SD.STEPHEN DAVIDPROFESSIONAL PORTFOLIO
BUSINESS FINANCE · CREDIT LEADERSHIP

Stephen
David.

Co-Founder & Director · BluCred Services Pvt Ltd

A banker's perspective.
A business-first approach.

Helping businesses connect with the right finance — backed by experience, careful evaluation, and a clear understanding of their needs.

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Professional portrait of Stephen David
STEPHEN DAVIDCOIMBATORE, INDIA
23+

Years of professional experience

₹1,200 crore

Portfolio handled at Axis Bank

85 branches

Across five Tamil Nadu clusters

115 people

Team leadership at Axis Bank

01 / PROFESSIONAL PROFILE

Experience that
brings perspective.

I am a finance professional with over 23 years of experience across business development, credit and risk management, and collections.

As Co-Founder and Director of BluCred Services Pvt Ltd, I help businesses understand their financial position and explore suitable borrowing solutions through banks and financial institutions.

My approach begins with the business itself: its needs, financial health, and repayment capacity. This understanding shapes practical guidance for responsible borrowing and sustainable growth.

Stephen David
02 / AREAS OF FOCUS

Clarity for your next
financial decision.

Combining business understanding with a lender's perspective to support informed financing decisions.

01 / ADVISORY
↗

Credit
advisory

Understanding financial needs, evaluating borrowing readiness, and bringing attention to credit risk and repayment obligations.

Financial assessmentRisk awareness
02 / FACILITATION
↗

Credit
facilitation

Connecting businesses with suitable lending solutions and supporting the journey from understanding requirements to application coordination.

Business financeLender coordination
03 / LEADERSHIP
↗

Business
perspective

Experience across business development, credit and risk management, and collections informs a practical view of growth and financial discipline.

Team leadershipUnderwritingChannel development
03 / PROFESSIONAL BACKGROUND

A foundation in
business and credit.

A career spanning banking, NBFCs, fintech lending, and entrepreneurship since 2003.

BluCred Services Pvt Ltd

Co-Founder & Director

Credit advisory and credit facilitation through banks and financial institutions, supporting business borrowing requirements.

Axis Bank Ltd

Regional Sales Manager · Rural Lending

Managed KCC and overdraft lending, new loan acquisition, and portfolio management. Handled a ₹1,200 crore portfolio across 85 branches in Coimbatore, Tiruppur, Erode, Salem, and Namakkal, with a 115-member team.

Indiabulls Consumer Finance Ltd

Regional Sales Manager · Business Loans · Tamil Nadu & Kerala

Led 9 Area Managers and 20 Sales Managers. Managed unsecured business loan acquisition with ticket sizes up to ₹75 lakh and collections through the first 12 months on book.

Capital Float

Regional Sales Manager / Area Business Manager · Business Loans

Regional responsibilities across Tamil Nadu and Kerala with 3 Area Managers and 15 Sales Managers; also served Coimbatore and Tiruppur in acquisition and underwriting. Unsecured loan ticket sizes up to ₹50 lakh.

Magma Fincorp Ltd

Area Sales Manager · SME Business Loans

Managed Coimbatore, Tiruppur, and Salem with 5 Sales Managers. Responsible for new loan acquisition and collections, with unsecured business loan ticket sizes up to ₹1 crore.

Fullerton India Credit Company Ltd

Location Manager · Mortgages / Branch Manager · Commercial Business

Mortgage acquisition in Coimbatore with loan-against-property ticket sizes up to ₹5 crore. Responsibilities also included commercial business lending, underwriting, and collections.

Kotak Mahindra Bank Ltd

Relationship Manager · Business Loans

Handled business loan acquisition across Coimbatore and Trichy, with 1 Sales Manager and 5 Sales Executives. Unsecured business loan ticket sizes up to ₹50 lakh.

04 / HOW I WORK

Understand first.
Recommend with purpose.

01

Understand the business

Begin with operations, funding needs, and the business's financial position.

02

Evaluate the fit

Consider borrowing requirements, repayment capacity, and appropriate financing options.

03

Support the next step

Provide guidance and coordinate the financing journey through BluCred.

EDUCATION

Bachelor of Computer Applications

University of Madras · 2003

CURRENT FOCUS

BluCred Services Pvt Ltd

Credit advisory & credit facilitation · Coimbatore

05 / GET IN TOUCH

Let's discuss your
next chapter.

Reach out for credit advisory, financing requirements, or professional collaboration.

Send an email ↗WhatsApp ↗
DIRECT EMAILstefendavid@gmail.com
BLUCRED EMAILinfo@blucred.in
PHONE+91 97910 15050
WHATSAPP+91 88077 26817
PROFESSIONAL NETWORKConnect on LinkedIn ↗
OFFICE

BluCred Services Private Limited
250, 1st Floor, T.V. Samy Road East
R.S. Puram, Coimbatore – 641002
Tamil Nadu, India