Ramesh R

Ramesh R

Head - Credit

Ramesh has more than 22+ years of experience in various Risk functions including Credit, Audit, Risk Control, Fraud Containment and Operational Risk.

Key member in Risk Review function and piloted significant no. of branches and certified them on Risk adherence and kick-started File Quality Review Function and closely worked with the policy team in bringing in best practices to the organization.

Has managed various process changes seamlessly including Centralisation of the process both at State and Regional Level.

He has worked with esteemed organizations like Ashok Leyland Finance, ING Vysya Bank, ICICI Bank, HDFC Bank, and Fullerton India Credit Company Limited.

He was heading South Region – Risk (Underwriting) for Unsecured products at Fullerton India in his recent stint and well applauded for his ability in building strong processes, by implementing the Centralisation of Underwriting, which had resulted in Cost Efficiency and Reduction of TAT. Adaption of various process checks through various digital platforms, Good Team Player by the mentoring team. Takes ownership by working closely with the stakeholders including Business / Collection and other support functions which resulted in holding a quality Portfolio which has reflected in lower delinquency levels.