Work History
Summary
Overview
Education
Skills
Languages
Timeline
Generic

Vijayraj K

Pattukkottai

Work History

CREDIT MANAGER - Affordable Housing Loan (AHL)

Equitas Small Finance Bank
Thanjavur
10.2025 - Current
  • Managing Affordable Housing Loan (AHL) proposals as per bank credit policy guidelines.
  • Evaluating customer income (documented & surrogate), bank statements, and repayment capacity.
  • Assessing property documents, legal checks, and technical feasibility.
  • Coordinating with sales, technical, legal, and operations teams for smooth processing.
  • Ensuring compliance with RBI and internal audit standards.
  • Monitoring portfolio performance and minimizing early delinquencies.

CREDIT MANAGER

IIFL Samasta Finance Limited
Thanjavur
01.2025 - 10.2025
  • Evaluated and underwrote LAP segment loans.
  • Analyzed financial statements and customer profiles.
  • Coordinated with sales, legal, and technical teams for processing.
  • Ensured compliance with internal credit policies.

CREDIT MANAGER

IDFC First Bharat Limited
09.2023 - 12.2024
  • Managed MSME, PL, and CV loans.
  • Maintained borrower database as per bank standards.
  • Assessed customer creditworthiness and financial risks.
  • Ensured portfolio quality and low NPA levels.

CREDIT MANAGER

Bajaj Finance Pvt. Ltd
06.2022 - 08.2023
  • Managed MSME and PL credit requests.
  • Conducted financial analysis and risk assessment.
  • Cross-functional coordination with sales and operations.

SENIOR SALES OFFICER

HDB Financial Services Ltd
05.2018 - 04.2022
  • Managed EMI loans for customers.
  • Educated customers on loan products and EMI structures.
  • Ensured monthly EMI closures and customer relationship management.

COMMISSIONING ENGINEER (MAINTENANCE)

M/s Cethar Limited
02.2015 - 01.2016
  • Inspection of equipment and pipelines.
  • Prepared CAD drawings and supervised welding alignment.
  • Responsible for safe and efficient plant maintenance.

Summary

Experienced Credit Manager with strong expertise in evaluating customer financials, property assessments, and loan feasibility across MSME, PL, CV, LAP, and Affordable Housing Loan (AHL) segments. Proven track record in maintaining portfolio quality, minimizing delinquencies, and ensuring regulatory compliance.

Overview

4
4
years of post-secondary education
11
11
years of professional experience

Education

B.E. - Mechanical Engineering

PERI Institute of Technology
Chennai
06.2010 - 05.2014

Skills

  • Credit Risk Assessment
  • MS Office Package
  • COA (Computer Office Automation)
  • Typing - Tamil & English (Both Higher)

Languages

Tamil
First Language
English
Proficient
C2

Timeline

CREDIT MANAGER - Affordable Housing Loan (AHL)

Equitas Small Finance Bank
10.2025 - Current

CREDIT MANAGER

IIFL Samasta Finance Limited
01.2025 - 10.2025

CREDIT MANAGER

IDFC First Bharat Limited
09.2023 - 12.2024

CREDIT MANAGER

Bajaj Finance Pvt. Ltd
06.2022 - 08.2023

SENIOR SALES OFFICER

HDB Financial Services Ltd
05.2018 - 04.2022

COMMISSIONING ENGINEER (MAINTENANCE)

M/s Cethar Limited
02.2015 - 01.2016

B.E. - Mechanical Engineering

PERI Institute of Technology
06.2010 - 05.2014

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Vijayraj K