Mar 2025 – Present · 1 yr 2 mos · Hyderabad, Telangana, India · On-site

• Managing end-to-end loan operations (term loans & supply chain finance) for Co- Lending & Business Correspondent programs, including compliance, KYC, disbursements, and repayments.
• Executing credit underwriting for structured small-ticket loans under co-lending using BRE frameworks.
• Leading tech integrations (UAT, BRE validation, data migration) and coordinate with partners and analysts.
• Overseeing the portfolio MIS reporting, regulatory submissions, and collections while providing data-driven insights.
• Handling the partner coordination for credit limits, data accuracy, and statutory reporting to regulatory bodies.

Oct 2023 – Mar 2025 · 1 yr 5 mos · Hyderabad, Telangana, India · On-site

• Oversaw the entire FPO lending program through Business Correspondent.
• Managing the entire process from the screening, assessment, and disbursement.
• Facilitated seamless collaboration among cross-functional teams to maintain a smooth workflow and adhere to stipulated turn-around times.
• Conducted thorough on-site inspections of FPOs and their business operations to assess eligibility and potential for financing.
• Addressed and resolved partner queries by analyzing loan applications, credit proposals, outstanding, and MIS reports, ensuring clarity and accuracy.
• Managed the reconciliation process for repayments, collections, and service payouts, ensuring accuracy and compliance with financial protocols.

Aug 2022 – Oct 2023 · 1 yr 2 mos

• Managing Co-lending and Business correspondence partnerships with a portfolio of INR 55Cr, acting as the single point of contact for seamless facilitation of business across credit, operations, risk management, technology, and product.
• Handling end-to-end lending process for 1650 loan accounts, including sanctions, disbursements, collections, and reconciliations, ensuring compliance with SOPs and timely delivery.
• Managing portfolio with physical due diligence, generating monthly MIS reports, and monitoring NPA to maintain portfolio hygiene and risk management.
• Prepared 2 SOPs for partners and coordinated with internal stakeholders for approval. Collaborated with cross-functional teams and co-lending partner banks to establish strategic partnerships for growth and profitability.
• Coordinating onboarding process, and post-disbursement covenants by ensuring compliance with the monitorable and stipulated process to drive partnership success.

Jan 2022 – Jul 2022 · 6 mos

• Currently has been relationship manager for the Asset-based Co-Lending partnerships through Alternate Channels focusing majorly on Agri, Agri- allied, MSME, and PSL.
• Involved in taking the end-to-end backend relationship works right from day-to-day query handling with partners and from disbursements to collections.
• Engaging in discussions with existing and upcoming partners, and cross-functional teams.
• Maintaining MIS, tracking the portfolio quality, and giving more thrust to the movement of accounts.
• Writing proposals for the new onboarding partners thorough understanding of end-to-end process flows and drafting SOPs.

Jul 2020 – Sep 2020 · 2 mos · Hyderabad, Telangana, India

• Prepared drafts for profiling FPO & FPO member's to track the services provided by the organization
• to analyse FPOs position and for compliance works.
• Value chain analysis and indexing different production stages of 6 different crops cultivated by 3 FPOs.
• Analysed market plan, SWOT and drafting basic assumptions for developing Business Plan for 2 FPO’s.
• Nominated for “Value Chain Analysis & Business Development plan of FPO’s 6days virtual training
• program conducted by NIRD-PR on good performance and involvement during the internship

May 2020 – Jul 2020 · 2 mos · Ongole, Andhra Pradesh, India

• Market research in Farm2Fork & Quality Traceability in India
• Backend research helper for developing the mobile application for quality traceability of perishables
• Provided technical information on Agriculture Supply Chain
• Developed Content for Blog related AgTech

Apr 2020 – Jul 2020 · 3 mos · Andhra Pradesh, India

• Market research in the Cold Chain sector in India with respective to agriculture
• Done 4P's for the new product launch.
• Created content for marketing and published 6 articles in the blog and different magazines for marketing and brand awareness.
• Contacting with perishable supply chain providers, E-commerce, and FPO's.
• Connecting with new clients.