G_Raghavendra Rao
@g_raghavendrarao
I manage retail asset operations, credit risk assessment, and consumer loan portfolios.
IndiaWhat I'm looking for
I'm a retail asset operations and credit professional with experience at HDFC Bank, MetLife India Insurance, and SBI Life Insurance.
At HDFC Bank, I manage consumer loan credit appraisal for auto loans and two-wheelers, preparing Credit Appraisal Memos for premium cars and high-value customers.
I assess credit risk through financial-statement analysis, including CTR, leverage, DSCR, debt-to-equity ratio, and current ratio. I also review KYC, CIBIL reports, income-tax returns, GST filings, probe reports, MCA records, and score reports.
I've handled portfolio, vendor, clearing, cash management, customer service, and branch-level asset operations across gold, consumer durable, commercial, and SME loans.
Experience
Work history, roles, and key accomplishments
Manager - Retail Asset Operations
HDFC Bank Ltd
Oct 2010 - Present (15 years 11 months)
Managed retail asset operations, including credit appraisal, risk assessment, and portfolio management for auto loans and premium cars.
Credit Manager - Consumer Loan
HDFC Bank Ltd
Oct 2010 - Present (15 years 11 months)
Working as a Credit Manager for consumer loans, including auto loans and two-wheelers. Responsible for credit appraisal, risk assessment, and portfolio management.
Handled customer service and operations at the branch level, including clearing and cash management operations, and generation of leads and new business.
Associate Executive (Operations)
SBI Life Insurance Co Ltd
Dec 2006 - Apr 2008 (1 year 4 months)
Worked in operations, handling customer service desk, clearing and cash management operations, and servicing cash management clients within prescribed TAT.
Education
Degrees, certifications, and relevant coursework
Kottam Institute of Advance Studies
Master of Business Administration, Finance and Marketing
2004 - 2006
Grade: 59.5%
Pursued an MBA with a specialization in Finance and Marketing, achieving an aggregate of 59.5%.
Government Degree College, Kurnool
Bachelor of Science, Computer Science
1999 - 2002
Grade: 60%
Completed a Bachelor of Science in Computer Science with an aggregate of 60%.
Government Junior College, Kurnool
Intermediate, General Studies
1997 - 1999
Grade: 73%
Completed Intermediate (10+2) with an aggregate of 73%.
Municipal High School, Kurnool
SSC, General Studies
1997 -
Grade: 66%
Completed SSC (10th) with an aggregate of 66%.
Availability
Location
IndiaAuthorized to work in
Job categories
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