Experience

SMC Finance (Moneywise Financial Services Pvt Ltd)

• India
• Financial Services
• 100 - 200 Employee

• Vice President Credit

  • Feb 2020 - Present

  Specialized in Risk Policy / Compliance / Onward lending / Process Management/Operation Management / Underwriting/Mortgage Lending / SME lending/ Unsecured/ NBFC Lending/ Direct Assignment/ Securitisation and Team Management Specialized in Risk Policy / Compliance / Onward lending / Process Management/Operation Management / Underwriting/Mortgage Lending / SME lending/ Unsecured/ NBFC Lending/ Direct Assignment/ Securitisation and Team Management



Easy Home Finance Limited

• India
• Banking
• 200 - 300 Employee

• DVP Credit

  • Sep 2018 - Feb 2020



Consultant in NBFC and HFC

• Mumbai Area, India

• Specialist in Underwriting, Risk and Product Policy, Audit, System Configuration

  • Nov 2017 - Aug 2018

  Client- Roha Housing Finance Pvt Limited November,2017 Scope of work: Conducting assessment in accordance with Credit Policy. Maintaining quality of credit information and presentation Credit appraisal, and understanding of viability of the proposal. Product policy guidelines for core product HomeLoan, LAP loans for individual/ self employed Finalized the Application form, Loan agreements, Security Documents and various CAM formats with Scoring model based on six parameter namely Demographic, Bureau , Financial, Banking, Loan Structure and Collateral used for Home / Mortgage finance. Develop the score based underwriting tool based on Demographic, Bureau , Financial, Banking, Loan Structure and Collateral Implementation of Finnone Neo application for all products in co-ordination with NSEL, raising BRD, designing various formats, underwriting question. Configuration of Masters, Rules etc Research on industry, competition analysis, new business models Drive business in all the states by handholding the field team and working in tandem with them to market, sell and support the product Train resources to ensure that business grows with a robust compliance and process framework in place. Develop MIS report on business and financial divisions Vendor management which included identifying, shortlisting and empanelment of various vendor like Valuer, legal, centralized post disbursal Audit, Implementation of Fino Application for Bulk and Single Bank account verification before underwriting. Managing all 4 Credit bureaus (Trans Union Cibil, Experian, Crif High Mark and Equifax) for new registration, user ID creation and data sharing on monthly basis. Managing Cersai registration for the company and data reporting on regular basis. Managing Custodian involving negotiation of rates and finalization of agreement, review of facility for quality and others security aspect. Show less



Volition Credit & Holdings Pvt Ltd (Now Ambit Finserve Pvt Ltd.)

• Mumbai

• AVP-Product & Risk Policy

  • Apr 2016 - Nov 2017

  Laid the Product policy guidelines for core product Udyam Loan (Unsecured Loan), Vyapar loan (Secured Loans), Working Capital Demand Term Loans, Inventory Funding, LAP loans, PL loan and others Finalized the Appln form, Loan agreements, Security Documents and various CAM formats used for Parameter based product and structured finance. Implementation of Myfin Application for all products, raising BRD, designing various formats, designing underwriting question. Research on industry, competition analysis, new business models Increase visibility of the product among prospective customer base. Customize the offering vis--vis need of the customers and competition. Develop MIS report on business and financial divisions Vendor management which included identifying, shortlisting and empanelment of various vendor like Valuer, legal, centralized post disbursal Audit, Preparation and appraisal of proposal for strategic tie up for Onward Lending, Co-lending & term Loan like lendingkart Technologies, Varam Finance, Pods Finserve Pvt Ltd, and Up Money Ltd and monitoring the account for limit, FLDG and Lending Partner Alliance. Managing all 4 Credit bureaus (Trans Union Cibil, Experian, Crif High Mark and Equifax), Cersai for new registration, user ID creation and data sharing on monthly basis. Managing Custodian involving negotiation of rates and finalization of agreement, review of facility for quality and others security aspect. Review of various database including EWS data for monitoring the portfolio and delinquency trends. responsibility to ensure sound portfolio, follow up over dues and NCL buckets centrally. Contain/Monitors vitals like overdues etc. Responsible for health of portfolio, conduct of account and manage early warning signals to avoid NPA slippages Centralized Audit management of various credit process, sales process and My-fin applications Show less



