Rajasekar Raja S
Credit Manager || Credit Underwriting | Risk & Compliance | Credit Analysis
- Role
- Credit Manager Lap Secured Bl at Criss Financial Limited
- Location
- Salem, TN, IN
- LinkedIn followers
- 500 followers
About Rajasekar Raja S
Credit professional with hands-on experience in branch-level underwriting of secured lending products, primarily Loan Against Property (LAP) and Home Loans.Involved in end-to-end credit appraisal, including income assessment, cash-flow analysis, bank statement scrutiny, FOIR/LTV evaluation, and collateral risk review.Regularly handle self-employed and salaried profiles, identify risk indicators, prepare credit notes, deviation justifications, and rejection rationales aligned with policy norms.Experienced in working closely with sales, legal, valuation, and operations teams to ensure credit quality, compliance, and timely disbursement.Actively interested in roles focused on credit underwriting, risk assessment, and portfolio quality, with long-term exposure to structured credit decisioning.
Experience
Credit Manager Lap Secured Bl
Aug 2025 — Present · Salem, IN
Managed branch-level underwriting for Loan Against Property (LAP) and Secured Business Loans, ensuring policy adherence and risk control.• Conducted credit appraisal using CIBIL, income assessment, FOIR, and LTV parameters.• Reviewed property documents, title clearance, and valuation reports to ensure legal and financial compliance.• Prepared structured credit notes based on customer financials, cash flows, and repayment capacity.• Ensured compliance with internal credit policies, contributing to portfolio quality and risk mitigation.
Education
St Paul's higher secondary school
10th and 12th Standard , Mathematics and Computer Science
Periyar University
Bachelor's degree, Computer Science
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