Name : Inapakurthi Koteswara Rao
Email id : Navayugaca@gmail.com
Mobile : 9642458625, 9603743787
CAREER ABSTRACT:
l A competent professional with overall 8 + years of experience in Banking, Audit and Finance.
l Analyzed Customer data, documentation, sanction & disbursement of loans/ credit
facilities, delinquent analysis in order to determine client risk profiles.
l Capabilities in coordinating with internal/external customer for running successful
business operations and experience of implementing procedures and service standards
experience in business growth.
l Highly motivated, results oriented professional experience, proven track record of
consistency meeting and exceeding company goals & objectives.
l Ability to lead motivate Associates, tuned to fast paced environment.
EDUCATION:
l Semi Qualified CA (completed IPCC) in the year 2015
l Completed B. Com from Krishna University in the year 2013
l Completed intermediate from Board of Intermediate Education in the year 2010
l Completed 10th Class (SSC) from Board of Secondary Education in the year 2008
WORK EXPERIENCE:
l Axis Bank – Senior Credit Manager - (Business Loans Central team -Hyderabad)
– 1Year 4m (June 23 to Till now).
Working as a Senior Credit Manager for SBB BL Central team -PAN India .
Approving or rejecting loan requests , based on the Credibility and Potential revenues and
losses, Calculate financial ratios, Set up payment plants
Credit Underwriting of Unsecured Business Loans and Self-Employed Professional Loans.
Policy training to the biz team, DSA agency and Supported staff to the team on regular basis
Contact clients to gather financial data and documentation, Monitor progress of existing
clients
Visits Office/Business premises of Customer to confirm the Nature of Business and Activity.
Assessing Customer Credit Worthiness against Bank policy, Calculating Loan Eligibility for all
Business Loan and decision the case.
Ensuring all Files to Process with Quality and within TAT, Maintaining Proper Information
Relating to Pending and Sanction Files.
Handling all types of programs like SENP, Banking Surrogates program, GST Surrogate
program ,Income and ITR Surrogate as well
Coordinating with Business teams/ Credit Managers/ CPV Agency for smooth and better
process in day to day operations.
Maintaining Healthy Approval rates and Handles ticket size up to 35 lakhs with low audit
errors and managing the TAT.
Various Ratio Analysis in Case of High Ticket size Business Loan Cases (Financial analysis,
DSCR, Current ratio, Leverage ratio & other cash flow analysis)
Follow up on collection of Non Starter, EMR cases and if required write off cases as well
Process files as per policy – Login to Disbursement.
Vendor Management- On boarding new FI vendors and managing existing vendors- visiting
to take the review every month & ESG Survey of existing customers.
Publishing MIS – CMs productivity, TAT, approval % and reject analysis and Minutes of
meetings etc..
Other Job Knowledge & Experience:
l Bandhan Bank - Credit Manager - (Business Loans, Auto loans and TWL)
Vijayawada Hub :- 1.5 years ( From 15 th Nov2021 to May 2023)
l HDFC Bank - Credit Manager - (Business Loans) Vijayawada Hub :- 2.8 years
(From Feb 2019 to 10th Nov 2021)
l Great Eastern Retail Pvt Ltd- Accounts Manager -Vijayawada-1.5yrs
(October 2017 to Jan2019)
l Navayuga Infra tech India Pvt Ltd- Assistance Account Manager (Finance &
Taxation) Hyderabad 2 yrs (From Nov 2015 to Sep 2017)
COMMUNICATION & TECHNOLOGY TRAINING:
15 days of training in General Management & Communication Skills Course conducted by
ICAI, Hyderabad.
20 days of Advanced Information Technology Training conducted by ICAI, Hyd.
15 days of training in Information Technology Training course conducted by ICAI, Hyd.
7 days of Orientation Programme conducted by ICAI.
TECHNICAL SKILLS:
Working knowledge of MS-Office.
Well versed with Tally ERP 9.0
Focus.
Banking Software like Dops , LOS, SFDC, Laser Soft, Finn one, Flex Cube ,Branch Analytics ,Saksham
etc.
HOBBIES:
Playing Shuttle, Cricket
Listening to music & watching movies.
PERSONAL DETAIILS:
Full Name : Inapakurthi Koteswara rao
Father : I. Appa Rao
Marital Status : Married
DOB : 25-05-1993
Nationality : Indian
Languages Known : English, Telugu and Hindi.
Permanent Address : D no : 1113, New Rajiv Nagar, Payakapuram
Vijayawada , Andhra Pradesh 520015
I hereby declare that the details stated above are true and authentic to the best of my knowledge and
belief.
Place: Vijayawada. Inapakurthi Koteswara Rao
Date: Signature
