Cricket – Professional Cricketer; teamwork, discipline, leadership, and performance under pressure
Seduraman S
Credit Relationship Manager | Retail Lending | Credit Underwriting | Business Development | Customer Relationship Management
Chennai
Summary
Experienced credit relationship manager with a focus on retail lending and customer relationship management. Proven ability to source quality business and assess credit risk effectively, ensuring portfolio integrity. Proficient in CAM preparation, CIBIL analysis, KYC/AML/CDD/EDD compliance, and overseeing comprehensive loan processing. Recognized for achieving business objectives and enhancing customer satisfaction.
Overview
2
2
Languages
1
1
Certification
3
3
years of professional experience
Work History
Credit Relationship Manager
HDB Financial Services Ltd
10.2023 - Current
- Managed the complete loan journey from customer sourcing to credit approval.
- Sourced quality business through field visits, customer referrals, and relationship building.
- Conducted direct customer visits to verify information, understand financial requirements, and strengthen customer relationships.
- Evaluated customer eligibility through income verification, CIBIL analysis, bank statement review, and repayment capacity assessment.
- Prepared and reviewed Credit Appraisal Memorandums (CAM) for credit recommendations.Performed KYC, AML, CDD, and EDD checks in line with company and regulatory policies.
- Coordinated with credit and operations teams to ensure timely approval and smooth processing of loan applications.
- Maintained accurate documentation and ensured compliance with internal credit policies.
- Trained and mentored new team members on loan processing, documentation standards, compliance requirements, and customer handling.
- Monitored and supported new joiners to improve productivity, process accuracy, and adherence to company guidelines.
- Delivered excellent customer service by resolving queries and providing timely updates throughout the loan process.
Education
Bachelor of Commerce - undefined
CKandaswami Naidu College
Chennai01-2023
Higher Secondary Education -
WPA Soundara Pandyan Higher Secondary School
Ayanavaram 01-2020
Skills
Business Development
CAM Preparation
CIBIL Analysis
Credit Risk Assessment
Transaction Monitor
Customer Relationship Management
KYC/AML/EDD/CDD
Microsoft Excel (VLOOKUP, Pivot Tables)
Documentation & Audit Compliance
Credit reports
Certification
Certificate in Logistics & Supply Chain Management – Tech Mahindra Foundation (2023)
Interests
Gym & Fitness Enthusiast
Timeline
Credit Relationship Manager
HDB Financial Services Ltd
10.2023 - Current
Certificate in Logistics & Supply Chain Management – Tech Mahindra Foundation (2023)
10-2022
Bachelor of Commerce - undefined
CKandaswami Naidu College
Higher Secondary Education -
WPA Soundara Pandyan Higher Secondary School