Experience

MyShubhLife

• India
• Financial Services
• 1 - 100 Employee

• Chief Risk Officer

  • Jul 2020 - Present

  MyShubhLife is India's leading credit scoring and digital lending platform enabling lenders access un-served and under-served market segments by using data sciences and credit reports based on alternative data. The Company uses proprietary AI / machine learning based credit scoring algorithms to take smart credit decisions. • Facilitating the delivery of credit to under-served market segments of India, through a credit framework that evaluates customer affordability, character and… Show more MyShubhLife is India's leading credit scoring and digital lending platform enabling lenders access un-served and under-served market segments by using data sciences and credit reports based on alternative data. The Company uses proprietary AI / machine learning based credit scoring algorithms to take smart credit decisions. • Facilitating the delivery of credit to under-served market segments of India, through a credit framework that evaluates customer affordability, character and willingness to pay using real-time analytics and credit reports based on alternative data. • Leveraging traditional banking expertise with added technology support to build risk governance models (Credit policy, Underwriting policy, Anti-fraud, Portfolio monitoring, Operational risk, Security and Fraud investigation). • Leading the teams to create next generation End to End digitized processes in Credit. • Enabling Decision making powered by rule engines, scorecards, behavioural metrics etc. Combine your data insights with the best machine learning techniques to automate & improve credit decisions. • Overseeing core function like risk management strategies, identifying and assessing various risks and ensuring compliance with regulations to safeguard the company’s financial stability and success. • Introduced digital loans to the self-employed community using alternate data and addressed the challenges faced by freelancers, small business owners, and gig workers in accessing traditional loans. Developed Credit model leveraging on non-traditional data sources, such as digital transaction history, social media presence, and payment patterns, to assess creditworthiness accurately. Powered by statistical models and Machine Learning, we offer customized loan products, ensuring faster processing and financial inclusion for self-employed individuals. Show less MyShubhLife is India's leading credit scoring and digital lending platform enabling lenders access un-served and under-served market segments by using data sciences and credit reports based on alternative data. The Company uses proprietary AI / machine learning based credit scoring algorithms to take smart credit decisions. • Facilitating the delivery of credit to under-served market segments of India, through a credit framework that evaluates customer affordability, character and… Show more MyShubhLife is India's leading credit scoring and digital lending platform enabling lenders access un-served and under-served market segments by using data sciences and credit reports based on alternative data. The Company uses proprietary AI / machine learning based credit scoring algorithms to take smart credit decisions. • Facilitating the delivery of credit to under-served market segments of India, through a credit framework that evaluates customer affordability, character and willingness to pay using real-time analytics and credit reports based on alternative data. • Leveraging traditional banking expertise with added technology support to build risk governance models (Credit policy, Underwriting policy, Anti-fraud, Portfolio monitoring, Operational risk, Security and Fraud investigation). • Leading the teams to create next generation End to End digitized processes in Credit. • Enabling Decision making powered by rule engines, scorecards, behavioural metrics etc. Combine your data insights with the best machine learning techniques to automate & improve credit decisions. • Overseeing core function like risk management strategies, identifying and assessing various risks and ensuring compliance with regulations to safeguard the company’s financial stability and success. • Introduced digital loans to the self-employed community using alternate data and addressed the challenges faced by freelancers, small business owners, and gig workers in accessing traditional loans. Developed Credit model leveraging on non-traditional data sources, such as digital transaction history, social media presence, and payment patterns, to assess creditworthiness accurately. Powered by statistical models and Machine Learning, we offer customized loan products, ensuring faster processing and financial inclusion for self-employed individuals. Show less



Varthana

• India
• Financial Services
• 400 - 500 Employee

• Sr.Vice President & Head – Credit & Policy.

