C. Krishna Reddy has over 13 years of experience in wholesale and retail banking, including credit underwriting, business banking operations, and collections. He is currently the Business Head at Signa Financial Consultancy, where he manages a team of 20 responsible for property sales, facilitating loans, and arranging project loans for builders. Previously he held several manager and credit manager roles at HDFC Bank and GE Money where he was responsible for credit appraisals, portfolio management, and ensuring compliance with credit policies and procedures. He aims to utilize his skills and experience to contribute to an organization that provides opportunities for learning and growth.

1. C. KRISHNA REDDY.
Mobile: 8861081003,9902229890
Email:krishi_2020@rediffmail.com
To work in an environment which provides me an opportunity to learn and grow
while utilizing my knowledge, skill and experience in performing my duties.
Brief Overview
▫ A highly competent professional having 13 years of experience in wholesale banking &
Retail Banking with companies viz. GE Money and HDFC bank Ltd in Credit under writing,
Business Banking Operations and collections departments.
▫ A result oriented leader with proven skills in managing credit administration activities
and processing of loan files. Demonstrated skills in team supervision and relationship
management as well as exceptional communication abilities to cut across the
organizational levels and accomplish targets.
Present Experience:-
At present working as a Business Head in Signa Financial Consultancy from June-
15 to till date
As a Business Head my responsibilities
Handling team of 20 members managing property sales and facilitating loans to
retail and corporate clients from various banks.
Arranging project loans to builders
Previous Experience:-
Roles Handled in HDFC Bank Ltd from Oct-2007 to June-2015
Manager- Operations: Business Banking Operations.
Collection Manager: Mortgage Loans
Credit Manager -Mortgage Loans/Home loans.
As a Operations manager in Business Banking Operations my responsibilities are
• Handling team of 10 members and taking care of smooth disbursements process
• Responsible for verification and disbursement of KGC loans for entire Karnataka,
Mortgage loans, Commercial equipment loans , Commercial vehicle loans,
Working Capital loans which comprises of Fund based and Non Fund based
products and health care Equipment finance.
• Taking care of documentation part of High value customers along with sales
team.
• Verifying valuation, legal reports and property documents which taken for
collateral security.
• Custodian for property documents held at branch level.
• Calculating Drawing power for setting up of limits based on stock statements
provided by customer on monthly basis.
• To act as one point of contact for Mortgage, Working capital & Healthcare
Equipment clients for their complaints and queries
• Customer and Credit Monitoring (Such as deferral management, customer
servicing, exposure rationalization). Managing expectations and escalations.
• Handling Foreclosure requests, obtaining approvals for closure and hand over of
property documents to the property owners.

2. • Monitoring the deferrals & Stock statements in System Software called Laser soft
and tracking the same till the documents are vaulted/ sent to central operations
team.
• Record keeping of all file Logins, dispatches, vaulted properties & property
releases.
• Co-Coordinating with business team in filing Form8 for company cases and
executing LAD documents for all working capital customers within time.
• Conducting the training programs to the RM’s and the sales executives to reduce
the documentation errors and thereby reducing the disbursement TAT
• To Monitor and supervise the day to day deliverables such as inbound client
queries & complaint resolution within TAT.
• Manage the entire process of closure of loans, release of collateral and issuance of NOC.
Develop, implement and enforce proper check and balances and MIS
• Perform de-dupe checks and margin money proof chechig with quote and CAM
• Regular monitoring of accounts for excesses, debits and coordinating with central
operations for knock off with proper justifications.
• Interacting with various departments like Sales, Credit, monitoring, trade
finance, remedial management on a routing basis.
• Effective management and resolution of customer complaints.
• Ensure compliance with policies and procedures, Audit and Central bank
Requirements.
As a Credit Manager
• Appraising credit proposals, ensuring compliance with organizational credit policies.
• Performing the functions of assessing creditworthiness of clients and taking adequate
steps to ensure receipt of payments and recovery of bad debts.
• Conducting personal discussion with HNI clients for financial analysis of business of self-
employed category before approving/rejecting any proposal.
• Conducting credit policies training to DSAs and CPAs
• Analysis portfolio performance monthly and updating to senior management.
Team Management
• Leading & monitoring the performance of team members to ensure efficiency in operations
and meeting of individual & group targets.
• Imparting training to agencies & in-house team to implement audit norms and policies as
per Industry guidelines and ensuring strict adherence to various norms.
• Motivating team members to achieve targets set on parameters like delinquency, business
volumes, and post disbursal documents pending for collection.
Accomplishments
• Maintaining Nil process errors from the beginning
• Identified fraud case and stopped disbursal of Rs.800000/- case.
• Given process improvements suggestions on NDC issue format and got appreciation
from policy team
• Got Silver award for the 2012 for nil process errors
• Given training on scan images dox's basis approval and disbursal process in PAN India
got appreciation from Business head and process head
• Disbursed high ticket case for Inventory working capital segment in PAN India
As collection Manager, involved in:
▫ Handling Mortgage loans portfolio.

