Naukri_VibhutiSrinivasulu[9y_0m]

VIBHUTI SRINIVASULU
Mob: 08919278860 DOB:14.10.86

Email:[email protected]
Professional Synopsis:
Having 8+ years of rich experience in HL and LAP loans which in-turn leads to business
development, Sales and Marketing, Credit underwriting, Technical, Legal and Operations exposure,
Customer services and collection from non starters to mid buckets to arrest the flow to NPA.
Professional Experience:
Currently working in ICICI HFC LTD as Territory Business Manager from
30.10.18 to till date and the responsibilities for the same are mentioned
hereunder;
 Responsible for business generation of Home loan and Lap loan sales through the souring team,
channel Partners, like DSA and referral partners, builders and direct market.
 Empanelment of the Chanel Partners and giving the training to the channel partners on periodic
basis about our policy, products and process.
 Engaging/meeting Chanel partners and builders in the market, maintaining the good
relationship the Chanel partners & Builders, empanelment new Chanel partners, activating
inactive Chanel partners.
 Verticals-Sales, Credit, Operation, Technical & Legal and collection will be reporting to TBM. We
all are working in under one roof to see the end to end process faster-Decision-technical-Legal-
disbursement-collection. Responsible for getting the files to decide and disburse on time.
 Hand holding sales people and giving training on policy and product, process and making them
productive in terms sourcing files from the market through the Chanel partners, builders and
direct market. Traveling and guiding sourcing team to make them active and giving knowledge
about process, product, policy and market
 Hand Holding of Credit and operation, technical team to decide the files on time and giving the
support in terms deciding the files, giving one paper note on underwriting high value proposals,
file management, portfolio quality & management of branch hygiene
 Discussion with credit operation team for timely disbursement of dockets, collection PDD and
making entry and send docket, PDD and files to Rops for safe custody.
 Monitoring log in files, decisions and disbursement. Discussing about log ins, decisions,
Technical & Legal on daily basis with all team members are coming together at evening
 Lend to collect-delinquency management to maintain healthy portfolio and in charge of
collections in the territory and monitoring/collecting Field referral, Direct Field referral cases,
Bk X, Bk 1, Bk2 &3 and NPA cases through the collection team and souring team and daily
monitoring the collection payments and to see the PTP are converted into payments.
 Taking position of of NPA cases, issuing 13-2, 13-4, Handover of cheque bounce notices Sec 125.
VIBHUTI SRINIVASULU
Mob: 08919278860 DOB:14.10.86
 Identifying and hiring suitable man power for Sales, Credit, Operation, Technical and Collection
from market.
Previously worked as Credit Manager in HDFC Bank Ltd for a period of

