Rubesh J
Regional Credit Manager at Ujjivan Small Finance Bank
- Role
- Area Credit Manager at Ujjivan Small Finance Bank
- Location
- Coimbatore, TN, IN
- LinkedIn followers
- 500 followers
About Rubesh J
Regional Credit Manager with 14+ years of experience in credit risk management, loan…
Experience
Area Credit Manager
Nov 2018 — Present · Coimbatore, IN
Responsible for credit approvals, controls and credit processes for affordable housing loans and mortgages… • Files decisions as per the AHL product program with the defined TAT as per policy… • Portfolio quality management, to ensure lower delinquency ratio while maintaining business flexibility, compliance of policies… • Organized training sessions to credit officers, CCMs, Sales officers, every month regarding any changes in product and process… • Empanelment of vendors such as CPV, Legal & Technical in different locations… • Processing of vendor bills and ensuring vendor quality in terms of process and policy… • To interact closely with other functions such as Sales, Operations and Collections etc. in ensuring smooth day to day functioning at location… • Ensuring timely hiring of manpower.• Underwriting cases which falls under credit head as per Delegation.• Hindsight check of loans disbursed.• Appropriate Intervention to manage ground level risk effectively.• Ensuring adherence to RBI regulations on documentation and KYC compliance.• Worked with different platforms like Finone, LOS etc… • Providing Audit Compliance• Having 25lacs DOA• Handling 35 branches in TN & Kerala with the team size of 2 CCM’s & 12 CO’s…
Education
Periyar University, Salem
Master of Business Administration - MBA, Finance, General
Annamalai University
BCom - Bachelor of Commerce, Business/Commerce, General
2005 — 2009
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