KR

Karunamoorthi Rajangam

Director at Anicut Finance Private Limited

Chennai, Tamil Nadu

Overview 

Karunamoorthi Rajangam is an accomplished investment professional with a background in debt and angel investments, currently serving as the Director at Anicut Finance Private Limited in Chennai, Tamil Nadu. With a strong track record in business analysis and credit risk management, he has held key roles at Anicut Capital LLP and Northern Arc Capital, specializing in sectors like logistics, food and beverage, and fintech. Rajangam's career highlights include his leadership roles at Anicut Finance Private Limited and Northern Arc Capital, where he excelled in business strategy and credit risk management across various sectors, showcasing his expertise in investment analysis and business development.

Work Experience 

Anicut Finance Private Limited

  • Director

    2022 - Current

AC

Anicut Capital LLP

  • Vice President

    2021

NA

Northern Arc Capital

  • Director - Microfinance & Gold Financial Institutions Credit Risk & Monitoring

    2020 - 2021

    Credit & Risk Assessment: o Responsible for team delivery on credit risk assessments, risk opinions and risk recommendation to onboard new FI partners. o Responsible for risk assessments for all major financial products like Term loans, Pooled Loan Issuance (PLI), Credit guarantees, Sub-debt, Securitization and Direct assignments. o Supporting credit committee in terms of risk feedback to enhance exposure limits. o Supported in underwriting business volumes to the tune of 1200+ Crores and finalizing term sheets. o Responsible for analysing liquidity position and cash flows and recommend for moratorium and restructuring requests from FI partners. Structured finance Transaction analysis: o Instrumental in developing the pool selection criteria, stress districts policy for MFI sector to select best performing loans for securitization and direct assignment transactions. o Responsible for underwriting Securitization and Direct Assignment transactions in MFI sector. Portfolio risk Management: o Performance assessment of MFI portfolio, Early Alert discussions and staging of exposures for ECL computation Risk Monitoring: o Responsible to continuous monitoring of around 50+ FI partners spread across various parts of the country. o 20+ risk visits to FI partners’ branches and Head Offices executed during this FY21 Management reporting & support: o Developed clear objective risk monitoring reporting format and implemented in Nimbus software system. o Responsible for board and risk committee presentations for the Microfinance sector. o Represent Northernarc risk team in investor/lender due diligence and manage lender or investor discussion particularly for the MFI sector. Team management: o Managing a team of six highly qualified Credit risk analysts, internal training and mentoring. o Responsible for resource planning as per yearly AOP, recruitment and training of the staff

  • Associate Director & Head- Microfinance Credit Risk & Monitoring

    2019 - 2020

  • Associate Director & Head-Vehicle Finance, Credit Risk & Monitoring

    2017 - 2019

  • Team Member

    2013 - 2017

SM

SKS Microfinance Ltd

  • Area Manager

    2012 - 2013

  • Area Manager

    2010 - 2012

MRF Tyres

  • Quality Assurance Supervisor

    2005 - 2008

Sterlite Industries

  • Process Tech

    2003 - 2005

Education 

Articles About Karunamoorthi

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