Karunamoorthi Rajangam

Director

2022 - Current

Vice President

2021

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

Area Manager

2012 - 2013

Area Manager

2010 - 2012

Quality Assurance Supervisor

2005 - 2008

Process Tech

2003 - 2005