Havin Rangaraj

Experience

• 

  AMAZON DEVELOPMENT CENTRE (INDIA) PRIVATE LIMITED

  May 2017 - Aug 2018

  Customer Service Associate
• 

  Roots Industries India Limited

  May 2019 - Jul 2019

  Project Intern

  Data analyst intern worked with the IT team and helped in the sales prediction process. Thus with the help of sales prediction the production team will be able to work efficiently in case of sudden sales surge and the marketing team will bring in more leads in case of dip.

• 

  HDB Financial Services Ltd.

  Apr 2021 - Oct 2022

  - Managed End to End Credit Processing (Retail Credit - Self Employed personal loans, Salaried personal loans, Business Loans and Mortgage Loans).- Analysis of Financials, Banking, Check Credit Bureaus (CIBIL / High Mark / Trans Union / CRIF) of the borrower, calculate the credit eligibility and repayment capacity by following the internal and external policy guidelines.- Monitoring Credit Portfolio by maintaining efficient TAT and Quality of Credit Appraisal.- Potential negotiation of Loan Amount, Terms and Rate with Borrowers and Approval Committee.- Ensure Timely repayment of sanctioned loans and regular follow ups with the borrower.- Supported Collection Team by correlating the bounce customer data. Show less

  • Credit Relationship Manager

    Mar 2022 - Oct 2022

  • Management Trainee

    Apr 2021 - Mar 2022
• 

  Tricolour Financial Services Pvt Ltd

  May 2023 - now

  Assistant manager - Credit

  - End to End credit lending (Commercial loans - Business Loans, Mortgage Loans / LAP and Machinery Loans).- Done impeccable credit underwriting for various customer base in different locations - Coimbatore, Chennai and Bangalore.- Handled corporate clients and Retail Clients as well. Prepared detailed Credit appraisal Note for high net worth Client base.- Expertise in Financial Analysis, Statutory Analysis, Banking analysis etc. to evaluate the credit worthiness of the Client.- Detailed knowledge in Commercial Loan Products. Show less