  • Apr 2016 - Jun 2020

  Varthana, a leading provider of infrastructure and project loans for affordable private schools, has successfully established itself as a market leader in APS lending and advisory support. With a network of 34 branches across India, Varthana currently serves approximately 4,500 schools, catering to over 3.2 million students. • Start-up exposure at "Varthana" from scratch to 1200 Cr book and being the market leaders. • Developed comprehensive credit risk policies, procedures, and processes… Show more Varthana, a leading provider of infrastructure and project loans for affordable private schools, has successfully established itself as a market leader in APS lending and advisory support. With a network of 34 branches across India, Varthana currently serves approximately 4,500 schools, catering to over 3.2 million students. • Start-up exposure at "Varthana" from scratch to 1200 Cr book and being the market leaders. • Developed comprehensive credit risk policies, procedures, and processes to mitigate risks in the loan portfolio. • Implemented Credit and Risk Policies and Standards, regularly recommending updates based on evolving risks, economic conditions, and business projections. • Measuring and managing the aggregate risk in the Company's credit portfolio. • Devised and monitored early warning indicators, providing timely alerts and recommending corrective actions. • Led the development and enhancement of credit measurement framework, including rating and scoring models. • Oversaw Pan-India loan underwriting. • Innovated credit appraisal methods for conducting PD based income appraisal for undocumented income customer segment. • Identify and lead initiatives for process improvement and technology adoption for risk management, reporting and operations management. • Identified and resolved fraudulent practices, implementing policy and process changes to mitigate risk. • Supervised external agents for verification processes such as fraud investigation, legal verification, and technical evaluation. • Managed resource planning and operations at the Pan-India level. • Led and developed the credit risk team, focusing on skill enhancement and overall function development. • Ensure timely and accurate reporting of information to the relevant stakeholders. Show less Varthana, a leading provider of infrastructure and project loans for affordable private schools, has successfully established itself as a market leader in APS lending and advisory support. With a network of 34 branches across India, Varthana currently serves approximately 4,500 schools, catering to over 3.2 million students. • Start-up exposure at "Varthana" from scratch to 1200 Cr book and being the market leaders. • Developed comprehensive credit risk policies, procedures, and processes… Show more Varthana, a leading provider of infrastructure and project loans for affordable private schools, has successfully established itself as a market leader in APS lending and advisory support. With a network of 34 branches across India, Varthana currently serves approximately 4,500 schools, catering to over 3.2 million students. • Start-up exposure at "Varthana" from scratch to 1200 Cr book and being the market leaders. • Developed comprehensive credit risk policies, procedures, and processes to mitigate risks in the loan portfolio. • Implemented Credit and Risk Policies and Standards, regularly recommending updates based on evolving risks, economic conditions, and business projections. • Measuring and managing the aggregate risk in the Company's credit portfolio. • Devised and monitored early warning indicators, providing timely alerts and recommending corrective actions. • Led the development and enhancement of credit measurement framework, including rating and scoring models. • Oversaw Pan-India loan underwriting. • Innovated credit appraisal methods for conducting PD based income appraisal for undocumented income customer segment. • Identify and lead initiatives for process improvement and technology adoption for risk management, reporting and operations management. • Identified and resolved fraudulent practices, implementing policy and process changes to mitigate risk. • Supervised external agents for verification processes such as fraud investigation, legal verification, and technical evaluation. • Managed resource planning and operations at the Pan-India level. • Led and developed the credit risk team, focusing on skill enhancement and overall function development. • Ensure timely and accurate reporting of information to the relevant stakeholders. Show less



RBL Bank

• India
• Banking
• 700 & Above Employee

• Assistant Vice President – Credit Underwriting & Risk Management.

