Rajesh Choudhary
Regional Credit Manager | Home Loan | Mortgage (LAP) Loan | NBFC Funding | Wholesale Lending & Co-Lending
- Role
- Regional Credit Manager at Credifin
- Location
- Jaipur, RJ, IN
- LinkedIn followers
- 500 followers
About Rajesh Choudhary
I am a seasoned Credit Risk Professional with 15+ years of experience across Wholesale…
Experience
Regional Credit Manager
May 2025 — Present · Jaipur, IN
Roles & Responsibilities1. Credit Assessment & Underwriting: Evaluated and approved SME wholesale credit proposals as the first-level officer, providing clear recommendations on feasibility, risk, business model, industry trends, and financial health of borrowers.2. Product & Client Suitability: Ensured proposed facilities aligned with client requirements and business objectives.3. Compliance & Documentation: Prepared accurate and comprehensive Credit Appraisal Memorandums (CAMs) with strong diligence, ensuring adherence to internal credit policies and regulatory guidelines.4. Financial & Risk Analysis: Conducted detailed analysis of financial statements, ratios, profitability, leverage, growth projections, portfolio quality (PAR), and sustainability to support sound credit decisions.5. Due Diligence & Monitoring: Performed end-to-end due diligence, cash flow and solvency analysis, portfolio review, and stress testing to identify early warning signals and mitigate risks.6. TAT & Service Excellence: Maintained defined credit turnaround times (TATs) to enhance service delivery for internal stakeholders and clients.7. Collateral & Compliance Tracking: Monitored book debts, charge creation, and other borrower obligations to ensure compliance with sanction terms.8. Borrower Engagement: Conducted pre- and post-sanction visits for business reviews, understanding funding requirements, and strengthening borrower relationships.9. Portfolio Management: Monitored and reviewed regional portfolio performance (NCR, Rajasthan, MP, UP, Uttarakhand) and escalated watch-list cases for timely action.10. Stakeholder Collaboration: Coordinated with Business, Operations, Legal, Compliance, Audit, and IT teams to ensure seamless credit processing and risk management.11. Process Improvement & Policy Support: Recommended policy enhancements and drove process improvements to save time, cost, and enhance efficiency.
Education
University of Rajasthan
Bachelor of Business Administration (BBA)
2008 — 2011
Amity University
Master of Business Administration (MBA)
2011 — 2013
Skills
- Transition Management
- Business Process Re-Engineering
- Team Leadership
- Service
- Change Management
- Process Imp
- Analytics
- Business Process Improvement
- Underwriting
- Service D
- Business Development
- Crm
- Business Transformation
- Customer Service
- Service Delivery
- Operatio
- Business Analysis
- Core Banking
- Retail Banking
- Offshoring
- People Management
- Operations Management
- Analytical Skills
- Bpo
- Shared Services
- Microsoft Office
- Outsourcing
- Mis
- Accountability
- Process Im
- Project Management
- Six Sigma
- Leadership
- Banking
- Team Management
- Lean Six Sigma
- Vendor Management
- Training
- Strategic Leadership
- Banking Relationships
Find verified contacts for anyone on LinkedIn
Unifers gives sales teams verified emails and direct dials, enriched profiles, and outreach that lands in the inbox.
Free plan included · No credit card required
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.