Ch Arun Teja
Hyderabad
Summary
A competent professional with an experience of 10 years 6 months in Credit underwriting operations inclusive of risk management and mitigation in financial service sector. Currently associated with Cholamandalam Investment and Finance Corporation as Area Credit Manager for Hyderabad.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Area Credit Manager
Cholamandalam Investment & Finance Company
09.2022 - Current
- Managing team of credit professionals, monitoring daily activities of Team ensuring to deliver committed members.
- Assess customer based on customer documents, FI reports, visit reports, Bureau report (CIBIL), bank statement verification etc.
- Conduct PD for self-employed cases, assessing customer profile and fitting it as per policy.
- · Sanctioning Authority of up to 30Lakh for salaried & Self-Employed files.
- Analyzed market data to identify new business opportunities within region, contributing to increased market share and over all revenue growth.
- Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance with all applicable laws and regulations.
- Enhanced team productivity by providing regular training sessions on credit management topics.
- Managing a diverse portfolio of customers, maintaining low delinquency rates through proactive account management.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- · Coordinating with Legal/Technical and FI / Risk Containment Unit (RCU) Agencies for processing and disbursing files.
- Monitoring PDD data and delinquency data, analyzing delinquency based on product, area and profile.
Territory Portfolio Manager
ICICI Housing Finance
12.2019 - 09.2022
Credit Manager
Dewan Housing Finance Corporation Ltd
12.2017 - 12.2019
Branch Credit Manager
ICICI Bank Ltd
02.2013 - 12.2017
Education
PGDM - BANKING AND FINANCE
MANIPAL UNIVERSITY
Bengaluru, India01.2014
Bachelor of Technology - Information Technology
J.B.R.E.C, JNTU Hyderabad
Hyderabad, India01.2011
Skills
- Proficient in MS Excel , Word and Power point
- Portfolio Management
- Mentoring and training
- Fraud knowledge
- Cash Flow Management
- Risk Analysis and Mitigation
- Experience in mortgage lending with considerable knowledge of residential mortgage lending
- Ability to learn new concepts & technology and adapt to change as per Organization requirement
- Exceptional people management skills, a good team player, and self-motivated person
- Multilingual with proficiency in English, Telugu, Hindi, Kannada
Career Objective
To work in a challenging and dynamic environment, that gives me a scope to enhance skills towards my career growth and work closely with a team of professionals to attain organization goals and objectives.
Languages
English
Telugu
Hindi
Kannada
Personal Information
- Date of Birth: 04/10/90
- Nationality: Indian
- Marital Status: Married
Certification
- Completed certified CRISIL training for Mortgage loans.
- IRDA certification for insurance.
- Art of Personal Discussion by Virtuoskill.
Timeline
Area Credit Manager
Cholamandalam Investment & Finance Company
09.2022 - Current
Territory Portfolio Manager
ICICI Housing Finance
12.2019 - 09.2022
Credit Manager
Dewan Housing Finance Corporation Ltd
12.2017 - 12.2019
Branch Credit Manager
ICICI Bank Ltd
02.2013 - 12.2017
PGDM - BANKING AND FINANCE
MANIPAL UNIVERSITY
Bachelor of Technology - Information Technology
J.B.R.E.C, JNTU Hyderabad
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