Experience

CoinTribe Technologies

• India
• Financial Services
• 1 - 100 Employee

• Chief Operating Officer

  • Feb 2020 - Present

  CoinTribe provides quick and easy collateral-free loans to MSMEs as well as individuals. CoinTribe enables borrower acquisition, providing inputs for risk assessment, transaction fulfilment, repayment management and borrower servicing. CoinTribe provides quick and easy collateral-free loans to MSMEs as well as individuals. CoinTribe enables borrower acquisition, providing inputs for risk assessment, transaction fulfilment, repayment management and borrower servicing.



LIVFIN

• India
• Financial Services
• 1 - 100 Employee

• Director & CRO

  • Oct 2017 - Jan 2020

  LivFin is a tech enabled Supply Chain Financed Focused NBFC, offering fast paced credit for to the MSME segment in India. It provides tailor-made financing solutions to the value chain of an Anchor (Mid-sized corporate) by offering un-secured loan to its distributors and Suppliers. Consumer and Commercial Risk Management , Risk Technology / Decision systems / Rating models integration and management , Operational Risk Management , Regulatory compliance implementation and oversight… Show more LivFin is a tech enabled Supply Chain Financed Focused NBFC, offering fast paced credit for to the MSME segment in India. It provides tailor-made financing solutions to the value chain of an Anchor (Mid-sized corporate) by offering un-secured loan to its distributors and Suppliers. Consumer and Commercial Risk Management , Risk Technology / Decision systems / Rating models integration and management , Operational Risk Management , Regulatory compliance implementation and oversight, Building risk culture and capacity. Show less LivFin is a tech enabled Supply Chain Financed Focused NBFC, offering fast paced credit for to the MSME segment in India. It provides tailor-made financing solutions to the value chain of an Anchor (Mid-sized corporate) by offering un-secured loan to its distributors and Suppliers. Consumer and Commercial Risk Management , Risk Technology / Decision systems / Rating models integration and management , Operational Risk Management , Regulatory compliance implementation and oversight… Show more LivFin is a tech enabled Supply Chain Financed Focused NBFC, offering fast paced credit for to the MSME segment in India. It provides tailor-made financing solutions to the value chain of an Anchor (Mid-sized corporate) by offering un-secured loan to its distributors and Suppliers. Consumer and Commercial Risk Management , Risk Technology / Decision systems / Rating models integration and management , Operational Risk Management , Regulatory compliance implementation and oversight, Building risk culture and capacity. Show less



Poonawalla Fincorp

• India
• Financial Services
• 700 & Above Employee

• Product & Risk Head - SME

  • Nov 2016 - Oct 2017

  Credit Risk, Operational Risk, Internal Audit, Fraud Strategy, Business Support & Recoveries, Portfolio Risk Management & Control, Credit Administration & Documentation, Product Development, Policy formulation and process reengineering. Portfolio management & controls using tools like Qlikview, Tableau, Alteryx etc. Credit Risk, Operational Risk, Internal Audit, Fraud Strategy, Business Support & Recoveries, Portfolio Risk Management & Control, Credit Administration & Documentation, Product Development, Policy formulation and process reengineering. Portfolio management & controls using tools like Qlikview, Tableau, Alteryx etc.



CRISIL Limited

• India
• Financial Services
• 700 & Above Employee

• Research & training consultant

  • Jun 2015 - Nov 2016

  CRISIL empaneled consultant for training & research assignments. Imparted trainings on various credit subjects like CAM writing, Conducting PD, Early Warning signals, Reading Balance sheet, Risk Management etc across the Country to large Credit and Sales teams of many PSU & private banks and NBFC's. CRISIL empaneled consultant for training & research assignments. Imparted trainings on various credit subjects like CAM writing, Conducting PD, Early Warning signals, Reading Balance sheet, Risk Management etc across the Country to large Credit and Sales teams of many PSU & private banks and NBFC's.



ZoukLoans

• Financial Services
• 1 - 100 Employee

• Founding member

  • Nov 2014 - Sep 2016

  Established Zoukloans.com as a SME debt marketplace platform with a vision to extensively serve SME customers for all of their debt & working capital requirements. Partnered with 50+ banks and NBFC's to deliver to customers. Successfully created complete digital underwriting model with credit policies integrated. Established Zoukloans.com as a SME debt marketplace platform with a vision to extensively serve SME customers for all of their debt & working capital requirements. Partnered with 50+ banks and NBFC's to deliver to customers. Successfully created complete digital underwriting model with credit policies integrated.