  • Feb 2013 - Mar 2016

  • Underwriting of retail asset products for Karnataka region & south states(KA, TS, AP & TN) • Retail asset products handled includes LAP, BIL, SBL, PIL and LAG. • Instrumental in launching Mortgage business for Rest of Mumbai(Maharashtra Region). • Handled mortgage business for west during FY 2013-14. • Catering to Salaried, Self-employed & Self-employed professional market segment for all products under retail assets umbrella. • Credit appraisal includes… Show more • Underwriting of retail asset products for Karnataka region & south states(KA, TS, AP & TN) • Retail asset products handled includes LAP, BIL, SBL, PIL and LAG. • Instrumental in launching Mortgage business for Rest of Mumbai(Maharashtra Region). • Handled mortgage business for west during FY 2013-14. • Catering to Salaried, Self-employed & Self-employed professional market segment for all products under retail assets umbrella. • Credit appraisal includes, client profiling, financial analysis, overview business model, profitability, industry specific Macro & Micro economic factors, & market feedback. • Secured loans will undergo property risk & legal risk evaluation. • Conduct personal discussions at business place and evaluate Client profile. • Managing the credit shop for file login till loan disbursement. • Support sourcing team by way of training, giving timely feedback on sourcing and designing tailor made products. • Delinquency analysis, portfolio mapping to identify early triggers. • Publish regular MIS’s and analysis reports. • Have regular hurdles with the team & sourcing counter parts. • Give feedback to product & policy team to incorporate changes as per findings. • Keep a tab on audit report with minimal findings. • Identifying new untapped market opportunities and tailor design products. Show less • Underwriting of retail asset products for Karnataka region & south states(KA, TS, AP & TN) • Retail asset products handled includes LAP, BIL, SBL, PIL and LAG. • Instrumental in launching Mortgage business for Rest of Mumbai(Maharashtra Region). • Handled mortgage business for west during FY 2013-14. • Catering to Salaried, Self-employed & Self-employed professional market segment for all products under retail assets umbrella. • Credit appraisal includes… Show more • Underwriting of retail asset products for Karnataka region & south states(KA, TS, AP & TN) • Retail asset products handled includes LAP, BIL, SBL, PIL and LAG. • Instrumental in launching Mortgage business for Rest of Mumbai(Maharashtra Region). • Handled mortgage business for west during FY 2013-14. • Catering to Salaried, Self-employed & Self-employed professional market segment for all products under retail assets umbrella. • Credit appraisal includes, client profiling, financial analysis, overview business model, profitability, industry specific Macro & Micro economic factors, & market feedback. • Secured loans will undergo property risk & legal risk evaluation. • Conduct personal discussions at business place and evaluate Client profile. • Managing the credit shop for file login till loan disbursement. • Support sourcing team by way of training, giving timely feedback on sourcing and designing tailor made products. • Delinquency analysis, portfolio mapping to identify early triggers. • Publish regular MIS’s and analysis reports. • Have regular hurdles with the team & sourcing counter parts. • Give feedback to product & policy team to incorporate changes as per findings. • Keep a tab on audit report with minimal findings. • Identifying new untapped market opportunities and tailor design products. Show less



Dhanlaxmi Bank Limited

• India
• Banking
• 500 - 600 Employee

• Regional Credit Manager for South Zone (Kar, TN, AP & Kerala).

