Ravii Rraj

Operations Associate

Mumbai, Maharashtra, India3 yrs 3 mos experience

Most Likely To Switch

Key Highlights

Achieved 120% portfolio growth in 8 months.
Designed innovative credit solutions for large clients.
Implemented robust credit risk frameworks.

Stackforce AI infers this person is a Fintech expert specializing in credit solutions and risk management.

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Skills

Core Skills

Credit Sales StrategyStructured Finance SolutionCredit Risk AnalysisMarket Growth

Other Skills

Channel FinancingCredit EvaluationCredit Sales ExecutionDebt Syndication & NegotiationRisk-Adjusted LendingSectoral Risk AnalysisWorking Capital Solutions

About

I enable businesses to scale by delivering fast, reliable, and risk-optimized credit solutions. At JSW ONE, I lead credit sales for the Enterprise & Construction segment in Maharashtra, structuring in financing for large-ticket clients through working capital solutions, structured debt, and bundled credit products Previously at OfBusiness, I drove portfolio growth across Maharashtra & Gujarat, combining credit risk analysis, sectoral risk mapping, and market penetration strategy to disburse to MSMEs and mid-corporates. Core Strengths: Credit Sales Execution: SMB onboarding to enterprise negotiations with ₹1–₹20 Cr deal sizes. Credit Evaluation: Financial statement analysis, CMR underwriting, collateral & cash flow assessment. Market Growth: Channel Financing, Product bundling, trade receivables financing, and tailored debt structuring.

Experience

Jsw one platforms ltd.

Senior Manager

Oct 2024 – Present · 1 yr 5 mos · Mumbai, Maharashtra, India · On-site

Promoted from SMB credit sales to Enterprise & Construct segment within 8 months for delivering
120% (Initial Clientele -23 , Final Clientele - 52) portfolio growth and high client retention.
Designed structured debt solutions for Manufacturing clients, Solar Segment, Infrastructure and industrial clients, reducing funding costs and optimizing capital structures.
Implemented credit risk evaluation frameworks including CMR scoring, cash flow analysis, and sectoral risk reviews to safeguard portfolio quality.
Drove market penetration into high-value segments, onboarding marquee accounts in steel and construction industries.

Credit Sales ExecutionCredit EvaluationMarket GrowthCredit Sales StrategyStructured Finance Solution