Nakka Venkatesh
Hyderabad
Summary
To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills, Punctual Deputy Manager looking to obtain a position where outstanding communication and problem-solving talents can be fully utilized. Positive, ambitious and motivational. Proven background in providing supervision and development opportunities to associates.
Overview
8
8
years of professional experience
Work History
Credit Manager
Tata Capital Limited
2 2024 - 07.2024
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Collaborated with cross-functional teams to develop customized payment solutions that met business needs while minimizing risk exposure.
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
- Improved credit risk management by implementing effective underwriting policies and procedures.
Credit Manager
HDFC Credila Financial Services Private Limited
05.2022 - 02.2024
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
Deputy Manager, Credit Underwriter
Axis Bank
11.2017 - 05.2022
- Credit sanctioning and assessment of customer profiles
- Preparing MIS reports and addressing stakeholder’s queries
- Working with Team for achieving given targets in time
- Process improvement and cost reduction
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
Credit and Operations Executive
Bajaj Finserv
07.2016 - 11.2017
- Loan file disbursement, kyc validation, addressing customer queries and escalations
- Assisted with proactive client outreach initiatives and documented client correspondence in CRM system.
- Managed cross-functional collaboration to drive team engagement and keep members on course to achieve demanding company targets.
- Applied excellent problem-solving, process development and strategic implementation skills to lead and support all areas of operations.
- Welcomed visitors to office, communicated arrival to team and managed visit expectations.
Education
Master Of Business Administration - Finance And Banking & Financial Services
Gayatri Vidya Parishad College For Degree And Pg Courses
Bachelor Of Commerce - Commerce And Computer Applications
MVR Degree College Affiliated To Andhra University
Intermediate - Commerce And Economics
Government Junior College
Skills
MS Office
Financial statement review
Risk Analysis
Financial analysis and reporting
Process implementation
Languages
English
Hindi
Telugu
Timeline
Credit Manager
HDFC Credila Financial Services Private Limited
05.2022 - 02.2024
Deputy Manager, Credit Underwriter
Axis Bank
11.2017 - 05.2022
Credit and Operations Executive
Bajaj Finserv
07.2016 - 11.2017
Credit Manager
Tata Capital Limited
2 2024 - 07.2024
Master Of Business Administration - Finance And Banking & Financial Services
Gayatri Vidya Parishad College For Degree And Pg Courses
Bachelor Of Commerce - Commerce And Computer Applications
MVR Degree College Affiliated To Andhra University
Intermediate - Commerce And Economics
Government Junior College
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