SRIDHAR REDDY.

ALLA
Address: Door.No:11­35,Pappula Mill Center,Ashok Nagar,Kanuru,Vijayawada,Krishna District, AP
E­mail: sridharreddy.alla@gmail.com ~ Mobile: +91­8919189817

Objective:

To obtain a challenging position within Financial related institution that enables me to use my management, Sales, Financial
Analysis & Customer Service skills to help grow the company.

CAREER SNAPSHOT:

An astute professional with Over 24+ years of experience in the area of sales,operation and Credit. Credit Currently associated
with RBL Bank , Working as a Branch Credit Manager for Mortgage Loans and Unsecured Business Loans,LAP With hands on
experience in credit appraisal of Home Loans, Mortgage Loans, Business Loans, Insurance, secured Plant & machinery
Loans,Liquid Security Loans,Micro Enterprises Loans,Group Loan and Management,staff Supervision and Customer Service at
Vijayawada Branch. Motivated by internal standards of excellence to overachieve exceptions and exceed all set goals. Possess
strong communication, leadership, analytical, relationship management and problem solving skills.

EXPERIENCE :

Totally 6 years Working as a Branch Credit Manager in RBL Finserve Ltd (Business Correspondence to RBL Bank) in
Andhra Pradesh vijayawada cluster from 4th July 2016 to 4th Jan 2022 and move to RBL BANK from 5th Jan2022 to
Till date...appraising Secured Loans Up to 50 Lacs, Unsecured Loans Rs: 1 Lac to 5 Lacs, we can recommend the case up
to 50 Lacs. LAP
1 Year of Experience in handling the General insurance, Two wheeler s,private Cars,PCCV ,GCCV , MIS­D,Stand alone
TP vehicle Insurance.
3 Years of Experience in handling the Gold Loans, housing loans, insurance, gold coins sales, personal loans, business
loans, western money transfers, two & four wheeler loans
13 years of progressive micro finance experience and held managerial positions in major Micro Financial Institutions
and effectively supervised large teams
Experienced leader skills to manage an organization's day­to­day operations including the lending process, reporting,
staffing, products, and procedures.
Strong experience in recruiting and setting up the new branches and expanding existing branches/units.
Strong management skills, leadership skills, analytical and strategic thinking skills.
Rewads & Awards:
Achieving the certificate of business “outstanding Perfomance in Collection War Room” by RBL Finserve limited(RBL
Bank)
Achieving the business Target with Fastest Area “Exlent Growth Award” by FED Bank .
Achieving the business Contest “Pancha Ratna Award ”2 times Pan india by Muthoot .
Achieving the target and Recoveries Rewards for No of times “Cash Prize” by Share Microfin Ltd.
Functional Experience:

BRANCH CREDIT MANAGER (Vjayawada­Region)­ RBL BANK 5th Jan’2022 to­Till Now)

BRANCH CREDIT MANAGER (Vjayawada­Region)­RBL FINSERVE LTD(BC­ RBL BANK)(4July’2016­4th Jan 2022)
REGIONAL MANAGER(Vijayawada­Region)­ SKI Retail capital Limited ( Sep’2015­ Dec2015)
Area Manager(Visakhapatnam Region,AP)FEDBANK Financial Services Ltd(Sep’2011 ­ Apr’2013)
Area Manager (Vijayawada Region, AP), Muthoot Fin Corp Ltd (Dec’2010 ­ Sep’2011)
Divisional Manager, Kerala, SHARE MICROFIN LIMITED (May’2009 ­ Nov’2010)
Area Manager, AP,Orissa,Chennai,Karnataka SHARE MICROFIN LIMITED(May’2002 ­ Apr’2009)
Branch Manager, AP SHARE MICROFIN LIMITED (Mar’1998 ­ Aprl’2002)
Field Credit Officer, AP, SHARE MICROFIN LIMITED (May’1997 ­ Feb’1998)

Page 1 of 5
 Educational Qualification:
MBA with concentration in Finance, Alagappa University, Karaikkudi, TN
Bachelor of Science with concentration in Mathematics and Science, Ambedkar Open University

PGDCA with Post Graduate Diploma In Computer Applications with “A” grade­Hasira Infosystems

Computer Proficiency:

Tools: MS Office 2007 (MS Word, MS Excel, Power Point).

