About
Credit Manager with 2.2 years of experience in retail credit underwriting and small business lending, including loan sanctioning, business cash flow analysis, portfolio risk management, and regulatory compliance.
Experience
Credit Manager (Loan Sanctioning Authority – Small Business Loans)
Bandhan Bank
June 2023 – August 2025 · Hyderabad, Vijayawada, and Khammam divisions
Exercised independent credit sanction authority up to ₹5 lakh; underwrote 200–250 Small Business Loan applications monthly; managed underwriting operations across 6 regular branches and supported up to 9 branches during peak volumes; maintained 98% TAT compliance, 96% productivity, and an average 9/10 audit rating; trained and mentored newly joined Credit Officers; collaborated with a 30-member cross-functional team.
Education
Dhruva College of Management, Hyderabad
PGDM, Marketing & HR
Siddhartha Degree & PG College, Hyderabad
Bachelor of Commerce (B.Com)