banking and credit

RAVINDAR GOLLAPUDI

No. */**, Bhajanai koil street, 2nd lane,

Ground floor

Choolaimedu

Chennai 60094

Mobile: 904-***-****

Email: **********@*****.***

Aspiring towards Challenging Assignments in Operations / Credit with a reputed organization.

PROFESSIONAL ABRIDGEMENT

•An astute Team Leader with 12 years of experience in the areas of:

Credit – Auto loans Credit Home Loans Team Management Operations

Statutory Compliance Relationship Management MIS

Branch Banking

•Currently associated with Tata Capital Financial Services LTD as Credit Manager Car Finance for Tamil Nadu

since Jan'2014.

•Scrutinizing & processing Auto loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Auto loan applications based on documentation, reports.

•Co ordinate with FI agencies & Valuators.

•Sanction and Disbursement of Auto loan applications submitted.

•Previously associated with ICICI Bank as Credit Manager,Chennai (Auto loans,Housing Finance) ( Sept'2006

Jan'2014).

•Scrutinizing & processing Auto loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Auto loan applications based on documentation, reports.

•Maintain and lead a team of CPA’s.

•Co ordinate with FI agencies.

•Sanction and Disbursement of Auto loan applications submitted.

•Earlier to Auto loans was handling Housing loans.

•Scrutinizing & processing home loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Housing loan applications based on documentation, reports.

• Scrutinizing & processing home loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Housing loan applications based on documentation, reports.

•Have been successful in training, motivating and leading the team towards achievement of targets set by the

company.

•Providing regular performance feedback to the team to ensure better performance and achievement of targets3.Ability

to generate and maintain MIS without any error

•Motivated team contributor with a sense of commitment to innovate operational efficiency, minimize risks and

coordinate corss functional and multi functional processes to perform at peak levels.

•An effective communicator with excellent relationship building & interpersonal skills, strong analytical, problem solving

& organizational abilities. Possess a flexible & detail oriented attitude.

•Ability to work in the absence of clear directions towards enunciated organizational goals and achieve set targets in

time space constraints.

•An effective communicator with excellent relationship building & interpersonal skills. Strong analytical, problem solving

& organizational abilities. Possess a flexible & detail oriented attitude.

AREAS OF EXPERTISE

Credit

•Scrutinizing & processing Auto loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Maintain and lead a team of CPA's.

•Approval of Auto loan applications based on documentation, reports.

•Scrutinizing & processing home loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Housing loan applications based on documentation, reports.

•Maintain and lead a team of CPA’s.

•Co ordinate with Legal, Technical and FI agencies.

•Sanction and Disbursement of Home loan applications submitted.

Branch Administration

•Handling retail banking operations related to Savings Accounts, Current Accounts, Term Deposits, etc.

•Implementing competent strategies for boosting the business with a view to penetrate new accounts and expand existing

ones for meeting pre determined business objectives and targets.

•Identifying new streams for revenue growth and developing plans to build consumer preference across the assigned

regions.

•Driving Quality initiatives with a view to achieve supreme quality in customer service.

•Driving various cross sell products offered by bank; e.g Mutual Funds, etc.

Credit Operations

•Good understanding in scrutinizing all documentation for sanction of home loans, sanction and disbursement of home loan

applications.

•Preparing and submitting MIS Reports.

•Ensuring adherence to all statutory regulations of RBI.

•Negotiating and arranging Letter of Credit and Bank Guarantees .

Team Management

•Leading, mentoring & monitoring the performance of the team to ensure efficiency in process operations and meeting of

individual & group targets.

•Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance

amongst Team members.

•Addressing grievances of the team & implementing performance development programs to ensure achievement of targets

set by the company.

Relationship Management

•Ensuring customer satisfaction by responding to customer queries, achieving delivery & service quality norms.

•Driving Quality initiatives with a view to achieve supreme quality in customer service.

OCCUPATIONAL CONTOUR

•Currently associated with Tata Capital Financial Services LTD as Creit Manager Car Finance for Tamil Nadu since

Jan'2014.

•Scrutinizing & processing Auto loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Auto loan applications based on documentation, reports.

•Co ordinate with FI agencies & Valuators.

•Sanction and Disbursement of Auto loan applications submitted.

