Summary
Overview
Work History
Education
Skills
Accomplishments
Languages Known
Personal Information
Hobbies and Interests
Disclaimer
Timeline
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Ajith R

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
02.2023 - 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
10.2021 - 02.2023

Credit Officer

HDFC Limited
09.2019 - 10.2021
  • Identified and managed locations in Erode, Tiruppur, Coimbatore, and Kerala.

CPA

Dewan Housing Finance Corporation Ltd. (DHFL)
Coimbatore
03.2018 - 09.2019
  • Managed operations in Coimbatore and Udumelpet

Education

MSC - CS

SRI Krishna Arts and Science College
01-2017

BCA -

KG College of Arts and Science
01-2015

HSC -

Csi boys higher secondary school
01-2012

SSLC -

Bishop oubagaram High.School
01-2010

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
02.2023 - Current

Assistant Manager

Equitas Small Finance Bank
10.2021 - 02.2023

Credit Officer

HDFC Limited
09.2019 - 10.2021

CPA

Dewan Housing Finance Corporation Ltd. (DHFL)
03.2018 - 09.2019

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
Ajith R