Raghavendran Rangarao Email & Phone Number

Greater Chennai Area

Handling a portfolio of 85 Crores with a mix of several products in both secured and unsecuredsegments. like Loan against Property, Business loans, Auto loan and Personal loansExercised approval authority of 7.5 Million in secured and 0.5 Million in unsecured loans withprudence.Regular trainings and ad hoc policy brush up to my credit team made to increase.

Chennai

 Credit underwriting done for both unsecured and secured loans like Business Loans, Loan againstProperty and Personal loans. Ready to take calculated risk with good mitigates that will prove the credit call taken is a worthwhile decision. Appraising the Loans by perusing the Credit parameters, Policy and Process with utmost care Strict adherence with.

• Credit Underwriting of Secured and Unsecured loansCredit underwriting
• To Decision cases sourced by Sales Team in adherence to policy/ process, to ensure Portfolio Quality and maintain appropriate service level (TAT); will be responsible for the Audit and Regulatory compliance for the.
• Work closely with functions such as Sales/ Operations/ Collections/ CPU/Policy/ Product etc to maintain a smooth flow of activities at the location.Obtaining information for credit risks to be assessed, including.

• Credit Underwriting of Unsecured loansResponsibilities:
• Underwriting of personal loan proposals.
• Conducting Personal discussion with the customer.
• Financial analysis as per credit policy of the company.
• Handling MIS and Collection Calls.
• Guidance to the customer on company’s policy.