RAMANA REDDY CHIRIGI REDDY

Business Operations Manager at Xtracap Fintech India Pvt Ltd
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Contact Information
us****@****om
(386) 825-5501
Location
Hyderabad, Telangana, India, IN
Languages
  • English Native or bilingual proficiency
  • German Elementary proficiency
Skills

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Monimala Chatterjee

Ramana Reddy has successfully cleared Credit Risk Certification programmes of Vskills. Vskills is a prior learning assessment programme run by a Govt of India Enterprise. Ramana Reddy has cleared the assessment exam with a top percentile score and recommend him to any prospective employer.

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Credentials

  • Credit Risk Manager
    Vskills - A Govt. Initiative in Assessment & Learning
    Dec, 2017
    - Nov, 2024

Experience

  • Xtracap Fintech India Pvt Ltd
    • India
    • Financial Services
    • 1 - 100 Employee
    • Business Operations Manager
      • Jan 2023 - Present

      1) Works closely with the co-founder in reviewing company policies and business processes to develop, recommend and establish strategies, plans and processes to improve sales performance. 2) Assisted in underwriting, credit evaluation and determining risk and achieved a high level of quality standards. 3) Developed a strong network with Business Development Managers and established streamlined channel partners. 4) Improved business by onboarding new vendors and distributors following CDD norms with relevant documentation. 5) Analyzed various documentation like KYC, GST filings, bank statements and CIBIL reports for AML compliance to maintain a healthy loan portfolio. 6) Ensure that invoice management is done in a timely manner and disbursement is done within specified SLAs. 7) Assists in the compilation and preparation of month-end reports and the reconciliation of accounts receivable. 8) Facilitate daily onboarding and offboarding requests from the team and managers through Freshdesk ticket requests. Show less

  • Piramal Capital & Housing Finance Limited
    • India
    • Financial Services
    • 700 & Above Employee
    • Branch Credit Manager
      • Feb 2018 - Feb 2022

      1) Analyzed financial documents like Income tax returns, bank statements, sales & purchase bills and bureau reports for understanding credit worthiness. 2) Reviewed customer financial data, including AML investigations to ascertain the level of risk involved for credit decisions. 3) Prepare detailed reports on assessments and offer recommendations on applicant eligibility and credit worthiness, including loan options and conditions. 4) Successfully appraised loan applications within defined guidelines and recommended loan approvals and denials. 5) Reduced risk through proper mitigation and collecting necessary collateral for a healthy loan portfolio within fixed TAT. 6) Resolved customer complaints and addressed emergency requests and needs. 7) Maintained and developed relationships with branches through phone contact. Show less

  • DHFL
    • India
    • Financial Services
    • 700 & Above Employee
    • Intern
      • Jun 2017 - Jan 2018

      1) Understood sales pitching in maintaining friendly and professional customer interactions. 2) Learned the property related knowledge by understanding both legal & technical aspects on approving the home loan. 3) Analysed & Appraised cases within credit policies, Knowledge over DM preparations and maintaining Post disbursement dockets. 1) Understood sales pitching in maintaining friendly and professional customer interactions. 2) Learned the property related knowledge by understanding both legal & technical aspects on approving the home loan. 3) Analysed & Appraised cases within credit policies, Knowledge over DM preparations and maintaining Post disbursement dockets.

  • LAKSHMI SAI FINANCE
    • Hyderabad Area, India
    • Credit Processor
      • Jul 2014 - Aug 2016

      1) Performed business analysis for merchandisers and wholesalers and processed the application based on daily sales. 2) Calculated business turnover based on invoices and receipts, used to sanction loans without any financial documents. 3) Developed a dedicated network of small business clients that repeatedly did business with the company. 1) Performed business analysis for merchandisers and wholesalers and processed the application based on daily sales. 2) Calculated business turnover based on invoices and receipts, used to sanction loans without any financial documents. 3) Developed a dedicated network of small business clients that repeatedly did business with the company.

  • AIESEC
    • Sri Lanka
    • Internship
      • Dec 2012 - Jan 2013

      1) As part of OGX team of AIESEC – Vizag, participated in SPARK – International Internship conducted by AIESEC – Colombo South. 2) The project was taken from the Ministry of Youth Affairs & Skills Development as a third party, to develop a curriculum for Grade 12 & 13 students. 3) Conducted interactive sessions with school students and analysed the level of understanding with the team & within the team. 4) Had group meetings, discussions and based on suggestions of IT expertise and school board officials, altered the curriculum using GANTT Charts. Show less

Education

  • ITM Group of Institutions
    Post Graduation Program in Financial Services, Banking and Financial Support Services
    2016 - 2017
  • Gandhi Institute of Technology & Management (GITAM) University, Visakhapatnam
    Bachelor's Degree, Mechanical Engineering
    2010 - 2014

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