Ramdas Acharya
Chief Credit Officer - Credit & Collateral Clix Capital | Ex Poonawalla Housing | Ex Bajaj Finance , Bajaj Housing | SCB | Kotak Bank | Barclays Bank.
Clix Capital•Gurugram, Haryana, India
View LinkedIn ProfileExecutive Overview
A seasoned Banker with 24+ years of productive & varied experience in Underwriting, Operations , New Product Development both in secured and unsecured retail lending products. Expertise in Mortgage, Business Loans products, CV & CE Lending, Equipment Finance, Customer Relationship Management & Team management with hands on working experience on Credit Underwriting & Operations, Receivable Management, Skip Tracing in collection, Training & Development, Credit Setup, Develop & Design Risk Management Framework, Credit Policy and Business Development Experience in area of Credit Risk Management, Rich underwriting knowledge in products like Two wheeler Loans, Car Loans, Commercial Vehicle, Construction Equipment, Working capital, SME / MSME - Business Loans, Machine Lending, Mortgage Finance. Also hold strong skills in building Business from inception stage & setup of Credit, Operation function. Key Strength: Credit Underwriting - Secured & Unsecured product. Risk Management Strong Market & Product Knowledge Team Management Setup, build & develop quality team. Product Development. Business Development.
Career Timeline
- Clix CapitalCurrent2023–Present· 3 yrs 8 mos
- Chief Credit OfficerCurrent2023–Present
- Nov 2021–Apr 2023· 1 yr 5 mos
- Chief Credit OfficerNov 2021–Apr 2023
- Apr 2018–Nov 2021· 3 yrs 7 mos
- Divisional Head - Credit , Collateral & AuditApr 2019–Nov 2021
- National Head Rural Credit & OperationApr 2018–Apr 2019
- Mar 2015–Apr 2018· 3 yrs 1 mo
- National Credit Head - Rural Consumer & MSMEApr 2016–Apr 2018
- National Head Credit - MSME (Rural)Mar 2015–Apr 2016
- 2014–Mar 2015· 1 yr 2 mos
- Director, Credit2014–Mar 2015
- Aug 2012–2014· 1 yr 5 mos
- Head - New Products & Business DevelopmentAug 2013–2014
- Dy. Vice President (Head Credit & Risk)Aug 2012–Aug 2013
- Feb 2007–2012· 4 yrs 11 mos
- Asst. Vice President (RCM) - SouthFeb 2007–2012
- Oct 2006–2007· 3 mos
- Asst. Vice President (RCM South) - SME CreditOct 2006–2007
- May 2006–Sep 2006· 4 mos
- Manager Credit - SME Karnataka RegionMay 2006–Sep 2006
- 2006–May 2006· 4 mos
- Associate Consultant - Credit Risk2006–May 2006
Education
Bachelor of Business Administration (BBA)
Finance & Marketing
SDM College of Business ManagementMaster of Business Administration (MBA)
Information System , Finance
NMAMIT