Krishna Chaitanya Mobile: 994-997-6015

Email: krishna08gorrepati@gmail.com

OBJECTIVE: To focus on generating good value for the organization and improve my decision making skills by putting all my expertise and experience that I have gained over the years.

CAREER SUMMARY: Result-focused, quality-driven professional with over 12 years of experience in Credit appraisal & Risk Analysis for Small and Medium Enterprises, Underwriting retail credit cards, approving Commodity based finance and also Credit control(Business collections). Currently associated with ICICI Bank Ltd., Hyderabad, as Risk Manager for Enterprise credit. Demonstrated excellence in the overall assessment of client credit worthiness, monitoring & review of the disbursed portfolio. A team player with exceptional relationship management & analytical skills. Also got an opportunity to be associated with the top class companies like GE Capital & Dell Financial Services which has helped me to groom myself and helped to achieve excellence in execution. My strong ability is to lead and co-ordinate with team which has always helped me to get the best out of least.

EDUCATION Completed Bachelor’s in Computer Applications (B.C.A) from Osmania University, Hyderabad, India in June of 2001.

EMPLOYMENT HISTORYEmployer : ICICI Bank LtdPeriod : October 2012-Till dateIndustry : BankingPosition : Risk Manager (Enterprise credit).Product : Working Capital Finance, Commodity Based Finance, Corporate Linked Rural Finance.

Responsibilities: Credit underwriting of working capital limits, Commodity Based Finance, Corporate Linked Rural

Finance. Review and analyze the financial strength and soundness of the customer to identify key risks to the

continued credit worthiness of the business and understand and assess the customer's business model and its viability in the long run

The detailed role & responsibilities include financial analysis, Bank statement analysis, Collateral check and business SWOT analysis, to identify the strengths and areas of potential risks of the proposal. Suggesting mitigants for all credit concerns and enabling the credit decisions.

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Assessment of the limits, highlighting all the strengths & weaknesses inherent in the proposal to the sanctioning authorities / forums, enabling to take credit decisions.

Ensuring quality in appraising the proposal in adherence with statutory and ICICI bank policies & guidelines.

Ensuring rejection of un-remunerative or vulnerable accounts through which qualitative portfolio build up can be made.

Coordination with various teams i.e Sales & Relations, Credit, Technical, Legal and collections team in finalizing a proposal.

Handholding sales managers by visiting their markets and helping them in sourcing correct files apart from giving them credit perspective on various parameters.

Monthly account review for fresh cases (for first 6 months) which includes EWS triggers. Quarterly review of sanctioned cases.

Continuously training sales team on various aspects of programs and credit aspects of various proposals.

Audit: - Interface with the Internal Audit Team and ensure that all queries are resolved and reports submitted in time.

Providing continuous inputs to policy and product team for modification of existing policies and also for incorporating new guidelines..

Recognitions: Won two eagle eye awards for the years 2014 and 2015 for the due-diligence exhibited while sanctioning the proposals.

Employer : GE CapitalPeriod : August 2006 – October 2012Industry : Retail Finance Consumer SolutionsPosition : Senior Credit Analyst (Risk Management)

Responsibilities: Identifying and measuring risk faced and calculating credit risk, making decision on the applications and

preventing loss by evaluating credit risk. Analyze credit data and financial statements to determine the degree of risk involved in

extending credit or lending money. Supervise / participate in complex credit risk reviews of new lenders, Provide feedbacks and assess the

performance, making recommendations for improvement. Handling escalations for resolving critical issues. Ensure all risk management guidelines are adhered to. Besides core responsibilities of credit analysis, measuring risk factors, validating customer’s financials.

I was also working on various projects relating to red flag reports. SPOC for the work group in identifying the training needs, arranging quality meetings.

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I have gone through many leadership programs and trainings which help me professionally and personally.

Rewards and Recognitions:Received productivity champion award for two consecutive years (2008 & 2009) from the leadership team which I consider to be one of the great achievements .I have received several quarterly awards like cutting edge and Big Y awards.

Employer : Dell Financial services.Period : March 2004-April 2006.Industry : Financial servicesPosition : Senior Credit Controller (Home and Small Business Team)

Responsibilities: Collections & Metrics Attainment: Developing & adhering to collections procedures and to keep overdue

levels to a minimal. Contacting Business customers who have a term account with Dell Maintaining Low DSO (Days Sales Outstanding) Ensure 100% adherence and compliance to the group credit control policy. Ensure proper maintenance of all customers’ files- done on weekly, monthly and quarterly basis. Consistently hit 100% accuracy on monthly customer’s database reconciliation and update. Prepare and present report on monthly collection targets and actual collections vs. targets Maintaining Low BDP (Bad Debt Provision) Liaising with credit analyst team in regards to issues on the credit limit for the customers. Liaising with sales and customer relations to solve various customer issues.

Rewards and Recognitions:During my tenure in Dell I was awarded with Performer of the Quarter for July & October 2004, and was also able to bag Performer of the month awards for January & April 2005.

Employer : GOLD STONE TELE SERVICESPeriod : September 2002-September 2003.Industry : BPOPosition : Customer Service Executive.

Responsibility: I was associated with united credits which was one of the most prestigious processes amongst others. It

required a lot of conversational and analytical skills as it dealt with post sales and verification. I was

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responsible for validating sales made by the associates. Also provided assistance in coaching the new hires and giving quality feedbacks.

I got the opportunity to undergo in-depth training in Mortgages, Credit cards and Banking system in US.

References to all mentioned details are available and can be submitted for perusal.

G.KRISHNA CHAITANYA

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