A.K.Shyam Sunder H.No. 12-11-950/1, Warasiguda, Secunderabad - 500061 E-mail:
[email protected], Mobile: 9949496778
A professional with experience in Non-Banking Financial Companies with strong customer focus; 3 years experience as team leader, seeks a managerial assignment, preferably in Hyderabad, of Credit Manager in Banking/ Non Banking Financial Company.
Career Profile •
Professional with expertise in credit appraisal of rural and urban clientele, proficiency in the entire credit management process.
•
Proven experience in competently managing branch operations of Non Banking Financial Institutions, risk assessment and secured/unsecured loan disbursal with full internal controls.
•
Excellent team development and management skills, during 3 years experience, developed and led team in achieving spectacular results with 100% loan recoveries.
•
A self motivated leader with excellent motivation, execution and communication skills.
•
Possesses Business ethics and personal integrity.
•
Experience of Working in Rural, Urban & Metro areas.
•
Managed High levels of Credit Risk and reduced loan delinquencies.
•
Worked closely with customers to achieve highest customer satisfaction levels.
•
Guided, mentored, trained and developed the subordinates, ensured their skill development.
Professional Experience FULLERTON INDIA CREDIT COMPANY LTD., NALGONDA CREDIT EXECUTIVE, OCTOBER 2007 TO APRIL 2008 Fullerton India Credit Company Ltd. is a Singapore based financial company with a range of financial products and solutions, including micro financing. It specializes in financing the mass market and low income population segments and has successfully exploited a customer centric, community based business model. Responsibilities: • As Credit Executive, interact with the clients; appraise the credit worthiness, through cash flow analysis, business appraisal. •
Underwrite assets and approve unsecured loans as per Fullerton norms, with full responsibility.
•
Monitor and guide the performance of credit officer, control operations with built in controls.
•
Keep track of loan repayment and compliance.
•
Expand the credit business, ensure targeted branch profit and work for customer satisfaction.
•
Motivate and mentor the credit officer.
Major Achievements: •
Approved and disbursed loans to around 200 clients, who are repaying the loans at on time 100% recovery rate.
•
Given approvals for more than 400 Customers in 6 months.
HDFC
BANK,
HYDERABAD
CREDIT OFFICER, SEPTEMBER
2005 -OCT 2007
The Housing Development Finance Corporation Limited (HDFC) is India's premier housing finance company and also has a wide array of retail loan products including Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers services to the rural and urban economically active poor on a commercially sustainable basis. Responsibilities
•
As Credit officer, appraised the client business, assessed credit worthiness and approved/
•
Involving in the entire credit process for Hyderabad which includes seven branches
disbursed secured/ unsecured loans. currently disbursing 400+numbers per month
•
Ensured loan recovery with constant follow up with the clients.
•
Planned and monitored the activities of the staff.
•
Identified training needs and imparted training to the staff and ensured their professional development.
•
Ensured regular repayment.
•
Provided easy access and prompt customer service, and worked for long term business.
•
Led and motivated the sales and services team, and through their cooperation achieved the financial business.
Additional Responsibilities
•
Prepare Monthly MIS, Reject Analysis, and Disbursal Analysis and cost Analysis on Monthly Basis.
•
If Situation demands, doing discussion with customers and measuring the eligibility
Educational Qualifications
•
M.B.A (Finance) from R.G. Kedia P.G.College, Osmania University in 2004.
•
B.Com from Badruka College of Commerce, Osmania University in 2002
•
Intermediate from Board of Intermediate Education in 1999.
•
S.S.C. from School of Secondary Education in 1997.
IT Skills
PGDCA (Post Graduate Diploma in Computer Applications) from GEENI COMPUTER EDUCATION (an A.P Government, Registered Educational Society & Sponsored by Ministry of HRD - Govt. of India). Operating Systems
:
DOS, Windows 95, 98, XP
General Package
:
Microsoft Office Suite
PROJECT in M .B.A (Finance) Topic Company
:
SEBI Guide lines on investors protection.
:
HYDERABAD STOCK EXCHANGE.
Strengths •
Zeal to learn and energetic and sense of responsibility.
•
Highly efficient and organized.
•
Having penchant desire and flair for innovation.
•
Excellent reputation for professional communication.
Personal Information Name
:
A. K. SHYAM SUNDER
Date of Birth
:
4th July, 1981.
Marital Status
:
Single
Languages Known :
English, Telugu and Hindi
Place : Hyderabad Date
:
(A.K.SHYAM SUNDER)