Sedhu Raman

Experienced credit relationship manager with a focus on retail lending and customer relationship management. Proven ability to source quality business and assess credit risk effectively, ensuring portfolio integrity. Proficient in CAM preparation, CIBIL analysis, KYC/AML/CDD/EDD compliance, and overseeing comprehensive loan processing. Recognized for achieving business objectives and enhancing customer satisfaction.

Credit Relationship Manager - HDB Financial Services Ltd - Chennai

(2023-10)

• Managed end-to-end loan processing from sourcing to approval. Assessed customer eligibility through CIBIL, income, and bank statement analysis.
• Conducted field verification and ensured KYC, AML & compliance adherence.
• Prepared CAM and coordinated with credit teams for timely approvals
• Built strong customer relationships through field sourcing, referrals, and exceptional service, while mentoring new team members to improve productivity and process compliance.
• Successfully identified and prevented multiple fraudulent document cases through detailed verification and credit assessment, minimizing potential credit risk
• Recognized for strong credit assessment and customer relationship management.
• Ensured 100% policy-compliant documentation and credit assessment.

B.Com - CKandaswami Naidu College - Anna Nagar, Chennai (2023-05)

Higher Secondary Education - WPA Soundara Pandyan Higher Secondary School - Ayanavaram, Chennai (2020-04)