Anjali Rai

Managed credit portfolios up to 10 Crore in Commercial Vehicle and Infra segments, achieving over 85% monthly productivity.

Evaluated creditworthiness for large and mid-corporate working capital accounts, including CC/OD, LC, BG, and non-fund-based limits.

Monitored portfolio performance, identified stress indicators, and coordinated with collections teams to mitigate delinquency.

Assessed operating cycle efficiency, utilization trends, and fund flow mismatches to align with cash generation needs.

Exercised credit judgment on complex cases requiring policy deviations and exception approvals with risk mitigants.

Conducted thorough assessments of customer profiles and business risks through credit checks per bank policies.

Led collaboration with internal teams and external partners to streamline loan processing efficiency.

Performed regular market analysis through visits to customers and vendors to enhance credit management practices.

Generated new leads and opportunities through networking, cold-calling, and other sales & marketing techniques.

Collaborated with marketing and sales teams to develop and execute promotional campaigns that increased brand awareness by 35%