Experience

Arvog

• India
• Financial Services
• 1 - 100 Employee

• Chief Executive Officer

  • Nov 2022 - Present

  Arvog is a new-age, AI/ML-powered, customer-centric finance company that makes digital lending quick, efficient, and easy. We focus on digital personal loan and digital gold loan. Arvog (Finkurve Financial Services Limited) is a listed company on the BSE limited (Bombay Stock Exchange - 508954) and registered as an NBFC (Non-Banking Financial Company) with the RBI (Reserve Bank Of India). Arvog is a new-age, AI/ML-powered, customer-centric finance company that makes digital lending quick, efficient, and easy. We focus on digital personal loan and digital gold loan. Arvog (Finkurve Financial Services Limited) is a listed company on the BSE limited (Bombay Stock Exchange - 508954) and registered as an NBFC (Non-Banking Financial Company) with the RBI (Reserve Bank Of India).



Svakarma Finance

• India
• Financial Services
• 1 - 100 Employee

• Co-Founder

  • Jul 2018 - Nov 2022

  A startup NBFC received licence from RBI in June'18, I joined as one of initial founder member and responsible for establishes a complete delivery mechanism of Customer loan life cycle from scratches. Managing operating process and controls, helps in building credit & risk policies, branch process & controls, Co-lending / business correspondence on-boarding, eco-partners. Also responsible for business re-engineering, business continuity management, Audit and controls and Information Technology etc Successfully started sourcing in 4 states through our own branches and BC model with primary focus on Impact based MSME loans segments or similar on lending or co-lending partnerships. Responsible for complete delivery eco-system to support and build MSME book for Svakarma Finance Show less



Netafim Irrigation India Pvt Ltd.

• India
• 1 - 100 Employee

• Manager Credit, Risk Control & New Product development

  • Sep 2015 - Jul 2018

  • Reporting and working closely with CEO and Product and credit head. • A competent and committed Banking & Finance professional, with nearly 5 years of experience in New Product Development ,Channel Finance, Credit Risk ,Collection & PAR management, Loan Syndication and Relation Ship Management • Currently Launched Lease finance and Vendor Finance products • Sales of Loan against properties, Mortgages & Unsecured loans to Small and Medium enterprises. • Possess thorough knowledge of Credit Analysis, Credit Sanction & Review, Bank/Investor Relationship Management, Cash Management, Financial Analysis and Documentation • The responsibilities include New Product Development, Team management, Credit appraisal of lending proposals to SME/Large Corporates, Risk assessment, Delinquency Bucketing and rating and making recommendations to approving committees • Posses thorough understanding of regulatory norms and applicable accounting policies • Possess strong Business Knowledge, with knowledge of Capital Markets, Securities, Fixed Income, Interest Rate, Credit Risk, Balance Sheet, P&L and Cash Flow Analysis (Bonds) • Highly result-oriented analytical professional with solid financial and statistical reporting background • Consensus-driven communicator; liaise across various processing teams • Excel at interacting with individuals at all levels, to ensure that organizational goals are attained • Highly effective in supervising and motivating individuals to their fullest potential Show less



Cosmos Bank

• India
• Consumer Services
• 1 - 100 Employee

• Manager

  • Jan 2015 - Sep 2015

  Responsbilities • Maintain relationship with mapped clients for checking requirement of product. • Manage and monitor post sanction process of the allocated commercial loan portfolio including documentation, ROC creation, Mortgage execution, legal vetting of documents and disbursements etc • Post approval stage checking of property documents, Legal & Valuation report Monthly/periodical monitoring and reporting of the overdue positions, recovery, utilization of limits, AML alerts, issuance/signing of Liability letters etc. • Monitoring the overall functioning of processes pertaining to allocated portfolio, identifying improvement areas & implementing adequate measures to minimize credit risks • Credit appraisal of lending proposals to SME/Large Corporates, risk assessment and rating and making recommendations for approval. • Assist in mapping business requirements & coordinating in developing & implementing processes in line with the preset guidelines, lead and/or assist selected process initiatives • Cross Selling • Perform Reconciliation of system flows to resolve breaks and increase efficiency • Liaison with banks and customers to keep regular track record of bank limits and interest rates • Coordinate with the team across all departments to ensure the team meets the goals • Process invoices as per SLA on due dates based on double entry system • Manage allocated NPA and Overdue portfolios Compliance & Ethics - Ensure 100% compliance and adhere to company’s best practice Show less



Darashaw

• India
• Financial Services
• 200 - 300 Employee

• Assosiate

  • Feb 2011 - Jan 2015

  • Liaison with banks to keep regular track record of bank limits and interest rates • Liaisioning, interacting and follow up with Banks / FIs for sanction and negotiating the terms of Sanction • Structuring the proposal and preparing Information Memorandum, Financial model, CMA Data, Request Letters and other documents pertaining to the Proposal for submission to Banks / FIs • Prepare Loan Syndication/ documents as per RFP/RFQ and proposal documents • Loan Syndication. • Calculate the Interest Payment on fixed income securities • Obtaining sanction and handling post sanction formalities with the Clients and the Banks /FIs for documentation • Direct Liasoning With Bankers. • Co-ordinate with Local Custodians on confirmations, trade settlements and Funds Management • To get Overdraft facilities for working capital . • Maintain and prepare cash flows, monitor P&L impact of trades throughout the lifecycle • Build financial models for calculating cash flows for settlements • Provide ROI statement to clients on existing fund managed Show less