Ramaiah M
Tiruchirapalli
Summary
Senior Credit professional with proven experience in managing credit risk and supporting lending growth. Seeking to expand into business banking roles where credit insight drives strategic decision making.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Area Credit Manager
Ujjivan Small Finance Bank
Trichy and Chennai
09.2024 - Current
- Developed MSME portfolio for USFB in new market segment.
- Managed operations in Chennai and Trichy with two credit managers.
- Achieved book size of Rs.50 crores in Trichy and Chennai within one year.
- Collaborated effectively with business team to provide timely sanctions and conversions.
Regional Credit Manager
Axis Bank
Chennai
08.2023 - 08.2024
- Managed ticket sizes from Rs.10 Lakhs to Rs.25 Crores for effective financial oversight.
- Oversaw operations across Pondy and Chennai regions to enhance service delivery.
- Led a team of 7 credit managers to consistently achieve departmental objectives.
- Approved cases up to Rs.5 Crores based on established delegations.
Area Credit Manager
Axis Bank
04.2021 - 07.2023
- Oversaw operations of 2 credit managers across Tanjore, Kumbakonam, Karur, and Mayiladuthurai.
- Collaborated with business team to increase book growth from Rs.50 crs to Rs.300 crs.
- Authorized loan cases up to Rs.3 crs to enhance processing efficiency.
- Expedited loan sanction processes through close collaboration with credit managers and business teams.
Credit Manager
Axis Bank
08.2017 - 03.2021
- Managed credit assessments for loan applications and customer accounts to ensure accuracy.
- Analyzed financial data to evaluate client creditworthiness effectively.
- Collaborated with sales teams to streamline customer onboarding procedures.
- Supervised credit analysts, offering guidance on complex cases to enhance performance.
- Reviewed delinquent account reports to develop targeted collection strategies.
Manager
Karur Vysya Bank
02.2017 - 08.2017
- Managed complete credit operations for Chennai T Nagar branch.
- Oversaw pre-disbursement and post-disbursement processes to ensure compliance.
- Administered asset book size of 500 crores, optimizing financial performance.
Credit Manager
City Union Bank Ltd
04.2013 - 02.2017
- Process loan applications, Finalize interest rates for loans, Approve/Reject Loan proposals, Monitor Status of Loans & Process repayments & other Administration works.
Education
MBA/PGDM - Finance
THIAGARAJAR SCHOOL OF MANAGEMENT
Madurai03-2013
B.Com - Commerce
The American College
Madurai03-2011
12th - Tamil Nadu, English
Madurai
Madurai03-2008
10th - Tamil Nadu, English
Madurai
Madurai03-2006
Skills
- Credit appraisal
- Portfolio management
- Risk assessment
- Customer relationship management
- Team leadership
- Problem solving
Certification
• ACS Professional Program
• BEC certified by the British Council
• JAIIB and CAIIB
• BEC certified by the British Council
• JAIIB and CAIIB
Projects
I had undergone an internship project at Madras Cements Limited, Chennai (for 2 months) in the area of working capital management and have done comparative, common, and trend analysis statements to analyze the company’s performance
Languages
- Tamil
- English
Personal Information
Total Experience: 13 Years 0 Month
Accomplishments
Selected in the Business contest (FY 2020, FY 2023, and FY 2025), and went on business trips to Dubai, Qatar, Sri Lanka, and Germany.
Timeline
Area Credit Manager
Ujjivan Small Finance Bank
09.2024 - Current
Regional Credit Manager
Axis Bank
08.2023 - 08.2024
Area Credit Manager
Axis Bank
04.2021 - 07.2023
Credit Manager
Axis Bank
08.2017 - 03.2021
Manager
Karur Vysya Bank
02.2017 - 08.2017
Credit Manager
City Union Bank Ltd
04.2013 - 02.2017
MBA/PGDM - Finance
THIAGARAJAR SCHOOL OF MANAGEMENT
B.Com - Commerce
The American College
12th - Tamil Nadu, English
Madurai
10th - Tamil Nadu, English
Madurai