Charan Raj M
Branch Credit Manager @ABC - Aditya Birla Housing Finance Limited
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WORK HISTORY
Branch Credit Manager @ABC - Aditya Birla Housing Finance Limited
Bengaluru, IN
I currently work as a Branch Credit Manager at Aditya Birla Housing Finance Ltd, where my core responsibility is to evaluate the creditworthiness of borrowers by applying the 5C’s of Credit—Character, Capacity, Capital, Collateral, and Conditions.My role involves conducting personal discussions (PDs) at customers’ residences and business premises to assess income, stability, and repayment capacity. I specialize in financial analysis and income assessment for both salaried and self-employed borrowers, including detailed evaluation of affordable housing customers through self-employed income analysis, based on multiple income sources and cash flows.I handle end-to-end credit appraisal, including:Income assessment for salaried and self-employed borrowers Eligibility calculation and risk assessment Mortgage document scrutiny, legal verification, and valuation report analysis Credit underwriting in line with policy and regulatory guidelines.The major products I work on include Affordable Home Loans, Plot Purchase Loans, Flat Purchase Loans, Loan Against Property (LAP), and other home finance–related products.In addition to credit underwriting, I am actively involved in portfolio management, monitoring asset quality, and recovery of stressed and bad debt accounts, ensuring portfolio health and risk control at the branch level.
EDUCATION
University of Agricultural Sciences, Bangalore
Bsc Agricultural Marketing Cooperation and Business Management, Agriculture, Agriculture Operations, and Related Sciences
University of Agricultural Sciences, Bangalore
MBA , Agri Business Management
ABOUT CHARAN RAJ M
I am a banking professional with 2 years of experience working as a Relationship Manager, primarily handling Agricultural and Working Capital finance portfolios. Over the course of my role, I have developed strong exposure to customer relationship management, loan sourcing, documentation, credit appraisal, pre-sanction checks, and post-disbursement monitoring. My day-to-day responsibilities have allowed me to closely work with MSME and Agri clients, understand their business cycles, assess working capital needs, and collaborate with credit and operations teams to ensure smooth and compliant processing.This experience has given me a solid foundation in areas that are central to credit decision-making — financial statement analysis, risk assessment, cash flow understanding, collateral evaluation, regulatory compliance, and policy adherence. I have built a keen interest in the credit function and have been consistently upgrading my knowledge in credit underwriting, risk frameworks, and bank credit policies to align myself with the expectations of a Credit Manager role.My long-term goal is to grow into a Credit Manager position in a bank, where I can apply my analytical skills, credit knowledge, and on-ground lending experience to contribute to sound credit decisions and portfolio quality. I am currently seeking opportunities in the banking sector that provide a platform to transition into credit and build a long-term career in this space.I am open to connecting with banking professionals, credit leaders, and recruiters for guidance, networking, and relevant job opportunities in credit/underwriting roles across banks.
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