Stephen Raj

Multi-talented Credit Manager with over 4.8 years of experience in HI and LAP products, proficient in applying credit policies to meet standards. Familiar with regulatory requirements and best practices. Eager to take on new professional challenge in credit risk management.

Field Executive Officer at Axis Bank (2020-03 – 2021-03)

Recovery and collection operations with JLG sales and collection

• Axis Bank 2020 March month year End Recovery Topper branch 60 NPA collection
• One year JLG Sales and Collection 2020-2021 (Sathyamangalam)

Customer Relationship Officer at Velicham Finance Pvt Ltd (2021-10-05 – 2024-09-30)

Customer relationship management, credit operations, and loan collections

• Velicham Finance Pvt Ltd 2022 March Month year end top performer of business -35 lacs
• OD collection 90+ 10 Closed for Loan
• Promoted to Credit Officer 05-08-2022
• Unsecure Business loan sales and Collection 1.5 year experience (Annur & Sathyamangalam)
• Credit officer 2 year Experience All branch TN Velicham Finance Pvt Ltd August 2022-September 2024 Creditworthiness and potential risk management. Physical PD, Credit underwriting, cases recommendation, customer intention, capability and document verification. CAM making, Legal-Technical report analysis, review. Sales-Operation coordination

Credit Manager at Avanti Finance Pvt Ltd (2024-10-24 – 2025-08-30)

Credit management for MSME and SME segments with risk assessment and underwriting

• Credit Manager October 2024 August (MSME, SME) 10 month (gobichettipalayam, Mettur, valapadi)
• Risk management. Physical PD, Credit underwriting, cases recommendation, customer intention, capability and document verification. CAM making, Legal-Technical report analysis, review. Sales-Operation coordination

Branch Risk Manager at RBl Finserve Ltd (2025-09-10 – Present)

Branch risk management for Home Loans and LAP products

• Branch Risk Manager September 2025 Month Experience in HL&LAP (Pollachi)
• Risk management. Physical PD, Credit underwriting, cases recommendation, customer intention, capability and document verification. CAM making, Legal-Technical report analysis, review. Sales-Operation coordination

B.Com in BPS (Bachelor of Commerce Business Process and Systems) – Rathnam College Of Arts And Sciences (2016 – 2019)

M.Com in CA (Corporate Accounting) – Bharathi Dasan College Of Arts And Sciences (2019 – 2021)