Since Dec’06 with ICICI Bank as Credit Operations Manager, Visakhapatnam (Housing Finance for Andhrapradesh)

Accomplishments:

•Scrutinizing & verifying documents for home finance to ensure adherence to bank guidelines.

•Responsible for a team of 15 personnel handling home finance.

•Preparing & submitting reports required by Zonal Head.

•Have been successful in training, motivating and leading the team towards achievement of targets set by the company.

•Providing regular performance feedback to the team to ensure better performance and achievement of targets.

Since July’10 with ICICI Bank as Credit Manager, Chennai (Housing Finance)

•Scrutinizing & processing home loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Housing loan applications based on documentation, reports.

•Maintain and lead a team of CPA’s.

•Co ordinate with Legal, Technical and FI agencies.

•Sanction and Disbursement of Home loan applications submitted.

•Have been successful in training, motivating and leading the team towards achievement of targets set by the company.

•Providing regular performance feedback to the team to ensure better performance and achievement of targets.

Since August’11 with ICICI Bank as Credit Manager, Chennai (Auto Loans)

•Scrutinizing & processing Auto loan applications.

•Maintain and monitor Credit TAT, Underwriting of proposal.

•Approval of Auto loan applications based on documentation, reports.

•Maintain and lead a team of CPA’s.

•Co ordinate with FI agencies.

•Sanction and Disbursement of Auto loan applications submitted.

Sep’03 Dec’06 with UTI Bank as Executive, Nellore & Chennai, T.Nagar Branches

Accomplishments:

•Branch Banking Managing Cash Clearing & other Banking operations.

•Handling marketing & sales of Personal loans, Housing Loans, Fixed Deposits in Nellore & Chennai branches.

•Acquisition of new accounts and cross selling Life Insurance/ General Insurance/Credit Card products.

•Initiating & monitoring the quality initiatives, aimed at increasing customer service delivery levels to aid in cross selling of

products.

•Managing customer centric banking operation and targeting non customers & high net worth individuals.

•Ensuring the achievement of set targets for Deposit Mobilization, Insurance, Mutual Funds & Insurance products.

Jun’02 Sep’03 with The Karnataka Bank LTD as Clerk, Tirupur Branch, Tamilnadu

Accomplishments:

•Responsible for all clerical work.

•Maintaining relationship with SME Clients of Tirupur

•Managing Cash clearing and other banking operations

•Adhering to bank guidelines, timely completion of work

Jun’01 Apr’02 with Scope International Pvt. Ltd., (Subsidiary of Standard Chartered Bank) as Associate (Credit

Operations Department)

Accomplishments:

•Responsible for the Credit Returns Team including assisting the Credit Operations Department in ensuring adherence to

various statutory requirements of RBI.

•Preparing internal returns documents & handling performance analysis.

•Ensuring submission of all reports in a timely manner.

•Generating accurate MIS reports & providing customer MIS data to CMIS team.

•Handling all coordination with the integration team.

•Ensuring adherence to all regulatory requirements.

•Coordinating with various centers for preparing reports & handling queries, if any.

•Hands on experience with Bank’s systems to ensure smooth running of operations.

EDUCATIONAL CREDENTIALS

•X Class from St. Thomas Matriculation Higher Secondary School, Chennai in 1992, secured 61%

•XII Class from St. Thomas Matriculation Higher Secondary School, Chennai in 1994, secured 81%

•B.Com (Corporate Accounting, Cost & Management Accounting, Taxation) from Loyola College, Chennai, in 1997, secured

61%

•MBA (Finance) from D.G.Vaishnav College, Chennai, in 1999, secured 63%

IT SKILL SET

Unix, C++, Oracle 7.1, PB5 & VB4 from Software Solutions Integrated Ltd., Chennai

Microsoft Office

PROJECTS

1 month ‘Credit Appraisal Project’ with Indian Overseas Bank, Chennai

3 months ‘Analysis of Factors influencing Indian Rupee Exchange Value’ Project with ANZ Grindlays Bank, Chennai

PERSONAL DETAILS

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Date of Birth 7 December 1976

Permanent Address C/o P. Ramamurthy, 16/694, Sankara Agraharam, Nellore 524001

Mobile 904-***-****

Email **********@*****.***

Languages Known English, Hindi, Telugu, Tamil

Current CTC Rs.7.5 Lacs

Contact this candidate