NAGASRI SUNKARA

+91 8790 812 979 (Tirupati, India) | nagasrisunkara@gmail.com

https://www.linkedin.com/in/nagasri-sunkara-89395b119/ | nagasri.sunkara (Skype)

SUMMARY
 Branch Credit Manager with 4+ years of experience in financial services, and a background in
credit lending/assessment, due diligence, documentation, and reporting
 Proficiency in assessing the credit-worthiness of companies/individuals, plus credit risk/portfolio
management and credit control procedures
 Demonstrates strong commercial awareness, judgment, strategic thinking, providing accurate,
transparent, and timely financial information and insights to senior management
 Well-developed MIS reporting abilities essential to prepare various credit monitoring/appraisal
reports enabling effective decision-making for senior management
 Strong analytical, problem-solving, planning, and organisational skills with excellent ability to
manage multiple priorities and deliver results under pressure

SKILL SET
Credit Analysis | Credit Risk Assessment | Credit Monitoring & Implementation | Due Diligence of
Secured/Unsecured Loans | Customer Relationship Management | MIS Reporting | Microsoft Office |
Finacle | Tally ERP 9

EDUCATION
2017 Master of Business Administration (Banking & Finance) | K L University, India
2015 Bachelor of Commerce (Tax Procedure & Practice) | Parvathaneni Brahmayya Siddhartha
College of Arts & Science (Krishna University), India

CERTIFICATIONS
NSE Academy Certification in Financial Markets (NCFM): Financial Markets, Securities Markets,
Commercial Banking in India, Mutual Funds, and Banking Sector Module

National Institute of Securities Markets (NISM): Mutual Fund Distributors Certification

Great Learning Certification in Financial Risk Analytics

Great Learning Certification in Application of Machine Learning In Finance

WORK EXPERIENCE
 Branch Credit Manager, ADITYA BIRLA FINANCE LIMITED, Tirupati, Andhra Pradesh, India,
February 2022 – Present
 Branch Credit Manager, VISTAAR FINANCIAL SERVICES PRIVATE LIMITED, Tirupati, India,
March 2021 – December 2021
 Branch Credit Manager, HDB FINANCIAL SERVICES, Vijayawada, India, Dec 2016 – Oct 2019
KEY DELIVERABLES
 Validate minimum credit parameters and perform Know Your Customer (KYC) checks of income
and bank documents as part of the pre-approval process for secured/unsecured products such
as housing loans, business loans, and others
 Appraise the credit-worthiness of customers through CIBIL scores, personal discussions, and
scrutinise average bank balance, income tax returns, and repayment history
 Draft credit appraisal memo to seek further details about average bank balance, income tax
returns, etc., and evaluate the eligibility for sanctioning credit
 Prepare and present various credit reports to the senior management