HDFC Bank

• India
• Banking
• 700 & Above Employee

• Credit Manager

  • Apr 2012 - Mar 2016

  Started in 2012 in HDFC with Wholesale credit & Risk team Underwriting EEG, BBG, SAB, ABC later moved to Business banking Mortgage in 2014 Job Description: Ensuring completion of file with all documents required as per policy, prior to Credit Logins, Conducting assessment in accordance with Credit Policy. Maintaining quality of credit information and presentation Credit appraisal, and understanding of viability of the proposal Prepare comprehensive and clearly written business credit proposal for credit approval on a timely basis. Evaluate risks based on in-depth analysis of financial data with use of Crisil –RAM Rating software and internal Rating formats and thorough understanding of business cycle, Management, industry and other parameters Interface with other operational units within Operations, EWS, Legal, Valuation Agency, Branch Vendor Management, training & monthly meeting with vendors of CPA agency, valuer and Lawyers Portfolio Management- Monitoring the DOD accounts for churn level, utilization, interest servicing and explore for additional funding prospects and other aspect.. Review of accounts on annual basis for renewal of the facility Follow up with business and visit to customers to understand the root cause of delinquency, resolution for the same and if required exiting the relationship by converting the same to dod Show less



DCB Bank

• India
• Banking
• 700 & Above Employee

• Credit Manager-SME/MSME

  • Sep 2006 - Mar 2012

  Credit Manager (MSME & Community relation) MSME Credit Underwriting & Process Management: Job Description: Financial analysis, credit appraisal, and understanding of viability of the fund based and Non fund proposal. Conducting credit check of the promoters and the company and conduct informal due diligence Evaluate risks based on in-depth analysis of complex financial data with use of Crisil –RAM Rating software and internal Rating formats and thorough understanding of customer’s industry, business cycles, end use and other relevant factors. Adherence to various internal and external policy guidelines impacting credit delivery Prepare comprehensive and clearly written business credit proposal for credit approval on a timely basis. Documentation and compliance with legal formalities post sanction and getting the same disbursed Interface with other operational units within Credit Admin Department, EWS, CRAM, Legal, Valuation Agency, Service Delivery and Product Partners. Joined DCB retail asset credit unit in Sept’06 and had last served the organisation in the capacity of Area Credit Mgr, LAP , Business Loans & Personal Loan (Functional Role) with underwriting limit of 25 lac for the period between Sept’06 to June’08.The key responsibility as below. Handling 2 Locations in Mumbai with 7 Credit officers and 2 CPA team. Underwriting /Credit Appraisal of self employed and salaried case Analysis of P&L account, Balance Sheet and Ratio Analysis to understand the trend of business and credibility of the customers. Buyout/Securitization: Buyout of Portfolio ensuring KYC checks, Securitization Deals - Due Diligence, ensure process checks, understand their system & procedures, support the team of credit officers involved in due diligence, apply internal Credit filters to each contract in the pool file and Identify exceptions for taking Risk based approvals Cost Analysis, Cost Control measures to reduce processing per sanction and disbursal file. Show less



Bajaj Allianz Life

• India
• Insurance
• 700 & Above Employee

• Hub Sales Manager

  • Dec 2005 - Sep 2006

  Job description: Actively involved in Recruitment & Selection, Training & Development, Administrative Activities and MIS including operations at Virar branch & generating life insurance business. Job description: Actively involved in Recruitment & Selection, Training & Development, Administrative Activities and MIS including operations at Virar branch & generating life insurance business.



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Home Loan Officer-Credit

  • Mar 2004 - Dec 2005

  Job Description: Actively involved in credit processing of application for mortgage loan and home loan. Processing of loan application as per product parameter and policy norms. Ensure KYC documents and generating internal dedupe, external dedupe , cibil/satyam report, verification report (Resi & Office), FI report (ITR, BSV, Pay Slip), Valuation and legal report from authorised agency. Computation and evaluation of loan eligibility as per the banks Credit Policies. Analysis of Balance Sheet and P & L Account using financial ratio. Personal discussion with customers along with reference check Preparation of credit approval memo for approval and deviation sought. Preparation of disbursal memo based and ensure pre disbursal title documents as per terms of sanction Tracking of Post disbursal documents and triggers set. Training team member’s on salaried/self employed underwriting on regular basis. Meeting vendors of CPV agencies, Valuer, Lawyer on monthly basis for training and other issues. Show less



Shelters (An associate of Citi Bank)

• Mumbai Area, India

• Credit Officer

  • Sep 2002 - Mar 2004

  Job description: Actively involved in processing of application for mortgage loans and MEOD limit. Computation and evaluation of loan eligibility as per the Citibank Credit Policies. Financial analysis of Balance Sheet and P & L Account. Ensuring adherence to Bank norms, Policies, Documentation compliance thereof. MIS reporting. Self-assessment audit and analysis of inherent risk in Mortgage business and various controls in place to mitigate the risk. Rate Pegging exercise. Tracking project to determine the status of projects. IT Skill Working knowledge of MS Office (Word/ Excel/Power point), Finacle, Finnone, Loan Management System (LMS), lotus Notes, People wise & Internet Major Accomplishments: Participated actively for implementation of Loan originating system (LOS), Finnone. Part of Annual Risk Review team, a biannual review of the complete mortgage process followed by the unit. Received top gun award for valuable contribution to credit mortgage unit for Instrumental in implementation of REFES system to process mortgage loan application and track status of application. Show less