Intec Capital Limited

• India
• Financial Services
• 100 - 200 Employee

• Head - Credit & Risk

  • Nov 2010 - Oct 2014

  Was part of team which formulated and executed business strategies for Equipment finance. Member of key decision making committees of the company including the Governing Council, Risk Management Committee, ALCO. Augmented the team in both headcount and skills to handle a fast growing portfolio from 300 Cr to 2400 Cr in 3 years. The portfolio has held up well on all Key Performance Indicators (KPI). Was part of team which formulated and executed business strategies for Equipment finance. Member of key decision making committees of the company including the Governing Council, Risk Management Committee, ALCO. Augmented the team in both headcount and skills to handle a fast growing portfolio from 300 Cr to 2400 Cr in 3 years. The portfolio has held up well on all Key Performance Indicators (KPI).



Religare

• India
• Financial Services
• 700 & Above Employee

• Regional Credit Manager - SME Loans

  • Nov 2008 - Dec 2010

  - Credit appraisal, Delinquency analysis, Audits, Compliance, Security creation, Policy and product formulation. - Sanction and disbursement of Business loans, equipment financing & Mortgage loans. - Appraisals of proposals for SME financing and structured finance options for MSME, SME segment. - Fraud reporting and investigation handling. Managing internal audit, quality audit, compliance & Management information systems. - Implementation of new systems and transition process… Show more - Credit appraisal, Delinquency analysis, Audits, Compliance, Security creation, Policy and product formulation. - Sanction and disbursement of Business loans, equipment financing & Mortgage loans. - Appraisals of proposals for SME financing and structured finance options for MSME, SME segment. - Fraud reporting and investigation handling. Managing internal audit, quality audit, compliance & Management information systems. - Implementation of new systems and transition process handling, testing. - Handling a large team for Credit processing and Legal and Technical teams ensuring timely appraisal. Show less - Credit appraisal, Delinquency analysis, Audits, Compliance, Security creation, Policy and product formulation. - Sanction and disbursement of Business loans, equipment financing & Mortgage loans. - Appraisals of proposals for SME financing and structured finance options for MSME, SME segment. - Fraud reporting and investigation handling. Managing internal audit, quality audit, compliance & Management information systems. - Implementation of new systems and transition process… Show more - Credit appraisal, Delinquency analysis, Audits, Compliance, Security creation, Policy and product formulation. - Sanction and disbursement of Business loans, equipment financing & Mortgage loans. - Appraisals of proposals for SME financing and structured finance options for MSME, SME segment. - Fraud reporting and investigation handling. Managing internal audit, quality audit, compliance & Management information systems. - Implementation of new systems and transition process handling, testing. - Handling a large team for Credit processing and Legal and Technical teams ensuring timely appraisal. Show less



YES BANK

• India
• Banking
• 700 & Above Employee

• Area Credit Head

  • Oct 2005 - Nov 2008

  Business Banking - Responsibilities: Credit appraisal, Delinquency analysis, Fraud prevention and control, Process audits, Compliance, Security creation, Policy and product formulation. - Processing & monitoring working capital (fund based & Non fund based), Business Loans, Personal Loans and Mortgage loans - Managing routine requirements of clients with respect to Trade finance. - Launched retail assets product in Delhi market and managed all pre-formation activities. - Handled… Show more Business Banking - Responsibilities: Credit appraisal, Delinquency analysis, Fraud prevention and control, Process audits, Compliance, Security creation, Policy and product formulation. - Processing & monitoring working capital (fund based & Non fund based), Business Loans, Personal Loans and Mortgage loans - Managing routine requirements of clients with respect to Trade finance. - Launched retail assets product in Delhi market and managed all pre-formation activities. - Handled Sox audit in consultation with Risk and policy head for the retail asset operations. - Spearheaded successful implementation of LOS (database management system) in retail assets. Formulated Policy, Processes & MIS reporting & procedures for secured and unsecured business loans. Formulated complete credit and operating manual for lending business. - Vendor management - Managed all agencies like Legal, Technical, credit processing, fraud control and document verification agencies. Show less Business Banking - Responsibilities: Credit appraisal, Delinquency analysis, Fraud prevention and control, Process audits, Compliance, Security creation, Policy and product formulation. - Processing & monitoring working capital (fund based & Non fund based), Business Loans, Personal Loans and Mortgage loans - Managing routine requirements of clients with respect to Trade finance. - Launched retail assets product in Delhi market and managed all pre-formation activities. - Handled… Show more Business Banking - Responsibilities: Credit appraisal, Delinquency analysis, Fraud prevention and control, Process audits, Compliance, Security creation, Policy and product formulation. - Processing & monitoring working capital (fund based & Non fund based), Business Loans, Personal Loans and Mortgage loans - Managing routine requirements of clients with respect to Trade finance. - Launched retail assets product in Delhi market and managed all pre-formation activities. - Handled Sox audit in consultation with Risk and policy head for the retail asset operations. - Spearheaded successful implementation of LOS (database management system) in retail assets. Formulated Policy, Processes & MIS reporting & procedures for secured and unsecured business loans. Formulated complete credit and operating manual for lending business. - Vendor management - Managed all agencies like Legal, Technical, credit processing, fraud control and document verification agencies. Show less



