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 at HDB Financial Services Ltd (2023-10 – Present)

• 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.

B.Com – CKandaswami Naidu College (2023-05)

Higher Secondary Education – WPA Soundara Pandyan Higher Secondary School (2020-04)