  • Aug 2011 - Feb 2013

  • Underwriting of all retail product loans for Karnataka from Feb 2012 to Feb 2013, i.e. HL, LAP, CV, Auto, PL, Education loans etc. • Underwriting of personal upto Rs.15 Lacs, unsecured Business loan upto Rs.30 Lacs from Aug 2011 to Feb 2012. • Handling a team of 14 credit managers & 16 processing officers/executives. • Product launch with process reengineering & implementation from scratch. • Regular hurdles with the team for learning’s & process fine tuning. … Show more • Underwriting of all retail product loans for Karnataka from Feb 2012 to Feb 2013, i.e. HL, LAP, CV, Auto, PL, Education loans etc. • Underwriting of personal upto Rs.15 Lacs, unsecured Business loan upto Rs.30 Lacs from Aug 2011 to Feb 2012. • Handling a team of 14 credit managers & 16 processing officers/executives. • Product launch with process reengineering & implementation from scratch. • Regular hurdles with the team for learning’s & process fine tuning. • Review all loan deals proposed by credit managers & sanction cases within Policy & board parameters. • Emphasis on income based lending model rather than surrogate programmes. • Appraising proposals basis bureau score, eligibility, in depth financial analysis, personal discussion, business model, market feedback & feedback from other financier’s. • Regular hurdles with the team & emphasis on implementing our past learning’s & changing business needs. • Exposure to south Indian markets like Karnataka, Andhra, Tamilnadu & Kerala. • Provide feedback to Product & policy team in light of any changes & market trends. • Supervise the south credit underwriting team for decisioning & processing of cases as per defined timelines and policy. • Coordination with sales, operations & collections team. • Closely monitor competition activities & provide feedback/suggestions to Product/policy team. • Ensuring seamless coordination between agencies, credit resources, sales and other teams. • Providing relevant support to Quality Assurance team and work on the feedbacks provided. • Assigns targets, execution strategy, volume projection and manpower allocation to the regional credit team. • Conducting refresher training/ other trainings at regular intervals and updating the underwriting team on the process/ policy change. Show less • Underwriting of all retail product loans for Karnataka from Feb 2012 to Feb 2013, i.e. HL, LAP, CV, Auto, PL, Education loans etc. • Underwriting of personal upto Rs.15 Lacs, unsecured Business loan upto Rs.30 Lacs from Aug 2011 to Feb 2012. • Handling a team of 14 credit managers & 16 processing officers/executives. • Product launch with process reengineering & implementation from scratch. • Regular hurdles with the team for learning’s & process fine tuning. … Show more • Underwriting of all retail product loans for Karnataka from Feb 2012 to Feb 2013, i.e. HL, LAP, CV, Auto, PL, Education loans etc. • Underwriting of personal upto Rs.15 Lacs, unsecured Business loan upto Rs.30 Lacs from Aug 2011 to Feb 2012. • Handling a team of 14 credit managers & 16 processing officers/executives. • Product launch with process reengineering & implementation from scratch. • Regular hurdles with the team for learning’s & process fine tuning. • Review all loan deals proposed by credit managers & sanction cases within Policy & board parameters. • Emphasis on income based lending model rather than surrogate programmes. • Appraising proposals basis bureau score, eligibility, in depth financial analysis, personal discussion, business model, market feedback & feedback from other financier’s. • Regular hurdles with the team & emphasis on implementing our past learning’s & changing business needs. • Exposure to south Indian markets like Karnataka, Andhra, Tamilnadu & Kerala. • Provide feedback to Product & policy team in light of any changes & market trends. • Supervise the south credit underwriting team for decisioning & processing of cases as per defined timelines and policy. • Coordination with sales, operations & collections team. • Closely monitor competition activities & provide feedback/suggestions to Product/policy team. • Ensuring seamless coordination between agencies, credit resources, sales and other teams. • Providing relevant support to Quality Assurance team and work on the feedbacks provided. • Assigns targets, execution strategy, volume projection and manpower allocation to the regional credit team. • Conducting refresher training/ other trainings at regular intervals and updating the underwriting team on the process/ policy change. Show less



Barclays Corporate & Investment Bank

• United States
• Financial Services
• 700 & Above Employee

• Manager Credit - Karnataka

  • May 2008 - Aug 2011

  • Underwriting of personal loan up to Rs.15 Lacs for South Locations. • Exposure to south Indian markets like Karnataka, Andhra & Tamilnadu. • Appraising credit proposals basis bureau Scoring & App scoring model. • Handling of files end to end from Login’s, approvals, disbursals & authorisation. • Adopted a new process basis banking, financials, leverageness, DBR, company reputation, industry type and how much stressed is an individual under current economic… Show more • Underwriting of personal loan up to Rs.15 Lacs for South Locations. • Exposure to south Indian markets like Karnataka, Andhra & Tamilnadu. • Appraising credit proposals basis bureau Scoring & App scoring model. • Handling of files end to end from Login’s, approvals, disbursals & authorisation. • Adopted a new process basis banking, financials, leverageness, DBR, company reputation, industry type and how much stressed is an individual under current economic scenario. • Launch and enhance PIL business objectives in the hub. • Managing & building an effective team & periodically communicate the team about policy & process changes. • Constantly coming up with ideas related to processes & policy to ensure competitive edge in the market • Develop flow less process to ensure handling of files complete end to end from Login’s, approvals, disbursals & authorisation. • Managing the branch operations with key focus on bottom line profitability by ensuring optimal utilization of available resources. • Additional responsibility of rewrite, top-up & product migration. • Ensure daily reporting & monthly MIS’s to central team. Show less • Underwriting of personal loan up to Rs.15 Lacs for South Locations. • Exposure to south Indian markets like Karnataka, Andhra & Tamilnadu. • Appraising credit proposals basis bureau Scoring & App scoring model. • Handling of files end to end from Login’s, approvals, disbursals & authorisation. • Adopted a new process basis banking, financials, leverageness, DBR, company reputation, industry type and how much stressed is an individual under current economic… Show more • Underwriting of personal loan up to Rs.15 Lacs for South Locations. • Exposure to south Indian markets like Karnataka, Andhra & Tamilnadu. • Appraising credit proposals basis bureau Scoring & App scoring model. • Handling of files end to end from Login’s, approvals, disbursals & authorisation. • Adopted a new process basis banking, financials, leverageness, DBR, company reputation, industry type and how much stressed is an individual under current economic scenario. • Launch and enhance PIL business objectives in the hub. • Managing & building an effective team & periodically communicate the team about policy & process changes. • Constantly coming up with ideas related to processes & policy to ensure competitive edge in the market • Develop flow less process to ensure handling of files complete end to end from Login’s, approvals, disbursals & authorisation. • Managing the branch operations with key focus on bottom line profitability by ensuring optimal utilization of available resources. • Additional responsibility of rewrite, top-up & product migration. • Ensure daily reporting & monthly MIS’s to central team. Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Manager Credit