Internet: Email, Searching & surfing Internet, File transferring over the internet.
Operating Systems: Windows XP/98/2000.
Accounting/HR Systems: MF Expert accounting system, LMS–Loan Management System, HR system

Core Leadership Qualifications

Credit Management
Branch Management
Account Development & Retention
Operations Management
Loan/Account Origination
Sales Management
New Business Development
Team Building/Leadership
Staff Training and Development

WORK EXPERIENCE :
BRANCH CREDIT MANAGER ­Vijayawada in RBL finserve Ltd for all Credit Loans (04July’2016 to 4th Jan 2022
and move to RBK BANK 5th Jan2022 to Till now)
Handled the entire regional business Loans– Unsecured loans, Secured Loans, LAP,Mortgage Loans,Liquid
Loans,Equipment and Machinery Loans for all type of business loans.
Provided Credit & Operational support to facilitate the ongoing branch needs for recruitment, growth and Loan
origination.
Assisted the Management in Credit Tools Training & Operations.
Responsible for achieving credit business Target for TAT(Turn Around Time)
Average TAT for login to Proposal sent/Approval (if BCM has the approval authority) TAT to be maintained.
Responsible for all PD’s (Personal Discussion)and CT’s (Credit Tools)sent for approval as per with in TAT.
Maintained with portfolio quality 0%(PAR­1)Delinquency.
Revenue generation of the region for all segments of products and to ensure Customer satisfaction at all levels.
Conduct motivational meets to customers, and implement different Credit Tools Training to Staff.
Responsible for Credit Appraisal to approval/rejections of all profiles.
Maintained timely reply to Credit queries of various higher Officials from theregion

REGIONALMANAGER (Vijayawada)­SKI Retail Capital Limited(from:Sep’2015 to Dec­2015)

Handled the entire AP regional General Insurance ,Investments & Mutual Funds business.
Two wheelers,private Cars,PCCV ,GCCV , MIS­D,Stand alone TP vehicle Insurance.
Responsible for achieving business targets, revenue generation of the region for all segments of products and to ensure
Customer satisfaction at all levels.
Conduct motivational meets to BDM’s & Channel Partners, and implement different plans to boost up sales.
Responsible for Insurance approval/rejections of all profiles & maintain timely reply to queries of various departments
of Insurance companies from the region

AREAMANAGER(VisakhapatnamRegion,AP)FEDBANKFinancialServ(Sep’2011–Apr’2013)

Page 2 of 5
Handled the entire region Gold Loan business and housing loans, insurance, gold coins sales, personal loans, business loans, western
money transfers, two & four wheeler loans
Provided Sales, Admin & Operational support to facilitate the ongoing branch needs for recruitment, growth and Loan
origination
Assisted the Management in Sales, Admin & Operations.
Handled the portfolio of 38.46 crs Gold Loan comprising of 13 branches
Handled a 66 member team of which 13 are branch managers, 5 branch in­charges and 48 in­direct reporters.
Established ten new branches in the region and responsible for the overall direction, coordination, and evaluation of
branch activities.
Responsible for appointment of new man power in the region and review their performance basis time to time.
Responsible for achieving business targets, revenue generation of the region for all segments of products and to ensure
Customer satisfaction at all levels.
Conduct motivational meets, and implement different incentive plans to boost up sales.
Responsible for Credit Appraisal to approval/rejections of all profiles & maintain timely reply to queries of various
departments of HO from the region

AREA MANAGER (Vijayawada Region­ AP)Muthoot Fin Corp Ltd(Dec’2010 – Sep’2011)

Handled Gold Loan, insurance and two wheeler loan business of the entire region
Assisted senior Management in Sales & Operations.
Handled the portfolio of 53 crs Gold Loan comprising of 20 branches.
Managed branch admin activities, day to day operations, fund requirements, implemented circulars
Handling a 90 member team of which 20 are branch managers.
Achieved business targets, successfully increased revenue of the region for all segments of products and managed
Customer satisfaction at all levels.
Conducted motivational meets, and implemented different incentive plans to boost up sales.
Designed new schemes on Gold Loans to boost up sales as per customer & market needs
Recruited new man power in the region, trained, mentored staff and reviewed their performance time to time basis.
Responsible for Credit Appraisal to approval/rejections of all profiles & maintain timely reply to queries of various
departments of HO from the region
Established proper controls for safety & security of company’s assets & security of data bank.

DIVISIONALMANAGER­KeralaState­SHAREMICROFINLIMITED(May’2009–Nov’2010
Served as the Divisional Manager, responsible for managing four areas with 24 branches and supervised the 4 Area
Managers & 24 Branch Managers, over 200 indirect reporting staff in the day to day accounting process.
Reviewed financial reports and analysis.
Managed resource needs, conducted the campus interviews. Identified potential areas and Formed new branches in
the state.
Communicated with managers and coordinated the financial reporting of 24 branches to consolidate financial data for
reporting and analysis.
Responsible for locate problems faced by managers and helping them with solutions
Recommended upper management authorities about the performance of subordinates.
Conduct coaching and training for senior management and lending staff.

