Experience

SATYA Micro Housing Finance Private Ltd

• India
• Financial Services
• 1 - 100 Employee

• Chief Executive Officer

  • Jun 2023 - 7 months

  New Delhi, Delhi, India



Atal Innovation Mission Official

• India
• Government Administration
• 100 - 200 Employee

• Mentor of Change

  • Feb 2020 - 3 years 11 months

  New Delhi Area, India Government of India’s flagship program, Atal Tinkering Lab is established by Atal Innovation Mission ,NITI Aayog. This is part of a nation building initiative to engage people who can guide and mentor students. This is volunteering activity to support innovation and entrepreneurship for students at school level. #MentorOfChange #AIMtoInnovate #MentoringForNewIndia #StartupNation #student-entrepreneurship



SATYA MicroCapital Limited

• India
• Financial Services
• 300 - 400 Employee

• Chief Credit & Risk Officer

  • Jul 2020 - May 2023

  New Delhi, Delhi, India



ART Housing Finance (India) Ltd

• India
• Financial Services
• 200 - 300 Employee

• Chief Credit Officer

  • Jun 2018 - Jul 2020

  Gurgaon, India

• Head - Credit, Product & Policy

  • Dec 2016 - Jun 2018

  Gurgaon, India



Religare

• India
• Financial Services
• 700 & Above Employee

• Vice President- Head Credit Policy & Underwriting

  • Apr 2014 - Dec 2016

  New Delhi Area, India • Responsible for Credit Risk Management of the company including Policy formulation as National Head – Credit Policy and Underwriting. Part of all Credit Committee upto Rs.10 Crore sanctioning with individual authority up to Rs.5 Cr. Our customer segment includes mostly informal and self employed whose income doesn’t have any supporting documents.We are catering to affordable housing segment funding. • Credit Policies - Develop Credit Policies for affordable housing/low income housing… Show more • Responsible for Credit Risk Management of the company including Policy formulation as National Head – Credit Policy and Underwriting. Part of all Credit Committee upto Rs.10 Crore sanctioning with individual authority up to Rs.5 Cr. Our customer segment includes mostly informal and self employed whose income doesn’t have any supporting documents.We are catering to affordable housing segment funding. • Credit Policies - Develop Credit Policies for affordable housing/low income housing and mid market segment customers • Credit Underwriting- Ensure Credit Quality; provide credit decision /recommendations for the portfolio for Retail Home Loan/LAP, Construction Finance Large Corporate including Builder financing, onward lending (HFC) and structured deals • Credit Appraisal & Control - Regular interaction with the frontline for better deal structuring and transaction processing • Portfolio Management - Monitor Daily, Weekly, Fortnightly and Monthly MIS of credit & early warning signals to minimise credit losses and devise appropriate strategies to reduce losses. Manage Portfolio by tracking through various MIS reports and analyzing Portfolio Profitability, Credit Risks, Provisioning, and Delinquency flow rates • Collections & Recovery - Identify weak accounts and classify them in to NPA & Provisioning on such accounts. Track collections activities and ensured delinquencies were maintained within permissible limits including action under SARFESAI Act. • Audit & Compliance - Conduct Portfolio Audit on quarterly basis and ensure effective and fast closures of audit findings. • Part of initial start up team of the company and instrumental in setting up policies and processes and business expansion in the state of Delhi, Rajasthan, Gujarat and Maharashtra.

• AVP & Head Credit Policy & Underwriting

  • Apr 2013 - Mar 2014

  New Delhi Area, India

• Associate Vice President

  • Feb 2011 - Mar 2013

  Delhi • Responsible for running Credit Risk Assessment SBU of Capital Market Finance (CMF) business • Perform risk assessment to assigned portfolios as well as ensure that all credit risk ratings are both timely and accurate. • Setting up the best practices for Securities Lending business –Margin Funding, Promoter Funding, IPO & ESOP Funding for retail and non-retail customers. Funding against mutual fund, bond and commodities. • Looking after compliance and Audit of CMF function. Other… Show more • Responsible for running Credit Risk Assessment SBU of Capital Market Finance (CMF) business • Perform risk assessment to assigned portfolios as well as ensure that all credit risk ratings are both timely and accurate. • Setting up the best practices for Securities Lending business –Margin Funding, Promoter Funding, IPO & ESOP Funding for retail and non-retail customers. Funding against mutual fund, bond and commodities. • Looking after compliance and Audit of CMF function. Other function involves efficient monitoring of credit exposure, regulatory compliance and co-ordination with market risk monitoring team and Analytics.



