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Lovaraju Balam

Co-Lending expert with vast experience in Business & Product Management across sectors like Consumer Fin, SME, Ed Loans, MFI, Vehicle Fin, LAP, RBF, EV Fin, & Roof Top Solar Fin.

Chennai, Tamil Nadu
Joined 02 May 2024
7 Followers
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Summary

Working at Northern Arc Capital looking into Partnership Based Lending- Business and Product Management

Skills

FinTech
SME loans
LAP
Car Loans

Experiences

10 years 7 months
  1. Northern Arc
    Northern Arc
    Apr 2018 - Current
    Assistant Vice President
  2. HDB Financial Services
    HDB Financial Services
    Jun 2017 - Apr 2018
    Credit Relationship Manager
    Led Kakinada HDB team in underwriting of SME/LAP/EBL/UCL, achieving approval authority at an early stage for unsecured SME loans and underwriting LAP loans up to 8cr. Conducted thorough evaluations of financial strength for individuals and businesses by analyzing financial statements and credit tools like CIBIL, HAS, POSIDEX, and conducting customer meetings to evaluate credit proposals. Achieved 100% quality with no audit findings from Central Operations for the credit team of Kakinada. Developed comprehensive reports such as Credit MIS, Vendor TAT, Rejection Analysis, Approval Tracker and more. Managed 1-30 bucket collections and significantly improved collection efficiencies.
  3. HDB Financial Services
    HDB Financial Services
    Jun 2016 - May 2017
    Management Trainee
  4. PaGaLGuY
    PaGaLGuY
    Nov 2014 - Mar 2015
    Internship
    Internship in Web2.0 technologies, tools, usage and overall marketing, communications in Digital Marketing.

Education

  1. Amrita Vishwa Vidyapeetham
    Amrita Vishwa Vidyapeetham
    Jan 2014 - Jan 2016
    Master of Business Administration (MBA)
    Finance and Operations

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