Credit Manager at Kotak Mahindra Bank.Aspiring for career enrichment with a suitable middle level position to lead Banking,Financial industry functions with a reputed organisation.

1. Resume of
MANTHA NAGARAJU
Designation: Deputy Manager
Role: Credit Manager
Date Of Birth: 01-May-1990
Nationality: Indian
Current Location: Mumbai
Total Experience: 02 Years 03 Months
Industry: Banking/Financial Services
Marital Status : Single
Mobile
9769939412
7506701017
Email
manthanagaraju@gmail.com
Current Address
Flat No:001 ,Azad Building,Gokuldham,Malad( E),
Mumbai -400097.

2. Profile Summary
 A dynamic PGDBRM Professional from the renowned institute- Manipal School of Banking ,Bangalore.
 Cross-Cultural experience with education & work experience across the banking industry.
 More than 2 years of experience in coordinating across Deputy Manager level for delivery of various
banking products
 Currently associated with Kotak Mahindra Bank , Mumbai as a Deputy Manager in Personal Asset
Division.
 Experience in analyzing business potential conceptualizing strategies for driving business
 An analytical thinker with excellent communication ,interpersonal ,planning people management skills.
 Felicitated by the Ex-ISRO Chairman Shri. Radhakrishnan for college topper and subject topper in
Mathematics, Statistics in B.Sc

3. Professional Work Experience
Currently working at Kotak Mahindra Bank as Credit Manager from 2014 -August
Working in the credit team has given me insights into the credit processes of all the products such as
Working Cpital,Home finance, Car finance, Personal loan ,etc.
Work Profile
 Underwriting of Personal Loans, PLCC and Credit Cards, Credit analysis & Appraisal, Banking operations,
MIS Reporting & Documentations, Credit Control and Infant delinquency tracking.
 Handling Centralize PAN India re-look processing project for negative calling& address
 untraceable cases & circulate the MIS for the business reference.
 Managing the cross-functional interactions and feedback with reference to Policy, Sales and Risk
department to reduce ambiguity.(For reopen & recommendation process)
 Handle overall escalation from Sales, Nodal officer & Customer service.
 Interacting for Sr Management referral & Regional Head recommendations program.

4. My profile Included
• Review and Appraisal of Credit Card applications and ensuring adherence to the
Bank's Policy guidelines and Procedures - evidenced through the Key Control
Standards laid down by bank keeping in mind the supporting documents provided.
• Managing duplicate approvals and card number de-dupe matches of applications
on daily basis.
• Managing Fraud and Credit Negative reports for all fraudulent applicants on a daily
basis.
• Liaison with Credit Policy, Collections and Fraud Control Units for feedback.
• Empanel Agency for Bank, Managing quality, Audit & compliance of the Agency.

5. Academic profile & Certifications
Year Degree Board/University % (or) CGPA
2014 PGDBRM Manipal Global University, Bangalore 8
2011
B.Sc (M.S.Cs) Osmania University, Hyderabad 84%
2008
Class XII (HSC) Board of Intermediate Education, A.P
75%
2006 Class X (SSC) State Board of Secondary Education, A.P 81%
 IIBF certification:
Certificate Exam in Credit Cards
 NISM certifications
Mutual Fund Distributors Certification Examination (Series-V-A)
Depository Operations Certification Examination (Series-VI)
 NSE’s certification in financial markets (NCFM)
Commercial Banking in India: A Beginner’s Module.
Banking Sector Module

6. Personal Competencies & Hobbies
 Good analytical and planning skills
 Deliver the right thing at the right time with right results.
 Excellent problem analysis
 Excellent judgment according to the situation
 Pencil sketching
 Reading(anything and everything which is readable)
Hobbies
Linguistic Proficiency
 Hindi
 English
 Telugu