ICRA Management Consulting Services Limited

• India
• Business Consulting and Services
• 1 - 100 Employee

• Senior Analyst

  • Apr 2010 - Jan 2011

  New Delhi • Executed assignment on Credit risk includes clientele such as PTC financial Services, Tata Capital Limited, Mahindra and Mahindra Financial services Ltd, Yes Bank, Oriental Bank of Commerce, Punjab National Bank and International Finance Corporation etc. • Prepared end to end Credit and Equity Investment process for PTC Financial services and Credit Risk Policies and risk management framework for New Bank to be set up by Large Corporate House. • Development of Credit Risk Model for… Show more • Executed assignment on Credit risk includes clientele such as PTC financial Services, Tata Capital Limited, Mahindra and Mahindra Financial services Ltd, Yes Bank, Oriental Bank of Commerce, Punjab National Bank and International Finance Corporation etc. • Prepared end to end Credit and Equity Investment process for PTC Financial services and Credit Risk Policies and risk management framework for New Bank to be set up by Large Corporate House. • Development of Credit Risk Model for Large/Emerging Corporate, SME, Green Field Project and Promoter Funding Model. • Capacity Building advisory for Housing finance Companies and International Finance Corporation (IFC) sponsored Project (10 start ups Low Income Housing Finance company) • Capacity Building advisory for Banks in Bangladesh an International Finance Corporation (IFC) sponsored Project (Risk management in banks which includes Credit Risk, Market Risk and Operational Risk etc) • Advisory on Basel II implementation for Banks in India Show less



ICRA Management Consulting services

• Analyst

  • Aug 2007 - Jun 2010

  Ranjeet is Analyst at Major Management Consultancy Services Firm (Banking and Finance Group). His specialties include Credit Appraisal, credit rating methods, credit assessment models, rating models, risk capital allocation, and risk measurement methodologies. Has been involved in a wide range of financial assignments covering business advisory, system integration, rating models calibration as well as the design, implementation.He provides advice on the integrated risk management implementation… Show more Ranjeet is Analyst at Major Management Consultancy Services Firm (Banking and Finance Group). His specialties include Credit Appraisal, credit rating methods, credit assessment models, rating models, risk capital allocation, and risk measurement methodologies. Has been involved in a wide range of financial assignments covering business advisory, system integration, rating models calibration as well as the design, implementation.He provides advice on the integrated risk management implementation development to assess market, credit and operational risk. He has in-depth knowledge on the Basel II minimum capital requirements framework , the supervisory review process , and the transparency requirements framework . He has extensive knowledge on the Risk Weighted Assets analysis, key risk indicators, RAROC.He was Credit Analyst in his earlier role at one of the Bank He is a Associate member the Institute of Chartered Accountants of India and Institute of Cost and Works Accountant of India. Show less



R System International Ltd

• Business Analyst

  • Mar 2007 - Aug 2007

  Busness Analyst Banking Domain



Polaris Software Lab Ltd

• Business Analyst

  • Aug 2006 - Mar 2007

  Business Analyst : Banking Domain Risk Management (credit Risk),Basel II



IndusInd Bank

• India
• Banking
• 700 & Above Employee

• Asst . Manager

  • Jun 2005 - Aug 2006

  Credit Appraisal & Administration : Types of proposals are Working Capital –Cash Credit & Demand Loan, Short Term Loan & Term loan primarily pertain to Large Corporate Credit worthiness of the borrower based on a set of checkpoints. Analyzing Financial Statements, SWOT analysis, Structuring Credit Facilities, Credit Ratings. Assessment of Business, Market and Management risk.