Banker with nine years in private sector banking, moving from branch relationship roles into MSME credit underwriting. Appraises working capital and term loan proposals, structures facilities under CGTMSE and sets covenants that keep delinquencies low.
The books balance every dayFirm on the number, kind to the personEvery rupee traced to a receiptNo discrepancy survives the nightClean audit, twelve years runningDues down, dignity intactThe books balance every dayFirm on the number, kind to the personEvery rupee traced to a receiptNo discrepancy survives the nightClean audit, twelve years runningDues down, dignity intact
01 Opening balance
Every rupee accounted for.
Banker with nine years in private sector banking, moving from branch relationship roles into MSME credit underwriting. Appraises working capital and term loan proposals, structures facilities under CGTMSE and sets covenants that keep delinquencies low. Holds CAIIB and a strong record of portfolio quality across manufacturing, trading and services borrowers in Telangana.
— Sneha Reddy
FY 2026
Hyderabad, Telangana● RECONCILED
02 Trial balance
What I handle
Every part of the fee & accounts function — collection, reconciliation, reporting and compliance — ranked by the years I've owned it.
#CompetencyDepthLevel
1
Credit appraisal
1
Working capital assessment
1
Financial statement analysis
1
CGTMSE
1
Cash-flow lending
1
Risk rating models
1
Portfolio monitoring
1
Team coaching
03 How the books stay clean
Collection, reconciled daily
Fee collection is where finance meets feelings. Behind every overdue amount is a parent under pressure, and behind every clean audit is a year of quiet, unglamorous discipline — reconciling daily, chasing gently, and never letting a discrepancy sit overnight. My rule is simple: the books balance every single day before I go home, and no parent is ever spoken to like a defaulter. Firm on the number, kind to the person.
Record — every payment logged and receipted the moment it arrives, across cash, cheque, UPI and bank.
Reconcile — bank, cash and ledger tallied daily. A discrepancy never survives the night.
Follow up — polite, scheduled reminders and flexible plans, not harassment. Dignity intact.
Report — real-time dues, ageing and collection dashboards for management, weekly.
Close — month-end and year-end tied out, audit-ready, every rupee traceable to a receipt.
04 The ledger so far
Twelve years on the books
Senior Credit Manager, MSME
Large private sector bank, regional credit hub
Underwrite MSME proposals from ₹50 lakh to ₹25 crore, approving about ₹380 crore in sanctions each year across 140 borrowers. Kept gross NPA on the underwritten book below 1.2 percent, against a regional average close to three percent.
3 years
Relationship Manager, Business Banking
Large private sector bank, commercial branch
Managed a portfolio of 85 SME clients with ₹160 crore in loans and ₹95 crore in current account balances. Grew fee income from trade finance and forex products by 40 percent through letters of credit and export packing credit.
2 years
Deputy Manager, Branch Banking
Mid-sized private sector bank
Handled branch operations, cash management and KYC audits, closing all concurrent audit observations within the review month. Sourced 40 small business current accounts from the local market yard, lifting branch float by ₹6 crore.
05 Qualified
Study
MBA (Banking and Finance)
Private business school
B.Com (Computers)
State university affiliated college
06 Certified
Credentials
📊
CAIIB, Indian Institute of Banking and…
📊
IIBF Certified Credit Professional
📊
IIBF Certificate in MSME Finance
07 Clean audits
The record
🏆
99.4% collection rate — highest in groupAcross 3 campuses, 6,000 students
2024
🏆
Twelve consecutive clean auditsNo qualified opinion, no adverse remark
2013–
🏆
Cut year-end outstanding by 68%Through digital collection & ageing follow-up
Swap these for real workplace photos in the admin panel.
🧾
Fee counter, term start
🧾
Reconciliation, day close
🧾
MIS dashboard review
🧾
Audit season
🧾
Parent statements batch
🧾
Year-end close
09 Ledger notes
From the desk
JUN 2026
Firm on the number, kind to the person
How to bring collection rates above 99% without ever making a parent feel like a defaulter.
Read note →MAR 2026
The books balance before I go home
Why daily reconciliation — not month-end heroics — is the real secret to a clean audit.
Read note →NOV 2025
From cash shoeboxes to clean ledgers
A practical playbook for digitising school fee collection with UPI, auto-receipts and ageing reports.
Read note →
10 The stakeholders
What they say
"
Sneha took our fee collection from a yearly nightmare to a non-event. Dues down, audit clean, and parents actually thank us for the clarity. Rare combination.
DirectorRajagiri Group
"
She chased my pending fees so gently I didn't even feel chased — just reminded, with a payment plan that worked for us. That's a professional.
Mr. ThomasParent
"
In six audits I never once found her books out of balance. Every rupee traced to a receipt. I wish every client had a Sneha.
Statutory AuditorExternal audit firm
11 For schools & institutions
Balance the books
🧾 AVAILABLE FROM Q2 2027 · FEE-COLLECTION & OUTSTANDING AUDITS ON REQUEST
Current roleSenior Credit Manager, MSME, Large private sector bank, regional credit hub
Open toFinance Accountant · Fee / Receivables Manager · Accounts Head · Audit & Compliance
