Rajendra Kumar Thotakura
Credit Leader | 30 Years in Banking & Lending | Portfolio & Risk Management Expert | Fuelling Sustainable Retail Lending Growth | MBA, CAIIB, CBT, MA-Psy, SET-Psy, Dip.CLFS
- Role
- Zonal Credit Manager at Capri Global Capital Ltd.
- Location
- Visakhapatnam, AP, IN
- LinkedIn followers
- 500 followers
About Rajendra Kumar Thotakura
Driving credit excellence and portfolio growth with precision, passion, and proven leadership.With over 29 years of experience in credit risk management, portfolio quality control, and financial analysis, I have led diverse credit teams and managed multi-branch operations across the banking and mortgage sectors. I specialize in underwriting unsecured loans, micro-mortgages, home loans, and commercial vehicle loans, while implementing strategic credit policies that improve asset quality and minimize risks.Currently, as Credit Head at Capital Trust Ltd, I oversee underwriting, risk assessment, and portfolio monitoring for unsecured and micro-mortgage loans. I lead a team of 12 credit appraisers and 120 field officers, driving efficiency improvements and reducing loan approval turnaround time.Previously, as Sr. Regional Credit Manager at Veritas Finance, I directed secured micro-mortgage credit functions across 96 branches, leading a team of 112 credit managers. My experience spans reputed institutions such as HDB Financial Services, Kotak Mahindra Bank, Dhanlaxmi Bank, HDFC Bank, HSBC, ICICI Bank, and Citicorp Finance.I hold an MBA in HR Management, a Master’s in Psychology, and certifications from the Indian Institute of Banking & Finance. Combining technical skills with leadership and relationship management, I am passionate about mentoring and driving innovation to deliver strong portfolio performance and support a profitable and sustainable business.
Experience
Zonal Credit Manager
Dec 2025 — Present · Rajahmundry, IN
Evaluating borrower creditworthiness, approving loans within limits, monitoring portfolio quality, and ensuring policy compliance. Leading credit teams, minimizing NPAs, and collaborating with sales and support functions for balanced growth and healthy portfolio.
Education
Andhra University
State Eligibility Test, Psychology
2019 — 2019
Hindustan Shipyard Jr college
Intermediate, Mathematics
1990 — 1992
Indian Institute of Banking & Finance
CAIIB, Banking and Financial Support Services
2014 — 2014
National Academy of Legal Studies & Research (NALSAR) University Hyderabad
Advanced Dip in Criminal Law & Forensic Science, Forensic Science and Technology
St Joseph's School, Visakhapatnam
Class 10 - ICSE, Optional - Economics
1980 — 1990
Gayatri Vidya Parishad
Master of Business Administration - MBA, Human Resources Management/Personnel Administration, General
1995 — 1997
Andhra University
Master of Arts - MA, Psychology
2015 — 2017
Hindustan Shipyard Degree College
Bachelor of Science - BS, Mathematics
1992 — 1995
National Institute of Bank Management (PGDM)
Certified Bank Trainer, Training
2015 — 2015
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