 Implementation and adherence to the credit policy of Business Loans  To execute eligibility check,  Credit Underwriting ,Credit Appraisals, Credit Decisions,  Document screening and loan Approval processing, Imparting Training to Staff & Vendors in line with the Credit Policy, Maintaining of quality Login and Disbursement & Portfolio Management, Delinquency Analysis & Control TAT monitoring, Maintaining in reduction of Processing Cost, Non-discrepancy check for all disbursement files & dockets and ensuring all documents collected coincide with policy requirements and hence avoiding a hind sighting error in the disbursal process and maintain accuracy,

Branch Credit Manager (Auto Loan, Used Car Loans, Personal Loans , Business Loans Gold Loan, Loans Against Property (Mortgage Loans ) at Hyderabad Implementation and adherence to the credit policy of Auto Loan, Used Car Loans, Personal Loans , Business Loans ,Gold Loan, Loans Against Property (Mortgage Loans)  To execute eligibility check,  Credit Appraisals, Credit Decisions,  Document screening and loan Approval processing, Imparting Training to Staff & Vendors in line with the Credit Policy, Maintaining of quality Login and Disbursement, Delinquency Analysis  TAT monitoring, Maintaining in reduction of Processing Cost, PDD maintenance,  To Execute Process in line with Internal & External Process Auditors Non-discrepancy check for all disbursement files & dockets and ensuring all documents collected coincide with policy requirements and hence avoiding a hind sighting error in the disbursal process and maintain accuracy,

State Credit Manager (New Car, Used Car, Two wheeler Loans, Gold Loans, Consumer Loans, Small Ticket Mortgage LAP)Joined as Credit Manager and Handled Used Car Loans,New Car Loans and TWL Since April’12 to Sept’12 , From Oct’12 Handled 22 Gold Loan Branches Across AP as State Credit Manager From July’14 Handled small ticket LAP and LAG as State Credit ManagerImplementation and adherence to the credit policy of UCL,Auto Loans , TWL, LAG, LAPTo execute eligibility check, Credit Appraisals, Credit Decisions, Document screening and loan Approval processing,Portfolio Monitoring and Performance analysis of sourcing channels,Imparting Training to CPA Staff & Vendors in line with the Credit Policy,Maintaining of quality Login and Disbursement,Delinquency Analysis to highlight out the stressed sourcing Channels, TAT monitoring, Maintaining in reduction of Processing Cost, PDD maintenance, Managed 22 Gold Loan Branches in AP Across Hyderabad and VisakhapatnamManaged a team of 4 Credit Cluster Managers 27 Credit Officers and 25 Outsourced Gold Valuers Ensuring Quality on Gold Valuation Ensuring on Gold Packet reconciliation Ensuring Quality on Gold Audit (Periodic and Surprise Audits)Ensure GL Branches are in line with Internal & External Process AuditorsNon-discrepancy check for all disbursement files & dockets and ensuring all documents collected coincide with policy requirements and hence avoiding a hind sighting error in the disbursal process and maintain accuracy,

Implementation and adherence to the credit policyTo execute eligibility check, Credit Appraisals, Credit Decisions, Document screening and loan Approval processing,Portfolio Monitoring and Performance analysis of sourcing channels,Imparting Training to CPA Staff & Vendors in line with the Credit Policy,Maintaining of quality Login and Disbursement,Delinquency Analysis to highlight out the stressed sourcing Channels, TAT monitoring, Maintaining in reduction of Processing Cost, PDD maintenance, Non-discrepancy check for all disbursement files & dockets and ensuring all documents collected coincide with policy requirements and hence avoiding a hind sighting error in the disbursal process and maintain accuracy,

Ensure Exposure Monitoring and Dunning Handling Usage Monitoring of High Exposure customer Ensure Dunning Activity as per Schedule Bill Cycle WiseTo Safeguard the Companies Revenue from Exposure and bad DebtsAgency Coordination in terms of Collection Bill Generation and DispatchPreparing and maintaining reports- MIS

Handling CAP Team (18 CPA Executives), Implementation and adherence to the credit policyTo execute eligibility check, Credit Appraisals, Credit Decisions, Document screening and loan Approval processing,Portfolio Monitoring and Performance analysis of sourcing channels,Imparting Training to CPA Staff & Vendors in line with the Credit Policy,Maintaining of quality Login and Disbursement,Delinquency Analysis to highlight out the stressed sourcing Channels, TAT monitoring, Maintaining in reduction of Processing Cost, PDD maintenance, Preparing and maintaining reports- MISNon-discrepancy check for all disbursement files & dockets and ensuring all documents collected coincide with policy requirements and hence avoiding a hind sighting error in the disbursal process and maintain accuracy,

mplementation and adherence to the credit policyTo execute eligibility check, Credit Appraisals, Credit Decisions, Document screening and loan Approval processing,Portfolio Monitoring and Performance analysis of sourcing channels,Imparting Training to CPA Staff & Vendors in line with the Credit Policy,Maintaining of quality Login and Disbursement,Delinquency Analysis to highlight out the stressed sourcing Channels, TAT monitoring, Maintaining in reduction of Processing Cost, PDD maintenance, Preparing and maintaining reports- MISNon-discrepancy check for all disbursement files & dockets and ensuring all documents collected coincide with policy requirements and hence avoiding a hind sighting error in the disbursal process and maintain accuracy,

To execute Credit Appraisals, eligibility check, document screening and PL Approval processing Customer interviews and meetings with the customers for AppraisalsMonitoring interview schedules, TVR and FCI, CAM preparationMaintaining credit portfolio of customers, Re appraisals, Portfolio and MIS worked at startup locations/branches at tirupathi ,nellore , hyderabad

Credit Verification, Fraud Management System-FMS, Usage Monitoring, Dunning Process, Pre Bill Run Check for Bill Generation To assess the Credit worthiness of the customer through External Agencies and update Credit Category, Credit limits Determines credit worthiness of customers Ensuring quality Credit Verification by monitoring that all subscribers are verified & Credit Category, Credit Monitoring that no defaulter is entered into the network due to poor Credit verificationMonitoring agency performance, analyzing results and establishing Objectives/TargetsMaintain very high customer satisfaction ratings with Credit VerificationMaintain very high level of inter departmental interactions.Providing Training to new Employees and C V AgenciesInternal Audit on the Process & work flow Handling MIS on Credit & Risk for Tamil Nadu & Kerala Circle Handling a Team of 6 MembersHandling FMS -Fraud Management SystemUsage MonitoringDunning Process