgage proposals.
- Assessing customer repayment capacity through analysis of income documents, financial statements, banking transactions, and credit bureau reports.
- Conducting Personal Discussions (PD) and evaluating customer profiles for creditworthiness.
- Preparing detailed Credit Appraisal Memos (CAM) and recommending credit decisions as per policy guidelines.
- Evaluating salaried, self-employed business, and professional customer segments.
- Reviewing KYC, compliance, legal, technical, and policy requirements before approval.
- Ensuring adherence to RBI guidelines, internal credit policies, and risk management standards.
- Managing portfolio quality through prudent credit assessment and risk mitigation.
- Coordinating with Sales, RCU, Legal, Technical, CPA, Operations, and Product teams for seamless processing.
- Monitoring turnaround time (TAT) and maintaining service quality benchmarks.
- Leading and mentoring a team of 12 credit profession
- Successfully managing credit underwriting for retail mortgage products with strong focus on portfolio quality.
- Developed expertise in financial analysis, banking analysis, and risk evaluation.
- Consistently maintained quality and productivity standards within defined TAT.
- Handled complex and exception-based credit proposals through detailed assessment and risk evaluation.
- Contributed to process improvements and operational efficiency initiatives.
Assistant Manager - Retail Assets Operations Group
ICICI BANK
04.2012 - 05.2018
- Managed mortgage loan booking, cancellation, servicing, and closure processes.
- Processed sanction and disbursement of mortgage loans.
- Published MIS reports and operational dashboards for senior management.
- Ensured compliance with internal policies and regulatory guidelines.
- Coordinated with multiple teams to improve operational efficiency and customer service delivery.
- Maintained performance trackers and operational reporting.
- Automation & Projects
- Played a key role in Prepayment Automation initiatives including SOP preparation, UAT testing, and implementation.
- Participated in GST and GST Reversal implementation projects.
- Conducted User Acceptance Testing (UAT) for system enhancements and process improvements.
- Contributed to the development of operating guidelines and process standardization initiatives.
Central Retail Operations Group
ICICI BANK
02.2011 - 03.2012
- Account Opening Operations.
- Fixed Deposit and Recurring Deposit Processing.
- Reconciliation and Operational Controls.
- Customer Account Maintenance Activities.
Education
MBA - Finance
Kakatiya University
Warangal 04.2001 -
Skills
Credit Underwriting & Risk Assessment
Home Loans & Mortgage Lending
Credit Appraisal Memo (CAM) Preparation
Financial Statement Analysis
Banking Analysis & Cash Flow Assessment
Bureau (CIBIL) Analysis
Personal Discussion (PD)
KYC & AML Compliance
CAREER HIGHLIGHTS
- 15+ years of experience in Banking and Financial Services.
- 8+ years of experience in Credit Underwriting.
Accomplishments
- Supervised team of 12 staff members.
Languages
English
Telugu
Hindi
Software
Finnone CAs
SFDC
Omni docs
Timeline
Credit Manager - Centralized Credit & Operations Group
AXIS BANK
05.2018 - Current
Assistant Manager - Retail Assets Operations Group
ICICI BANK
04.2012 - 05.2018
Central Retail Operations Group
ICICI BANK
02.2011 - 03.2012
MBA - Finance
Kakatiya University
04.2001 -