Rajeev Ranjan

CEO

Ranchi, Jharkhand, India13 yrs 5 mos experience

Highly Stable

Key Highlights

Over 13 years of experience in MSME finance.
Expertise in credit risk and underwriting.
Strong focus on sustainable lending relationships.

Stackforce AI infers this person is a seasoned professional in Fintech with a strong emphasis on MSME lending and credit risk management.

Contact

rajeevu23@gmail.com LinkedIn

Skills

Core Skills

Msme & Mid Market SegmentCredit RiskCredit UnderwritingLeadership & StrategyCredit Management

Other Skills

Sales & Business DevelopmentCredit & Risk AcumenHigh Value Case UnderwritingTeam LeadershipTeam ManagementBusiness CommunicationsCredit RatingCredit AnalysisFinancial Statement AnalysisCompliance ManagementCustomer Due Diligence (CDD)Regulatory ComplianceBusiness LoansTime ManagementTarget Marketing

About

Access to finance remains one of the biggest growth constraints for many MSME businesses in India. Over the past 13+ years in banking and NBFCs, I have worked across MSME sales, credit risk, underwriting, and business development within the MSME and mid-market segment. My experience spans working capital finance, CEQ finance, supply chain finance, and project finance, with a focus on building sustainable lending relationships and supporting the growth of MSME businesses. I’m particularly interested in how financial discipline, structured credit evaluation, and responsible lending can strengthen the MSME ecosystem. I regularly share perspectives on MSME finance, lending dynamics, credit evaluation, and financial fundamentals for growing businesses. Happy to connect with professionals working in MSME finance, credit risk, and the broader lending ecosystem.

Experience

13 yrs 5 mos

Total Experience

4 yrs 2 mos

Average Tenure

9 mos

Current Experience

Tata capital

State Head - CEQ Finance

Sep 2025 – Present · 9 mos · Ranchi · On-site

Sales & Business DevelopmentCredit & Risk AcumenMSME & Mid Market SegmentCredit Risk

Axis bank

3 roles

Credit Analyst

Dec 2024 – Sep 2025 · 9 mos · Ranchi, Jharkhand, India · On-site

High Value Case UnderwritingMSME & Mid Market SegmentCredit Underwriting

Area Sales Manager

Promoted

Jul 2023 – Sep 2025 · 2 yrs 2 mos · Ranchi, Jharkhand, India · On-site

Team LeadershipTeam ManagementLeadership & Strategy

Relationship Manager

Jan 2020 – Jun 2023 · 3 yrs 5 mos · Ranchi, Jharkhand, India · On-site

Business CommunicationsCredit RatingCredit Management

Hdfc bank limited

Relationship Manager

Nov 2018 – Jan 2020 · 1 yr 2 mos · New Delhi Area, India · On-site

Business CommunicationsCredit RatingCredit Management

Icici bank

Solution Manager

Nov 2012 – Oct 2018 · 5 yrs 11 mos · Patna, Bihar, India

 Promotion & Facilitation asset products i.e. Cash Credit, Overdraft, Term Loan, LC, BG etc. to business entity and cross sale of products & services like Life Insurance, Mutual Fund, Door Step Banking etc.
 Analysis of credit and financial statement of borrowing entity including balance sheet, income statement, statement of change in net assets, schedule of investments, cash flow statement, shareholder's interest, financial highlights with evaluation of loan structures & ensuring credit standards according to bank goals and policies
 Preparation of credit appraisal memo along with various checks for different products & its variant
 Coordination with various teams including credit risk team and sanctioning authority to get the cases sanctioned
 Preparation disbursement documents post sanction according to product policies and credit agreement letter
 Accomplishment of end to end work within standard TAT (Field Investigation, Analysis of credit and financial statements, CAM preparation, Sanction, Legal, Technical, Disbursement)
 Timely review of existing portfolio through analysis of track record of credit facilities and identified risk areas

Business CommunicationsCredit RatingCredit Risk