R Yuvaraj Email & Phone Number

Chennai, Tamil Nadu, India

- Application Review: Evaluate applications for cash advances from merchants, ensuring all necessary documentation is submitted. - Financial Analysis: Analyze the merchant's financial health by reviewing bank statements, sales data, and cash flow to assess repayment capacity. - Risk Assessment: Identify and evaluate risks associated with the merchant’s business model, industry, and historical performance. - Decision Making: Make informed decisions on cash advance approvals or declines based on the analysis and risk assessment. - Documentation Verification: Ensure that all KYC (Know Your Customer) and business documentation is complete and valid. - Collaboration: Work closely with sales teams, risk management, and other departments to facilitate the approval process and address any concerns. - Reporting: Prepare reports on underwriting activities, portfolio performance, and risk metrics for management review.

Chennai, Tamil Nadu, India

- Proposal Assessment: Review and evaluate loan applications from micro, small, and medium enterprises (MSMEs) for various financing options, including term loans and working capital. - Credit Analysis: Analyze the financial statements, business models, repayment capacity, and industry outlook of applicants to assess creditworthiness. - Risk Evaluation: Identify potential risks associated with lending to MSMEs and develop risk mitigation strategies. - Customer Interaction: Conduct discussions and site visits with applicants to gather additional information and verify details. - Documentation Verification: Ensure that all required documents, including KYC and business documents, are complete and accurate. - Recommendation Preparation: Prepare credit assessment notes and make recommendations for approval or decline based on thorough analysis. - Compliance: Ensure adherence to internal lending policies and regulatory requirements set by authorities like the RBI. - Coordination: Work closely with relationship managers, credit analysts, and other departments to facilitate the underwriting process and ensure timely decision-making. - Monitoring: Regularly monitor the performance of approved loans and provide timely alerts regarding any operational issues. - Reporting: Prepare reports on underwriting decisions, portfolio performance, and risk management for management review.

Tamil Nadu, India

- Application & Document Assessment: Ensure that all required documents are submitted, accurate, and compliant with bank policies and regulatory requirements. - Field Verifications: Initiate field officer to visits and verify the applicant's details, including employment, residence, and business operations, if applicable. - Credit Analysis: Analyze applicants' credit histories, financial statements, and repayment capacity to assess risk and creditworthiness. - Risk Assessment: Identify potential risks associated with lending decisions and make recommendations to mitigate these risks. - KYC Compliance: Ensure compliance with KYC (Know Your Customer) norms and other regulatory requirements. - Customer Interaction: Communicate with customers to clarify information and gather additional details when necessary. - Reporting: Prepare detailed reports on verification outcomes, highlighting any discrepancies or concerns. - Compliance Monitoring: Stay updated on banking regulations and internal policies to ensure adherence during the verification process. - Collection Follow-Up: Contacted customers who missed payments to discuss their accounts and scheduled appointments with collection agents to recover unpaid amounts. Initiated vehicle repossession for customers who were unresponsive and unwilling to pay. - Collaboration: Responsible for end-to-end credit decisions with ABC, providing administrative, business, and collection support for the business location. I am skilled in coaching and monitoring branch teams to enhance business productivity.

Chennai Area, India

Responsible for maintaining the MIS report based on daily inquiries in the showroom, overseeing the back-office team, and completing an internship at Direct Honda.

Master Of Business Administration - Mba, General (Combine Of All Core Subjects), 60%

Loyola College - Twinning Program

Bachelor Of Business Administration - Bba, Business Administration And Management, General, 60%

St Joseph College of Arts and Science