Ravichandran Subramanian
Regional Credit Manager @Clix Capital
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WORK HISTORY
Regional Credit Manager @Clix Capital
Chennai, IN
Oversaw customer due diligence and financial analysis for mortgage loan underwriting, managing a team of 10, loan portfolio of €1 Mn. • Supported the monthly business volume AOP achievement. • Ensured financial stability and profitability by conducting Loan Portfolio risk analysis. • Conduct regular credit reviews and assessments of customers to determine creditworthiness and manage credit limits. • Presented approvals and recommendations on the loan application to the credit committee. • Mentor team members on best practices in credit and compliance with relevant regulations. • Ensure the collection of EMI return cases to improve the portfolio quality. • Collaborate with other departments to address customer disputes and maintain strong relationships.
EDUCATION
Maastricht School of Management
Master of Business Administration - MBA
Bishop Heber College, Tiruchirappalli
Bachelor of Science (B.Sc.), Physics
Jamal Mohamed College, Tiruchirappalli - 620 020.
Master of Science (M.Sc.), Physics
ABOUT RAVICHANDRAN SUBRAMANIAN
An experienced analytical, detail-oriented, and management finance professional with 21+ years of experience in Credit and Operational Processes with leading Banks and Non-Banking Financial Companies.
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