Rajendra Kumar
Head - Credit & Underwriting - Unsecured, Secured and Digital Lending
- Role
- Chief Credit Officer at Credit Saison India
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Rajendra Kumar
EXECUTIVE PROFILEDynamic, Mission-Oriented professional with 15 years experience in Credit Underwriting,Comprehensive experience of having handled Personal Loans, Business Loans, Loan Against Property (LAP) & Home Loans, Education Loans, Commercial Vehicle / Equipment and Asset Financing.Have successfully Implemented LOS (Loan Origination System) which is a Web based File Processing / Approval / Disbursal System, in North Region, for HDFC Bank.Demonstrated & worked with ease on System Softwares viz, Finware, Finnone & SAS.Demonstrated ability in administering the loan processing, such as Evaluation of financial risk, Risk control, Credit appraisals and Fraud control Proven track record in handling delinquent cases and recovering dues from the defaulters through legal means. Proficient in handling the entire gamut of business operations and accountable for increasing profitability and achieving business objectivesAdept in ensuring compliance of various statutory requirements as per guidelines and regulations laid down by the RBI. Exceptional communication and interpersonal skills, coupled with strong analytical and conflict resolution ability. An able team manager, seeking challenging managerial opportunities in Credit Underwriting with an organization of repute.
Experience
Chief Credit Officer
Nov 2025 — Present · Mumbai, IN
Responsible to lead the Credit Underwriting function, in retail lending business by focussing on advanced credit capabilities by strengthening governance, elevating market-aligned practices, and shaping credit policies that support sustainable and responsible growth.
Education
Chaudhary Charan Singh University, Meerut
Bachelor's Degree, Commerce
1996 — 1999
Aptech Computer Institute, Meerut
Diploma, Software Management
1997 — 1998
Harvard Business School
Leadership Talent Development Program, Business Administration and Management, General
PGDBM/MBA-Finance
PGDBM/MBA, Finance
Institute of Productivity and Management
Master of Business Administration (M.B.A.), Business Management (Finance)
2000 — 2002
Skills
- Wealth Management
- Training
- Finance
- Strategy
- Banking
- Risk Management
- Team Management
- Management
- Credit Risk
- Analysis
- Mis
- Financial Services
- Auditing
- Credit
- Branch Banking
- Management Information Systems (Mis)
- Relationship Management
- Financial Risk
- Core Banking
- Underwriting
- Portfolio Management
- Loans
- Retail Banking
- Credit Analysis
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