Years from Nov.14 to Oct.18 and the responsibilities are hereunder;
 Underwriting of mortgage loans-Home, LAP, Affordable loans, Micro Lap, Balance transfers, Top
up, NRI and KGC proposals.
 Underwriting and analysis of Residential &commercial and revenue generating collateral
proposals(institutional, college & school, lodge properties.
 Underwriting & Analysis of Self employed (ITS) and Self Employed professionals (Doctors,
Charted accounts), Salaried, rental income, cash salaried, assessment income, LRD and balance
transfer proposals and underwriting and analysis of proprietorship firm, partnership firm and
private limited company income cases
 Analysis of financial -ITRS, Income statement, balance sheet and profit & loss accounts
statement analysis and banking, CIBIL history, performance of past loan repayment history,
liquidity, debt & asset management, profitability and analyses ratios to assess credit worthiness
in evaluation
 Underwriting high value proposals with desired level of quality and enabling achievement of
Branch business target
 Making timely Credit decisions by studying the complete profiles and using enablers like APS,
LOS, Finfort and Perfios tools.
 Conducting PD at Business place for the all SENP & SEP case sat Businesses place and telephonic
interview for the salaried case. Develop deep understanding of credit culture across assigned
geography
 Develop and execute debt management strategy & collections ad tracking and maintaining
portfolio quality and credit process
 Achieving the month on month TAT, Visits and Productivity and Self-appraise cases requiring
expertise as per the authority matrix
 File management, portfolio quality & management and branch hygiene. Looking after the credit
operations- Disbursement (dockets), LAN generation process and cheque printing of
disbursement cheque and credit operations -PDD collection and making entry and send it ops
safe custody.
 Tracking and Maintain healthy portfolio, Visiting Non starter cases and analysis what went
wrong in the proposal.
 Adhere to regulatory requirement and Compliance and process compliance and handle audit
queries
 Coordinating with sales, operations, legal, technical and customer service teams and also
Management of legal and technical process by co-ordination with legal vendors and technical
vendors.
VIBHUTI SRINIVASULU
Mob: 08919278860 DOB:14.10.86
 Empanelment of legal and technical vendors and vendor Bill Validations and adherence of TAT
for Payments
 Charge of collections of the assigned territory-Non Starter cases and Field referral, Direct Field
referral cases, Bkt X
 Conducting regular meetings with sales, DMA, Connectors, and Technical team.
 Achieving month on month disbursement target and timely execution and transfer of the
documents to the Ops HUB
Worked as Credit Processer in Axis Bank Ltd for a period of 1.6 years
from April.13 to Nov.14 and the responsibilities are hereunder;
 Dealing with farmers about agri loans which are suitable to their needs offered by the Bank and
getting NTB customer-New to Bank. Sourcing agri leads and converting them into agri proposal
 Completing the documentation within the TAT and Timely execution and transfer of the
documents to the Ops HUB. Conducting pre sanction visits and post sanction visits field
inspection
 Giving service to the customer which is most important in agri department as a retail agri
operations officer
 Review/Renewal of expired loan accounts will be done on time to time. Achieving
review/renewal month on month budgets and approving renewal call memos on time
 Solving Audit query which raised by the HUB on time
 Transferring the original documents to HUB for safe custody
 Follow-up with customers about overdue loan account and visiting the NPA customer to
understand the situation
Worked as a Credit Manager in NATRUST (National Trust Housing

Finance limited) for a period of 1 year from June.12 to April 13 and the
responsibilities are hereunder;
 Credit training given on policy, product and process to branch credit peoples as well CO credit
and prepared credit manual for home loans
 Worked as a single point of contact between corporate office and Branches and worked as
consultant to branches and as well customers about loan sanction and disbursement
 Daily work on sanction and disbursement of loans and made credit analysis report and reported
to Senior people. Prepared and analyzed Credit Department daily MIS. Surprise visit to the
branches for checking branch functioning and find appropriate solutions to the problems.
VIBHUTI SRINIVASULU
Mob: 08919278860 DOB:14.10.86
 Underwriting of HL & LAP and NRI proposals. Analysis of Self employed (ITS) and Self
Employed professionals (Doctors, Charted accounts), Salaried, rental income, LRD and balance
transfer proposals and underwriting and analysis of proprietorship firm, partnership firm and
private limited company income cases
 Analysis of financial -ITRS, Income statement, balance sheet and profit & loss accounts
statement analysis and banking, CIBIL history, performance of past loan repayment history,
liquidity, debt & asset management, profitability and analyses ratios to assess credit worthiness
in evaluation
 Making timely Credit decisions by studying the complete profiles
 Conducting PD at Business place for the all SENP & SEP case sat Businesses place and telephonic
interview for the salaried case. Develop deep understanding of credit culture across assigned
geography
 Achieving the month on month TAT, Visits and Productivity and Self-appraise cases requiring
expertise as per the authority matrix
 Visiting Non starter cases and analysis what went wrong in the proposal to maintain the
healthy portfolio.
 Adhere to regulatory requirement and Compliance and process compliance and handle audit
queries
 Coordinating with sales, operations, legal, technical and customer service teams and also
management of legal and technical process by co-ordination with legal vendors and technical
vendors.
Professional Achievements:
 Promoted as a Territory Business Manager in the year 2021 in the current organization.
 Received award from the Zonal head for the performance done in the year 2020 in the current
organization.
 Received certificate from Zonal Head as Knowledge Champion in the current organization.
 Received Golden Certification from CRISIL for financial analysis stream.
 Proven track record in builder channel as we have cracked good number of APF and Sourced
good business through builder channel.

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VIBHUTI SRINIVASULU

Mob: 08919278860 DOB:14.10.86

Previously worked as Credit Manager in HDFC Bank Ltd for a period of

Worked as a Credit Manager in NATRUST (National Trust Housing

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