3. ▫ Preparation & filing of plaint applications of NPA accounts with Debts Recovery Tribunals.
▫ Attending and Follow up of proceedings in DRT
▫ Follow up for recoveries of Stress & NPA accounts
▫ Preparation of OTS/Compromise Settlement Proposals
▫ Inspection of borrower units
▫ Follow up & monitoring of Insurance
▫ Preparation and sending notices under SARFAESI Act.
▫ Follow up of Procedures of taking Possession of Properties under SARFAESI Act.
▫ Filing and follow up of 138 proceedings under Negotiable Instruments act.
▫ Publishing delinquent portfolio MIS daily.
Apr’ Dec-06 to Sep- 07 with GE Money
Roles Handled.
Credit Manager
Key Responsibilities as Credit Manager
• Managed a team consist of 15 CPA executives and 6 service vendors to provide loans to
customer as per product program of GE Money.
• Handled responsibility of credit underwriting of personal loan.
• Conducted in depth financial analysis of clients, analyzed and extrapolated trends in net
profit, and future business prospects through scrutiny of financial statements / personal
discussion with clients.
• Conducted Personal, Tele discussions & Business development visits to customer place.
• Highlight ‘Verification Agency issues’ & constantly giving feedback regarding wrong and
mismatching information given by agency.
March-06 to Nov-06 IDBI Home Finance Ltd – Home Loans Credit
• Appraised proposals & scrutinized documents/reports before sanctioning and disbursing
of home loans, ensuring compliance with organizational credit policies.
• Analyzed financial documents including Profit & Loss Account and Balance sheet of
corporate and non-corporate entities.
• Responsible for Maintaining MIS to track TAT, sales error, Operational errors etc so as to
provide feedback and required training to the team about the product and identify the
problem area.
• Accomplishments
• Handled the processing & coordination of Home Loan Files.
• I have successfully achieved Nil NPA & 6 MOB delinquent, below benchmark from last 24
Months.
• Liaised with Valuers, Lawyers and Bank Sales & Credit Officers.
• Loan Proposals: Managing the Loan Sanction process.
• Coordination Liaison: Actively coordinate with borrowers to assess their credit
requirement, obtain necessary papers for loan proposals.
• Banking Operations: Extensive exposure to front line banking operations including
personal Loans & credit cards
Sep’2003- March 2006 Pamac Finserve Pvt Ltd Credit Associate (GE Money
Home Loans)
 Appraising proposals & scrutinizing KYC/income documents/verification reports before
sanctioning Mortgage loans, ensuring compliance with organizational credit policies.
 This is done primarily to ensure that business sourcing takes place in accordance to the
credit norms laid down by the bank.

4.  Apart from the above I have to ensure that loan proposal files are decision within the set
turnaround times laid down by the bank.
 Identify fraudulent Applications with tampered documents.
 Highlight ‘Verification Agency issues’ & constantly giving feedback regarding wrong and
mismatching information given by agency.
 Managing external vendors like the legal agency, site engineers, field investigation agency
and fraud control agencies for timely execution of outsourced tasks in order to ensure that
the turns around standards are met.
Academia
2003 MBA in Finance & Marketing from Sri Krishnadevaraya University
IT Skills
System based Application Software
Customized Banking Software
Internet
Personal Details
Date of Birth: 10th
May 1978
Permanent Address: #382, Ground Floor, 4th
Cross Road, Vyalikaval HBCS Lay out,
Veerannapalya, Bangalore-560045, India.
Phone: +91 8861081003
Declaration
I do hereby declare that the above mentioned facts are true to the best of my knowledge and
belief.
Place:
Date:
(C Krishna Reddy)