  • Oct 2005 - Apr 2008

  • Underwriting of personal loans for Bangalore location. • Handling a team of Branch underwriters, Mobile credit team, & Hope u/w’s. • Creating, managing and streamlining start-ups. • Establishing goals & developing plans for the achievement of these goals. • Initiated Data entry & processing during night shift to give the best TAT in the market. • Monitoring of Mobile Credit Team to give the best customer service at their doorsteps. • Checklists… Show more • Underwriting of personal loans for Bangalore location. • Handling a team of Branch underwriters, Mobile credit team, & Hope u/w’s. • Creating, managing and streamlining start-ups. • Establishing goals & developing plans for the achievement of these goals. • Initiated Data entry & processing during night shift to give the best TAT in the market. • Monitoring of Mobile Credit Team to give the best customer service at their doorsteps. • Checklists, Internal audit team and streamlined process flow helped in achieving the least audit error. • Holds the distinction of introducing minimum credit parameter checklist to improve productivity. • Responsible for developing location database to check misleading information & intentional frauds. • Instrumental in introducing green channel to reduce repetition & duplication of work. • Launched new procedures & checklists to eliminate errors during underwriting. • Imparting training to the credit team about the banking software. • Leading, mentoring & monitoring the performance of the team to ensure efficiency in process operations & meeting of individual & group targets. • MIS’s for analysis and reporting. Show less • Underwriting of personal loans for Bangalore location. • Handling a team of Branch underwriters, Mobile credit team, & Hope u/w’s. • Creating, managing and streamlining start-ups. • Establishing goals & developing plans for the achievement of these goals. • Initiated Data entry & processing during night shift to give the best TAT in the market. • Monitoring of Mobile Credit Team to give the best customer service at their doorsteps. • Checklists… Show more • Underwriting of personal loans for Bangalore location. • Handling a team of Branch underwriters, Mobile credit team, & Hope u/w’s. • Creating, managing and streamlining start-ups. • Establishing goals & developing plans for the achievement of these goals. • Initiated Data entry & processing during night shift to give the best TAT in the market. • Monitoring of Mobile Credit Team to give the best customer service at their doorsteps. • Checklists, Internal audit team and streamlined process flow helped in achieving the least audit error. • Holds the distinction of introducing minimum credit parameter checklist to improve productivity. • Responsible for developing location database to check misleading information & intentional frauds. • Instrumental in introducing green channel to reduce repetition & duplication of work. • Launched new procedures & checklists to eliminate errors during underwriting. • Imparting training to the credit team about the banking software. • Leading, mentoring & monitoring the performance of the team to ensure efficiency in process operations & meeting of individual & group targets. • MIS’s for analysis and reporting. Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• Credit Officer

  • Mar 2004 - Sep 2005

  • Underwriting personal loans for Vijaynagar branch, Citifinancials. • Successfully developed new channels for sourcing other than DST & DSA’s. • Started reference programme which proved to be very successful. • Conducted Fast Track programme for credit tested customers, which resulted in quick approval. • Underwriting personal loans for Vijaynagar branch, Citifinancials. • Successfully developed new channels for sourcing other than DST & DSA’s. • Started reference programme which proved to be very successful. • Conducted Fast Track programme for credit tested customers, which resulted in quick approval.