Experience

BOB Financial Solutions Limited

• India
• Financial Services
• 300 - 400 Employee

• Chief Risk Officer

  • Jul 2020 - Present

  Mumbai, Maharashtra, India



Retra

• India
• Financial Services
• 1 - 100 Employee

• Chief Operating Officer

  • Feb 2019 - Jun 2020

  Mumbai Area, India



PaySense

• India
• Financial Services
• 100 - 200 Employee

• Vice President Credit Risk Policy

  • Apr 2017 - Jan 2019

  Mumbai, Maharashtra, India



IDFC FIRST Bank

• India
• Banking
• 700 & Above Employee

• Director Risk Policy Unsecured Loans and Cards

  • Apr 2015 - Apr 2017

  Mumbai, Maharashtra, India



Kotak Mahindra Bank

• India
• Banking
• 700 & Above Employee

• Vice President, Risk Policy - Cards and Salaried Personal Loans

  • Apr 2011 - Apr 2015

  Responsible for the design, development and system implementation of risk strategies for credit card and salaried personal loan portfolios, allowing balance/account growth whilst mitigating risk and losses.

• Vice President- Collections

  • Apr 2008 - Mar 2011

  I work with Kotak Mahindra Bank in the collections function of the credit cards division. My responsibilities include managing the outbound collections contact center for cards, delivering best possible flow forward rates while optimizing on costs and money collected. Apart from financial deliverables, people management and vendor management are extremely critical for managing this role. In an earlier role, I have managed the collections strategy, MIS and process… Show more I work with Kotak Mahindra Bank in the collections function of the credit cards division. My responsibilities include managing the outbound collections contact center for cards, delivering best possible flow forward rates while optimizing on costs and money collected. Apart from financial deliverables, people management and vendor management are extremely critical for managing this role. In an earlier role, I have managed the collections strategy, MIS and process management for Kotak Cards division since the launch phase. This involved hiring personnel, vendors, designing of agency payouts and optimizing them, budgeting exercises, checking robustness of various repayment systems, performance management of staff, incentive design for staff as well as vendors etc.



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Vice President - Collections

  • Apr 2004 - Mar 2008

  I was responsible for managing the outbound collections contact center working on predictive dialer for the credit cards and retail assets portfolio for HSBC. The total team strength was 320+, with key responsibilities being to deliver the early bucket resolution rates as per plan, people and vendor management, attrition management and cost optimization. In an earlier role with the bank, I was involved in the collections strategy, process management and MIS/analytics for cards, retail… Show more I was responsible for managing the outbound collections contact center working on predictive dialer for the credit cards and retail assets portfolio for HSBC. The total team strength was 320+, with key responsibilities being to deliver the early bucket resolution rates as per plan, people and vendor management, attrition management and cost optimization. In an earlier role with the bank, I was involved in the collections strategy, process management and MIS/analytics for cards, retail assets and mortgages. The key deliverables in this role were performance management and incentive/payout design, liaisioning with Credit Risk for the quality of acquisition, annual planning and budgeting exercises, periodic audits, running collections champion challengers for optimizing collections strategies, documentation of collections manuals for training, ensuring compliance with local authorities and RBI code of conduct for recovery agents etc. Show less



SBI Card

• India
• Financial Services
• 700 & Above Employee

• Senior Manager

  • 2003 - 2004