VENKATESWARAN SELVARAJAN

Chennai

Summary

Seasoned Trade Credit and Credit Risk professional with over 10 years of experience in Trade Credit Insurance, commercial underwriting, and receivables finance. As Chief Manager – Trade Credit, led portfolio growth in Tamil Nadu and Kerala, enhancing contributions significantly. Expertise in credit judgment, financial analysis, and stakeholder management drives the development of sustainable corporate relationships.

Overview

Languages

years of post-secondary education

years of professional experience

Work History

Chief Manager – Trade Credit | Commercial Underwriter

TATA AIG GENERAL INSURANCE COMPANY LTD.

Chennai

08.2020 - Current

Played a key role in scaling the Trade Credit portfolio of Tamil Nadu and Kerala from approximately INR 50 Mn in FY21 GPW to INR 350 Mn in first 6 months of FY27
Managed a diversified Trade Credit portfolio across South India, with significant corporate relationships across Chennai, Bengaluru and Hyderabad.
Cultivated relationships with large corporates and established business groups including TVS, Redington, Ramco, Britannia, ITC, CYIENT, NATCO and companies within the Murugappa Group to enhance portfolio strength.
Manage the commercial underwriting lifecycle: understand the client and buyer ecosystem, assess credit risk, recommend exposure and work with senior stakeholders to structure appropriate terms.
Analyze financial statements, leverage, liquidity, profitability, ageing, payment behaviour, industry conditions and qualitative risk factors to assess buyer and seller credit risk.
Prepare and present buyer credit-limit and enhancement recommendations with supporting rationale for senior credit stakeholders and Credit Committee decision-making.
Work closely with brokers, agents, banks, financial institutions, sales, risk and operations teams to originate and execute business.
Built a diversified portfolio across sectors and distribution channels, helping reduce concentration risk across individual industries and intermediaries.
Utilized prior factoring and receivables-finance experience to enhance underwriting processes, strengthen client conversations and guide product development.
Led general insurance operations across underwriting, claims, and policy servicing.
Coordinated with brokers, agents, and branch teams on business requirements.

Assistant Manager – Relationship

INDIA FACTORING & FINANCE SOLUTIONS PVT. LTD.

03.2016 - 08.2020

Led acquisition, credit assessment, and relationship management for corporate clients across South India, enhancing client satisfaction and retention.
Grew branch portfolio from approximately INR 200 Mn FIU in 2016 to a peak of INR 5000 Mn FIU during tenure.
Coordinated factoring and finance operations for client account servicing and documentation.
Self-sourced and sanctioned INR 1000 Mn of export factoring limits.
Managed the complete lifecycle of sourcing, financial assessment, and credit proposal development.
Onboarded A-rated and conglomerate clients across automotive, engineering, pharmaceuticals, textiles and finished leather sectors.
Built direct relationships with major manufacturers and exporters across South India through face-to-face business development.
Influenced credit policy formulation and portfolio management practices, optimizing risk management and operational efficiency.
A subsidiary of FIMBank, Malta – KIPCO Group

Education

Master of Business Administration (MBA) -

University of Madras

Chennai

06.2014 - 03.2016

Bachelor of Science - Information Technology

PSG College of Arts & Science

Coimbatore

06.2011 - 07.2014