Abishekraja Ravichandran

Deputy Manager Ii(Micro Mortgage- Credit) @Ujjivan Small Finance Bank

Gopichettipalaiyam, IN

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

KPR Institute of Engineering and Technology

B.E. – Mechanical Engineering | Anna University, India | 2013

TimesPro Digital Marketing

PGDBM – Banking | Timespro Academy, India | 2016