RAJU PUJARAM WADDEKAR
Badlapur
Summary
Results-driven Credit Manager with 8 years in credit underwriting, loan processing, and risk assessment across various lending products. Expertise includes financial analysis, documentation verification, and fraud detection. Focused on maintaining credit quality, minimizing risk, and enhancing operational efficiency for timely loan approvals and disbursements.
Overview
3
3
Languages
6
6
Certifications
13
13
years of professional experience
Work History
Branch Credit Manager – Home Loan & LAP
Tyger Home Finance Pvt. Ltd. (Formerly Adani Home Finance)
01.2025 - Current
- Managing end-to-end credit operations for Kalyan Branch.
- Verified KYC, income, and property documents to ensure compliance and accuracy.
- Conducting customer eligibility, repayment capacity and financial analysis.
- Performing pre-sanction and post-sanction credit appraisal.
- Authorizing loan sanction and disbursement in the system.
- Managed portfolio quality, controlling fraud and delinquencies to minimize risk exposure.
- Coordinating with legal and valuation agencies to maintain turnaround time.
- Prepared MIS reports on Login, WIP, Sanction, and Disbursement for informed decision-making.
- Supporting audit compliance and resolving audit observations.
- Coordinating with collections for overdue accounts.
Branch Credit Manager – Home Loan & LAP
Agrim Housing Finance Pvt. Ltd.
02.2023 - 01.2025
- Oversaw Kalyan Branch and took additional responsibility for Pune (Kharadi) Branch, ensuring operational efficiency.
- Performed credit underwriting and financial assessment to support informed lending decisions.
- Conducted credit underwriting and financial assessment.
- Directed sanction and disbursement processes, facilitating timely loan approvals.
- Controlled portfolio quality and fraud risk.
- Coordinated with legal and valuation vendors.
- Maintained MIS and branch credit reports.
- Held In-Principle Sanction Authority up to ₹10 Lakhs.
- Key Responsibilities
Branch Credit Manager
Sarvagram Fincare Pvt. Ltd.
05.2022 - 02.2023
- Managed complete credit underwriting process across multiple loan products.
- Conducted customer profile assessment and repayment analysis.
- Verified documentation and performed field investigations.
- Managed sanction and disbursement process.
- Coordinated audits and maintained excellent audit scores.
- Conducted farmer field visits and document verification.
- Managed MIS and portfolio quality.
- Received 3 Fraud Detection Awards within six months for identifying fraudulent loan applications during Personal Discussion (PD).
- Oversaw credit underwriting processes for various loan products.
- Performed customer profile assessments and repayment analyses to enhance lending decisions and mitigate default risk.
- Gold Loan
- Business Loan
- Personal Loan
- Farm Loan
- Directed management information systems and maintained portfolio quality, supporting informed decision-making and strategic planning.
- Managed various loan products including home, gold, and personal loans.
- Outlined essential tasks for managing loan applications and customer interactions.
- Documented significant accomplishments in fraud detection within loan applications.
Area Credit Manager
IIFL Samasta Finance Ltd.
10.2018 - 05.2022
- Oversaw credit operations for three branches in Maharashtra, ensuring compliance and efficiency.
- Conducted underwriting for ticket sizes up to ₹5 Lakhs.
- Performed field verification and Cash Flow Assessment.
- Conducted Contact Point Verification (CPV).
- Evaluated documentation and ensured branch compliance with regulatory standards.
- Monitored petty cash, cash book and operational registers.
- Participated in loan disbursement monitoring.
- Recruited and trained Branch Credit Managers to enhance team capabilities and operational effectiveness.
- Improved audit scores across mapped branches.
- Managed product offerings for customer needs.
- Facilitated unsecured business loan applications.
- Oversaw daily loan processing and approvals.
- Responsibilities
Assistant Professor
GNCA College of Agriculture & B.Tech
08.2013 - 10.2018
- Instructed undergraduate agriculture students in practical and theoretical aspects of the field, fostering critical thinking and applied skills.
- Conducted academic research and extension activities to advance agricultural knowledge and community engagement.
- Organizing farmer awareness and women's self-help group training programs.
- Coordinating educational field visits.
- Managed daily tasks effectively
Education
M.Sc. - Agriculture
Dr. Balasaheb Sawant Konkan Krishi Vidyapeeth (DBSKKV)
Dapoli01-2013
B.Sc. - Agriculture
Dr. Balasaheb Sawant Konkan Krishi Vidyapeeth (DBSKKV)
Dapoli01-2011
Higher Secondary Certificate (HSC) - undefined
01-2006
Secondary School Certificate (SSC) - undefined
01-2004
Skills
Home Loan & LAP Processing
Loan Sanction & Disbursement
Credit risk assessment
Credit assessment
Financial Statement Analysis
KYC verification
Fraud detection
Accomplishments
- 8+ years of professional experience in Retail Credit.
- Managed multiple branches simultaneously.
- Credit sanction authority up to ₹10 Lakhs.
- Three-time Fraud Detection Award recipient.
- Strong record in audit compliance and portfolio quality management.
Certification
Protection of Plant Varieties & Farmers' Rights Act Training
Interests
Cooking, Listening to Music, Watching TV
RESEARCH PUBLICATIONS
- Published three research papers in Advances in Life Sciences (2016):
- Constraints faced by Warli Tribal Farmers in Adoption of Rice Technologies.
- Socio-Economic Profile of Warli Tribal Farmers.
- Relationship Between Socio-Economic Profile and Adoption of Agricultural Technologies.
DECLARATION
I hereby declare that the information provided above is true and correct to the best of my knowledge and belief. Place: ____________________ Date: ____________________ (Waddek Raju Pujaram)
Timeline
Branch Credit Manager – Home Loan & LAP
Tyger Home Finance Pvt. Ltd. (Formerly Adani Home Finance)
01.2025 - Current
Branch Credit Manager – Home Loan & LAP
Agrim Housing Finance Pvt. Ltd.
02.2023 - 01.2025
Branch Credit Manager
Sarvagram Fincare Pvt. Ltd.
05.2022 - 02.2023
Area Credit Manager
IIFL Samasta Finance Ltd.
10.2018 - 05.2022
Assistant Professor
GNCA College of Agriculture & B.Tech
08.2013 - 10.2018
Secondary School Certificate (SSC) - undefined
Higher Secondary Certificate (HSC) - undefined
B.Sc. - Agriculture
Dr. Balasaheb Sawant Konkan Krishi Vidyapeeth (DBSKKV)
M.Sc. - Agriculture
Dr. Balasaheb Sawant Konkan Krishi Vidyapeeth (DBSKKV)