Raja N

Results-driven Cluster/Branch Business Manager with 15+ years of experience in Commercial Vehicle Finance, specializing in Sales, Credit, Operations, Collections, Portfolio Management, and Team Leadership. Proven track record of achieving ₹1.5–₹2.5 Crore monthly business, maintaining NPA below 0.5%, Nil PDD, and ranking among Pan India Top 5 performers. Expertise in financing SCV, LCV, MCV, HCV, Construction Equipment, Farm Equipment, New & Used Commercial Vehicles, and Passenger Cars, with strong capabilities in sourcing, credit appraisal, dealer development, and portfolio management.

Branch Business Manager at Arkafincap Ltd (2025-06 – Present)

• Lead end-to-end branch operations for Commercial Vehicle Finance.
• Drive business growth through dealer development and customer acquisition.
• Manage Sales, Credit, Operations, Collections, and Portfolio Quality.
• Ensure compliance with company policies and regulatory guidelines.
• Build strong relationships with dealers, transport operators, and fleet owners.
• Built and maintained a 100% quality portfolio.
• Maintained Nil PDD through disciplined documentation and process adherence.
• Achieved excellent repayment performance through e-NACH activation and close portfolio monitoring.
• Strengthened the dealer network, resulting in sustainable business growth.
• Improved customer satisfaction through faster loan processing and quality service.

Branch Business Manager at Indostar Capital Finance Ltd (2020-01 – 2025-06)

• Managed complete branch operations, including Sales, Credit, Operations, and Collections.
• Led a team of Sales Executives, Credit Officers, Operations Staff, and Collection Executives.
• Developed new dealer relationships and expanded the business network.
• Ensured healthy portfolio quality through disciplined credit appraisal and collection practices.
• Prepared business plans, branch MIS reports, and performance reviews.
• Consistently achieved ₹1.5–₹2.5 Crore monthly business.
• Maintained NPA below 0.5%.
• Maintained Nil PDD for the branch.
• Managed a 12-member cross-functional team.
• Ranked among the Pan India Top 5 Performers (2024–2025).
• Received Goa and Jaipur performance incentive awards.
• Built a strong dealer and transporter network across the territory.
• Consistently exceeded business, collection, and portfolio quality targets.

Senior Field Officer at Indostar Capital Finance Ltd (2018-01 – 2020-12)

• Generated business through dealer and customer sourcing.
• Performed field investigations and customer relationship management.
• Supported credit appraisal and documentation.
• Achieved monthly business and collection targets.
• Earned promotion to Branch Business Manager based on consistent performance.

Marketing Officer at Sakthi Finance Ltd (2017-01 – 2018-12)

• Managed business sourcing for Used and New Commercial Vehicle Finance.
• Developed strong relationships with dealers, brokers, and customers.
• Conducted customer field investigations and credit assessments.
• Coordinated loan documentation and ensured timely disbursements.
• Achieved monthly business and collection targets while maintaining portfolio quality.
• Increased business through new dealer acquisition.
• Maintained healthy portfolio quality with timely collections.
• Improved customer satisfaction through prompt loan processing.

Recovery Officer at Cholamandalam Finance (2016-01 – 2017-12)

• Managed overdue and delinquent loan accounts.
• Handled legal recovery, repossession, and One-Time Settlement (OTS) cases.
• Negotiated with customers to improve recovery performance.
• Coordinated with legal teams and field executives for recovery actions.
• Ensured compliance with company recovery policies.
• Improved recovery efficiency across assigned accounts.
• Reduced overdue cases through effective follow-up.
• Maintained strong customer relationships while achieving recovery targets.

Senior Field Officer at Shriram Transport Finance Company Limited (2013-01 – 2016-12)

• Generated business for Used Commercial Vehicle Finance.
• Developed relationships with transport operators, fleet owners, and vehicle dealers.
• Conducted customer sourcing, field verification, and documentation.
• Supported collections and monitored portfolio quality.
• Ensured timely loan processing and customer service.
• Consistently achieved monthly business targets.
• Built a strong dealer and customer network.
• Maintained good portfolio quality through disciplined follow-up.
• Recognized for dedication and consistent performance.

D.Ted – Rangaboopathy Teacher Training Education (2008-01)

BA in English – Annamalai University (2010-01)

B.ED – Saravana College of Education (2011-01)