ABISHEKRAJA RAVICHANDRAN

● Conducting thorough initial evaluations of client files and engaging directly with customers at their workplaces to understand business operations ● Assessing customer creditworthiness by verifying salary details, inventory, bills, registers, and overall financial eligibility ● Developing detailed cash flow statements from financial data to determine loan qualification accurately ● Underwriting loan applications by analysing declared income, salary profiles, and risk factors ● Coordinating effectively with vendors—including legal, technical, and field credit units—to ensure timely delivery of reports and invoice settlements ● Resolving discrepancies and queries raised by the Central Operations team during the loan disbursement process ● Maintaining and updating Management Information Systems (MIS) covering credit bureau (CIBIL) data, loan files, collection status, and disbursement records ● Collaborating cross-functionally with Sales, Operations, Product, and Collections teams to optimize workflow and service delivery ● Ensuring compliance by supporting internal and external audit processes and promptly addressing any identified issues ● Training and mentoring sales teams on policy updates, procedural changes, and compliance requirements ● Driving error-free loan processing and implementing effective cost control measures ● Monitoring portfolio performance, identifying emerging risks early, and initiating corrective actions to mitigate potential losses

● Evaluated SME credit proposals and conducted risk assessments to ensure quality loan disbursals ● Managed loan documentation and sanctioning processes, adhering to regulatory guidelines ● Monitored SME loan portfolio performance and implemented corrective actions to reduce non-performing assets ● Coordinated with teams to enhance credit operations and streamline workflow efficiency

● Processed home loan applications, ensuring timely verification and documentation compliance ● Conducted credit appraisals and recommended loan sanctions based on borrower profiles ● Monitored disbursed loans and followed up on overdue accounts to minimize defaults ● Liaised with customers to resolve credit-related queries and improve the service experience

● Analyzed financial data and prepared reports to support credit risk and compliance functions ● Assisted in loan processing and documentation reviews to ensure adherence to policies ● Collaborated with cross-functional teams to improve operational workflows and data accuracy ● Supported credit risk mitigation activities by validating borrower information and transaction details

● Handled cash transactions accurately and maintained daily cash reconciliation ● Addressed customer inquiries related to deposits, withdrawals, and account balances ● Ensured compliance with banking procedures and regulatory cash handling norms ● Assisted in branch-level audit and internal control processes

● Processed routine banking transactions, including deposits, withdrawals, and fund transfers ● Managed customer relationships by resolving queries and providing banking solutions ● Conducted KYC verification and ensured adherence to regulatory guidelines ● Supported branch operations and contributed to achieving sales targets