Jitendraa Rathi

About Jitendraa Rathi

Chartered Accountant with 17+ years experience in lending industry, combining deep credit underwriting expertise with strong business acumen & relationship management skills.At Kotak Mahindra Bank, I led high-value credit underwriting across Home Loans, Mortgage Loans, Working capital and Trade finance- with utmost focus on balancing risk with growth. Awarded Most Prestigious Top Guns President\'s Club & Retail Assets- Top Guns Twice in my second stint of 2.5 yearsNow at Karur Vysya Bank as Regional Sales Manager–LAP, I bring a sharp focus on structured deal-making, channel partnerships, and portfolio quality. I understand both sides of the coin—Credit and Sales—Have exposure in Home Loans, LAP, Working Capital & Trade Finance. Have good exposure in both underwriting as well as client relationship management as I have handled some of biggest HNI relationships & high value deals end to end- From Deal Origination & Negotiation, Structuring, Credit Underwriting, Documentation, Disbursement, Post Disbursment servicing of clients with utmost dedication and satisfaction. Though now I am in a different organisation, I still carry the core values of Kotak Bank in my DNA - 1. Down to earth and approachable 2. Entreprenurial Approach 3.Mutual Trust and Transparency 4.Integrity & Governance Mindset 5.Passion to achieve I believe as a banker I am blessed with a rare opportunity to fulfill dreams & aspirations of many Indians & SMEnenterprises- To use my unique blend of diverse skills to deliver smart, client-focused lending solutions to those who really deserve credit- without compromising on business growth, asset quality and profitability for my organisation.My Mentor is Mortgage Veteran Sudhakar Vijayasarathy- Ex ICICI (CEO Factory) & whatever little I know its because of his motivation, encouragement & belief on me. He always taught me to think everything from different lens and to be unique & observe what is not visible on papers and see every proposal holistically from legal,technical and credit perspective and assess risk with 360degree view & give importance to what\'s not said but can be felt.This gave me a very unique edge in underwriting some of the highest value proposals (40cr+) with utmost clarity and confidence. In my 11 years association with him I feel he laid a very strong foundation for me with the right value system, ethics and a mindset with which I can become best version of myself.

Experience

1. Regional Business Manager - Lap

   Karur Vysya Bank(KVB)

   May 2025 — Present · Chennai, IN