Highlights:SERVED AS VICE PRESIDENT OF UNSECURED LOANS FOR 18 YEARS

Skills:QUANTITATIVE RISK, LOSS FORCASTING, STATISTICAL ANALYSIS, STRATEGIC VISION, RISK APPETITE, CUSTOMER BEHAVIOUR, RISK ANALYTICS, FINANCIAL SERVICES, STRESS TESTING, POLICIES AND PROCEDURES, CONTINUOUS MONITORING, SAMPLING, CROSS FUNCTIONAL PARTNERSHIPS, PRESENTATION SKILLS, RISK REPORTING, RISK MONITORING, MANAGER OF MANAGERS, DUE DILIGENCE, PROBLEM SOLVING, LEADERSHIP QUALITIES, TEAM LEADERSHIP, TEAM BUILDING, EFFICIENT TO PRIORITISE AND WORK UNDER PRESSURE, ANALYTICAL SKILLS, QUALITY CONTROL, MICROSOFT EXCEL, POWERPOINT, PORTFOLIO MANAGEMENT, RETAIL BANKING, CUSTOMER RELATIONSHIP MANAGEMENT, UNDERWRITING, CREDIT RISK MANAGEMENT, FINANCIAL ANALYSIS, COMMUNICATIONS, CRITICAL THINKING, ATTENTION TO DETAILS, ORGANISATIONAL SKILLS, VICE PRESIDENT CREDIT RISK MANAGEMENT, Unsecured loans VP, Unsecured loans VP, AVP UNSECURED LOANS

Goal:CREDIT RISK MANAGEMENT PORTFOLIO RISK MANAGEMENT LOSS FORCASTING

Honor:BEST PERFORMANCE OF THE YEAR 2015-16 HDFC BANK LTD., INDIA BEST PERFORMANCE OF THE YEAR 2022-2023 AXIS FINANCE LTD

ASSISTANT VICE PRESIDENT 9/2020 - current
AXIS FINANCE LITS, BANGALORE, KARNATAKA India
Industry: BANKING AND FINANCE
Skilled credit analyst and financial modeler with 3+ years' experience, excelling in loan underwriting and structuring. Adept at aligning work with strategic goals, maintaining portfolio analytics, and implementing robust risk management strategies. Demonstrated leadership in leading and developing credit-risk analyst teams. Proficient in project management, innovation, and system enhancements. Known for dynamic product policy formulation and championing digital risk underwriting for SME products. Ensure risk appetite framework development, regulatory compliance, and a risk-aware culture.
3+ years of experience in overseeing credit analysis and financial modeling , specializing in underwriting and structuring business loans, Mortgages, home loans abiding to the strategic directions of the company policy & team. Adept at maintaining high-quality portfolio analytics, strategic risk management, and loan recovery process . Led and developed a strong team of credit-risk analysts, handling complex and critical assignments Demonstrated proficiency in managing multiple cross-functional projects, through effective project management, including project planning, updating and tracking for multiple deliveries. Spearheaded initiatives for process innovation and system enhancement. In addition, responsible for formulating dynamic product policies tailored to specific geographic location for SME products and initiated a project to digitalize risk underwriting in the SME product segment. Monitoring the development of the risk appetite framework, collaborate with senior executives and the board to define it, to ensure regulatory compliance. Established a risk governance structure , monitor risk exposure, and produced reports , evaluated risks, aligned strategies with risk appetite, to foster a risk-aware culture. BEST PERFORMER OF THE year 2022-2023 BY AXIS FINANCE LTD.--
REGIONAL CREDIT MANAGER 05/2019 - 07/2020
INDIA BULLS, CHENNAI, TAMIL NADU India
Industry: NBFC
Managed a team consisting of 1 Assistant Credit Manager(ACM) and 6 Credit Managers(CMs), which includes conducting credit appraisals for unsecured business loans in the SME sector, overseeing channel and vendor management, maintaining portfolio quality, and coordinating with various department such as Sales and Operations for file processing, collections and other business -related operations. Additionally, maintaining a strong focus on maintaining high customer service standards.
Managed a team consisting of 1 Assistant Credit Manager(ACM) and 6 Credit Managers(CMs), which includes conducting credit appraisals for unsecured business loans in the SME sector, overseeing channel and vendor management, maintaining portfolio quality, and coordinating with various department such as Sales and Operations for file processing, collections and other business -related operations. Additionally, maintaining a strong focus on maintaining high customer service standards.--
VICE PRESIDENT SOUTH INDIA 09/1999 - 01/2018
HDFC BANK LTD, CHENNAI, TAMIL NADU India
Industry: BANKING AND FINANCE
Experienced credit underwriting manager with a strong track record in risk management, strategy development, and financial management. Led a large team, oversaw a $20B portfolio, and received recognition for team performance. Skilled in policy design, automation, and customer-centric solutions, fostering collaboration with stakeholders to align credit strategies with organizational goals and compliance standards.
18 years of experience in credit underwriting, notably excelling in strategy planning and development , portfolio risk management , Risk Appetite and Risk Analytics with proper financial management . As a Manager of Managers , my role involved overseeing a strong team of 125 Credit Risk Managers and 8 Area Credit Managers to provide guidance , set strategic goals and ensure the effective execution of departmental tasks , while managing a 20 billion portfolio with exceptional efficiency and risk control, which was a competitive advantage for the business growth.My focus is on aligning teams with the company’s objectives, enhancing team performance, talent development , promoting a culture of excellence and collaboration. RECIPIENT OF THE BEST PERFORMING TEAM AWARD BY HDFC BANK FOR THE YEAR 2015-2016 Trained my team on policy norm compliance, provided proper inputs to policy team for upgradation of policy. My commitment to performance analysis, process optimization , and talent development has consistently yielded impressive results. Got an opportunity to be a recognizable expert in policy design, leveraging geographic insights, market dynamics and automation. The extensive expertise in credit underwriting spans various retail asset loans, automation and digitization , enhancing operational efficiency Maintained continuous Problem solving and customer centric approach, to understand their needs and structure a proposal which fulfils both customer and organization policies. Had continuous interaction with my Seniors for Credit underwriting of files and proper management of sourcing. By understanding the business goals, collaborated with various stakeholders , including senior management, credit analysts, risk managers and other relevant team to gather their input and insights, to define a clear objective of credit underwriting and portfolio management., specifying the risk tolerance, target customer segments and expected portfolio performance. In order to define requirements of credit risk and portfolio risk management ensured the alignment of requirements with relevant regulations and compliance standards of the financial industry. Also specified the technology and systems needed to support credit underwriting and portfolio management.--

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