K. Durga

Dedicated finance professional in the Non-Banking Financial Company (NBFC) sector. Skilled in underwriting and managing secured loan products, including Loan Against Property (LAP) and Home Loans (HL). Strong background in credit risk assessment, customer evaluation, and portfolio management. Known for maintaining high credit quality standards and ensuring compliance with internal and regulatory norms.

Credit Manager – Secured Loans at Vistaar Finance Pvt. Ltd. (2025-04 – Present)

At present, handling the Gudivada Branch

• Perform detailed credit risk assessments for secured loan proposals to ensure adherence to company credit policies.
• Handle underwriting and approval of Loan Against Property (LAP) and Home Loan (HL) cases.
• Evaluate borrower profiles, financial statements, and collateral documents to determine creditworthiness.
• Conduct portfolio management to monitor repayment behaviour and identify potential risks early.
• Collaborate with sales and operations teams to facilitate smooth loan processing and timely disbursement.
• Scrutinising the credit proposals by analysing the client's creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, and average bank balance.
• Interacting with the Legal and Technical agencies to ensure that property risk has been understood and mitigated.
• Submit Credit Appraisal Memo to the Sr. Credit Analyst / Regional Credit Manager for each proposal, highlighting the key risks associated with the borrower to enable a prudent credit lending decision.
• Follow up for the pending OTC and PDD documents for the handling location. Critical review of the pending documents.
• Continuous improvement in the credit approval process to meet the dynamic business needs and instituting mechanisms for adherence to risk associated with the products, the safety of the financed amount and customer satisfaction.
• Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases. Regular Monitoring and followup the branch Pending collections in various buckets.

SAP FICO Senior Analyst at Capgemini (2022-08 – 2025-03)

Overall 2+ Years of Experience out of which around 3+ Years in SAP as a Certified Functional Consultant in SAP FI/CO Modules

Sr. Associate for Home loans at ICICI BANK LTD. (2021-11 – 2022-08)

• Perform Mortgage Loan and prepare basic financial Statements.
• Financial document review
• Information verification
• Legal Compliances
• Field Investigation and File sanction and Disbursement process

M.B.A – Andhra Loyola College, Vijayawada (2021)

B.COM – Triveni Degree College, Vijayawada (2019)

Intermediate – N.R.I Junior Intermediate College, Vijayawada (2016)

SSC – Navabarath Public School, Vijayawada (2014)