AREA MANAGER ­ AP SHARE MICROFIN LIMITED (May’2002– Apr’2009)

Supervised up to 6 Branch Managers, over 50 indirect reporting staff in the day to day accounting process.
Managed the branches Growth, Quality and Process.
Responsible for overseeing the Recovery & Verification of loans disbursed
Reviewed monthly executive presentation that highlighted the key loan servicing data.
Identified problems faced by staff and helped them with solutions
Reviewed & presented the Branch Funding requirements and managed the branch targets
Generated detailed financial and operational projections
Provided training on target achievement, growth and planning.
Training & Manpower Manager, SHARE MICROFIN LIMITED
Provided training to new employees.
Developed training curriculum and manual.
Provided Group Training on the procedures, methodology, calculation of interest rates and business development skills
Provided training on various loan types such as Group loans, individual loans, Business Loans, Personal Loans, Security

Page 3 of 5
 loans, housing loans, education loans and seasonal loans, business development and staff training.
Provided training on Cash transactions, ledgers, cash book, vouchers, various financial statements (trail balance,
income & expenditure, P&L, Balance sheet, various break­ups)
Provided training on Field & Office (survey, MPM­ mini projection meeting, projection meeting, Group Formation,
CGT­ compulsory group training, Reports)
Delivered the presentation to develop and Motivate the internal staff

Internal Auditor, SHARE MICROFIN LIMITED

Conducted more than 10 on­site investigations
Performed Recovery & Data verification's and also performed Interest, excess payments, taxes, loans, PF, PT
verification's.
Verified branch documentation maintenance, branch registration, labor registration, Shop establishment registration.
Developed the tools for Internal Audit on monitoring of operational issues
Ensured compliance with audit standards and proper handling of funds.
Conducted impact study programs and submitted to various national banks.

Branch Manager ­AP SHARE MICROFIN LIMITED (Mar’1998– Aprl’2002)

Supervised up to 8 to 12 people and managed operations at Branch level
Reviewed branch targets & provided necessary support to staff members to achieve goals.
Prepared product line financial statements, month­end closing
Communicated recoveries, loan disbursements, target information to Area manager.
Visited various sites and review staff performance
Responsible for conducting Group Recognize Test – GRT to select the right clients, Cash planning and approvals of
loan amounts.
Approved Cash in & out flows as per the guidelines provided by head office.
Submitted time based (Weekly & Monthly) reports to area manager & head office
Identified problems faced by staff and helped them with solutions
Provided practical training to the new staff members.

Field Credit Officer­ AP SHARE MICROFIN LIMITE (May’1997 – Feb’1998)

Developed Management Reports (Accounts Receivable, Accounts Payable, headcount, liquidity)
Developed detailed spread sheets to consolidate and analyze the monthly data
Attended Center Meeting regularly. Documented disbursements & recoveries data on to system.

Education and Other Technical Qualifications Details:

Percentage Class/ Registration
Qualification Year School/Collage/University
of Marks Division Number

10th 55% 2nd 1989 198474 Board of secondary Education

PGDCA "A" Grade 1st 1992 Hasira Infosystems
I.T.I 84% 1st 1994 2690 Dept. of Employment & Training
12th 48% 2nd 1995 543413 Board of secondary Education
N.C.V.T 75% 1st 1996 54989 National Apprenticeship Certificate
B.Sc. 68% 1st 1998 9195/66104 Dr.B.R.Ambedkar Open University
MBA­Finance 57% 2nd 2009 53174957 Alagappa University

Curriculum Activities:

Participated in various business meets conducted by Osmania University, Nizam College, ITM business school
Warangal.
Participated in the business quiz conducted by Economic Times.

Page 4 of 5
Personal data:

Name : Alla Sridhar Reddy

Father Name : Alla Bolla Reddy
Permanent Address : D.No:11­35,Pappula Mill Center , Ashok Nagar
Kanuru, Vijayawada­520007, Krishna (dt), A.P
Date of Birth : 01.07.1973
Religion : Hindu
Marital Status : Married
Children : 1­son & 1daughter
Father :Retd MRO
Mother :HW
Brother : Bank employee In USA
Sister : Married

Salary details:
Present salary : 7.00Lacs/PA
Notice Period : 90days

Declaration: I hereby declare that the above­furnished information is correct and I am responsible for its accuracy.
Place: Vijayawada

Date: (SRIDHAR REDDY.ALLA)

Page 5 of 5