Ajith R
Coimbatore
Summary
Results-driven Credit Professional with 8+ years of experience in retail and SME lending. Expertise in credit underwriting, policy implementation, portfolio management, and risk assessment across multiple locations. Proven ability to improve approval rates while maintaining asset quality and reducing delinquency.
Overview
8
8
years of professional experience
Work History
Area credit manager
Northern Arc Capital Limited
Coimbatore
2023.02 - Current
- Managed credit operations across multiple branches ensuring adherence to credit policy
- Evaluated and approved high-ticket and deviation cases with proper risk mitigation
- Monitored portfolio performance (30+, 60+, 90+ delinquency) and implemented control measures
- Conducted Personal Discussions (PD) and field assessments for critical cases
- Collaborated with Sales and Operations teams to improve approval rates and reduce TAT
- Ensured quality of login files and compliance with policy norms
- Provided policy training to branches and new joiners
- Handled audit queries, BCM/FCU coordination, and escalations
- Implemented process improvements to enhance efficiency and credit quality
- Delegation approval for L2 Level 15 Lakhs and PD authority up to 50 lakhs
- Maintained 100% collection efficiency in live portfolio
- Reduced early delinquency and bounce rate
- Improved approval ratio while maintaining risk standards
- Successfully implemented policy updates and deviation matrices
- Ensured quick turnaround time (TAT) for credit decisions
Assistant Manager
Equitas Small Finance Bank
Coimbatore
2021.10 - 2023.02
Credit Officer
HDFC Limited
2019.09 - 2021.10
- Identified and managed locations in Erode, Tiruppur, Coimbatore, and Kerala.
CPA
Dewan Housing Finance Corporation Ltd. (DHFL)
Coimbatore
2018.03 - 2019.09
- Managed operations in Coimbatore and Udumelpet
Education
MSC - CS
SRI Krishna Arts and Science College
2017-01
BCA -
KG College of Arts and Science
2015-01
HSC -
Csi boys higher secondary school
2012-01
SSLC -
Bishop oubagaram High.School
2010-01
Skills
- LOS (Loan Origination System)
- CRIF / CIBIL analysis
- MS Excel
- MIS reporting
- Credit Underwriting & Risk Assessment
- Policy & Process Implementation
- Portfolio and Delinquency Management (PAR, NPA control)
- Team Handling & Branch Oversight
- Financial Analysis (ITR, Bank Statements, Cash Flow)
- Secured and Unsecured Loan Evaluation
- TAT Management & Process Optimization
- Stakeholder Coordination (Sales, Ops, Legal, Technical)
- Vendor Management & Audit Compliance
Accomplishments
Actively Participated in the National level speech competition
Languages Known
Telugu
Personal Information
Blood Group: B+ve
Hobbies and Interests
- Playing cricket
- Watching tv
- Hearing songs
Disclaimer
I hereby declare that the above information is true to the best of my knowledge and belief.
Timeline
Area credit manager
Northern Arc Capital Limited
2023.02 - Current
Assistant Manager
Equitas Small Finance Bank
2021.10 - 2023.02
Credit Officer
HDFC Limited
2019.09 - 2021.10
CPA
Dewan Housing Finance Corporation Ltd. (DHFL)
2018.03 - 2019.09
MSC - CS
SRI Krishna Arts and Science College
BCA -
KG College of Arts and Science
HSC -
Csi boys higher secondary school
SSLC -
Bishop oubagaram High.School