ICICI Bank

• India
• Banking
• 700 & Above Employee

• Branch Credit Manager

  • May 2001 - Oct 2005

  - Managed a large portfolio of around INR 300 million per month in terms of sanction and disbursement. - Continuous analysis of risks involved with respect to the profiles and products thereby enumerating the safeguards. - Work with collections team for ensuring that delinquency is kept at its minimum and keeping active involvement in delinquency management. - Managing all outsourced agencies (Legal & Technical) towards ensuring proper mortgage creation and safeguarding bank's interest… Show more - Managed a large portfolio of around INR 300 million per month in terms of sanction and disbursement. - Continuous analysis of risks involved with respect to the profiles and products thereby enumerating the safeguards. - Work with collections team for ensuring that delinquency is kept at its minimum and keeping active involvement in delinquency management. - Managing all outsourced agencies (Legal & Technical) towards ensuring proper mortgage creation and safeguarding bank's interest by keeping a check on any misreporting through cross audits. - Ensuring adherence towards achieving Six Sigma level in credit operations. Show less - Managed a large portfolio of around INR 300 million per month in terms of sanction and disbursement. - Continuous analysis of risks involved with respect to the profiles and products thereby enumerating the safeguards. - Work with collections team for ensuring that delinquency is kept at its minimum and keeping active involvement in delinquency management. - Managing all outsourced agencies (Legal & Technical) towards ensuring proper mortgage creation and safeguarding bank's interest… Show more - Managed a large portfolio of around INR 300 million per month in terms of sanction and disbursement. - Continuous analysis of risks involved with respect to the profiles and products thereby enumerating the safeguards. - Work with collections team for ensuring that delinquency is kept at its minimum and keeping active involvement in delinquency management. - Managing all outsourced agencies (Legal & Technical) towards ensuring proper mortgage creation and safeguarding bank's interest by keeping a check on any misreporting through cross audits. - Ensuring adherence towards achieving Six Sigma level in credit operations. Show less



Cottage Industries Exposition Ltd

• New Delhi Area, India

• Manager - Corporate Affairs

  • Jun 1999 - Apr 2001

  - Finalisation of annual accounts in co-ordination with statutory auditors for wholly owned subsidiaries in USA, India, Indonesia, UK, South Africa and U.A.E. & Internal Audit of Branches coupled with Stock Verification. - Manage working capital finance from banks in India; processing fund management for all subsidiaries and financial forecasting budgeting & Raising money through ECB route for the company. - Handle all company law matters. Compliance with tax laws. - Handle Letters of… Show more - Finalisation of annual accounts in co-ordination with statutory auditors for wholly owned subsidiaries in USA, India, Indonesia, UK, South Africa and U.A.E. & Internal Audit of Branches coupled with Stock Verification. - Manage working capital finance from banks in India; processing fund management for all subsidiaries and financial forecasting budgeting & Raising money through ECB route for the company. - Handle all company law matters. Compliance with tax laws. - Handle Letters of credit and their negotiation with the Banks, Documentation for Import and Export and for Foreign Remittances, Dealing with Customs House Agents. Show less - Finalisation of annual accounts in co-ordination with statutory auditors for wholly owned subsidiaries in USA, India, Indonesia, UK, South Africa and U.A.E. & Internal Audit of Branches coupled with Stock Verification. - Manage working capital finance from banks in India; processing fund management for all subsidiaries and financial forecasting budgeting & Raising money through ECB route for the company. - Handle all company law matters. Compliance with tax laws. - Handle Letters of… Show more - Finalisation of annual accounts in co-ordination with statutory auditors for wholly owned subsidiaries in USA, India, Indonesia, UK, South Africa and U.A.E. & Internal Audit of Branches coupled with Stock Verification. - Manage working capital finance from banks in India; processing fund management for all subsidiaries and financial forecasting budgeting & Raising money through ECB route for the company. - Handle all company law matters. Compliance with tax laws. - Handle Letters of credit and their negotiation with the Banks, Documentation for Import and Export and for Foreign Remittances, Dealing with Customs House Agents. Show less