Laxman Reddy

An astute professional with nearly 9++ years of experience in Credit & Accounts Demonstrated by professionalism, positive attitude, commitment to excellence and ability to communicate, work with Senior Management, Associates & Customers. Utilized high levels of energy and superior multi-tasking abilities to manage overall Sales, Service & Credit operations in extremely high- disciplined manners; instituted company policies & procedures, execution and co-ordinating, motivating the co- staff to deliver highly remarkably customersatisfaction.

Cluster Credit Manager - FINOVA Capital Pvt.Ltd

(2024-09)

Working as Cluster Credit Manager secured Loan along with specially looking towards(HL,MSME & LAP) iam handling at 4 Branches.

• Evaluate Mortage loan(HL, MSME & LAP) applications to assess credit worthiness and Risk.
• Responsible for Credit Appraisal and Teammonitoring for the Home Loan, MSME & LAP etc.
• Undertake a thorough and comprehensive Single window credit assessment process, which can serve as enabler to offer right loan products to Customer.
• conduct through financial analysis and property evaluations.
• Ensure compliance with internal polices and regulatory requirements.
• Make informed decisions on loan approvals based on through analysis.
• Team & customer handling, deputation along with daily assign job work.
• Updating new revise policy & process with error less work.
• Undertake the credit assessment process within defined TAT.
• Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases.
• Maintaining credit MIS and various management reporting as required.
• Manage Audit compliance for the branch and support in other operational activities.

Credit Manager - IDFC FIRST BANK

(2021-02 - 2024-08)

Working as Credit Manager for secured & unsecured along with Dealership Products specially looking towards Business Loan, Personal Loans, Commercial Vehicle, Tractor Product,HL & LAP

• Completed assigned job both field & system work within TAT.
• Mitigated risk as well as maintained a healthy portfolio.
• Priority to given best underwriting as per Policy & Process
• Ensured best practices in underwriting as per policy & process
• Handled team and customer interactions with daily assigned tasks
• Conducted credit appraisals for loans to avoid business risk as per norms
• Dealer visit, Customer Visit Both PD & Collection
• Conducting Random Visits in order to cross Check the authenticity of Contact point verification.
• To manage post Disbursement documents and partly disbursed cases.
• Maintained credit MIS and various management reports as required.
• Manage Audit compliance for the branch and support in other operational activities.
• Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e., limit increases, loan postponements etc.
• Recommend process changes in order to improve service efficiency and quality across the assigned area.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and highquality customer service.
• Seek compliances of circulars/guidelines issued by RBI and making changes in policies accordance to the newly issued circulars and guidelines.

Credit Manager - Sambandh Finserv Pvt. Ltd

(2019-11 - 2020-12)

Worked as Branch Credit Manager handling Unsecured Loans along with Specially looking towards Business Loans, Personal Loans, and JLG Loan.

Credit & Appraisal Asst Manager - Annapurna Finance Pvt.Ltd

(2018-10 - 2019-10)

Working as Credit Manager both unsecured Loan along with Specially looking towards JLG Loan.

Sales Officer - HDFC BANK

(2015-12 - 2017-10)

Working as Sales Officer unsecured Loan along with Specially looking towards JLG Loan

B.TECH - Sundargarh Engineering College, Sundargarh (2010 - 2014)

CHSE - N.A.C College, Burla (2008 - 2010)

HSC - Govt Boy's High School, Burla (2008)