Consultant – Lending Solutions - MK Financial Advisors - Pune, India
(2023-05)
- Structure and advise on SME and business loans, Loan Against Property (LAP), and Lease Rental Discounting (LRD) proposals, delivering tailored lending solutions that optimize financing terms and risk-adjusted returns for clients.
- Manage end-to-end co-ordination with financial institutions for SME borrowers, including client onboarding, collateral evaluation, and credit approval processes, reducing turnaround time.
- Cultivate long-term relationships with SME clients through proactive portfolio management and consultative advisory, driving repeat business and referral growth of more than 30% year-over-year.
Senior Manager – Construction Finance (SME Lending) - HDFC Ltd - Pune, India
(2021-03 - 2023-04)
- Led origination and structuring of construction finance transactions for SME developers, aligning loan terms with project cash flows, collateral structures, and institutional credit risk management frameworks.
- Executed comprehensive credit underwriting and financial analysis, including cash flow modeling, sensitivity analysis, and risk assessment of developers and projects.
Branch Manager – Home Loans (Retail Banking) - HDFC Ltd - Pune, India
(2019-03 - 2021-03)
- Led end-to-end management of a retail home loan book, ensuring robust credit underwriting, disciplined risk assessment, and sustainable portfolio growth.
- Enhanced regulatory compliance and operational controls within the branch by tightening process checks, documentation standards, and audit readiness, lowering exposure to compliance and operational risk.
- Leveraged MIS reporting & data analytics on delinquencies, loan performance, and portfolio segmentation to refine lending solutions.
Manager – Business Development, NRP & LAP Vertical - HDFC Ltd - Pune, India
(2017-08 - 2019-03)
- Drove 50% growth in LAP, LRD, and commercial lending assets by identifying, sourcing, and structuring high-yield transactions that met credit underwriting guidelines, risk assessment parameters, and portfolio return benchmarks.
- Executed comprehensive financial analysis and credit risk evaluation for NRP and LAP customers, designing tailored lending solutions.
- Partnered with cross-functional credit and operations teams, improving process efficiency.
Deputy Manager – Credit (Functional Lead) - HDFC Ltd - Pune, India
(2014-04 - 2017-08)
- Led a team of appraisers in end-to-end credit underwriting for a retail loan portfolio of approximately Rs. 4,500 crores on a yearly basis, aligning decisions with credit risk management policies, risk appetite, and portfolio management objectives to maintain sound asset quality.
- Performed detailed financial analysis and risk assessment on complex and escalated proposals, integrating quantitative metrics and qualitative judgment to enhance credit decisioning, reduce approval errors, and optimize lending solutions.
Assistant Manager – Credit - HDFC Ltd - Pune, India
(2010-02 - 2014-04)
- Led full-cycle credit underwriting for Home Loans and Loan Against Property (LAP), for an annual disbursement of approximately Rs. 900 crores, applying credit risk assessment to determine borrower eligibility and mitigate portfolio risk.
- Developed credit decisions and portfolio trends, enhancing stakeholder visibility, supporting data-driven credit risk management, and streamlining processes.
Credit Analyst – Medium Enterprises - Standard Chartered Bank - Jaipur, India
(2009-02 - 2010-02)
- Assessed medium-enterprise borrowers for working capital requirements, structuring OD, LC, and customized credit solutions aligned with risk appetite and bank lending policies to optimize capital allocation.
- Analyzed financial statements, key ratios, and balance sheets to produce high-quality credit underwriting memos, improving credit risk assessment and supporting consistent, data-driven lending decisions.
Credit Manager – Personal Loans - Standard Chartered Bank - Bengaluru, India
(2007-11 - 2009-02)
- Evaluated personal loan proposals for individual and corporate borrowers, applying rigorous credit underwriting standards.
- Strengthened credit risk management by enhancing CIBIL and de-duplication matching processes, reducing approval errors and improving risk filtering effectiveness across personal loan portfolios.
- Monitored third-party vendor performance against defined SLAs, turnaround times (TAT), and quality benchmarks.
Personal Financial Consultant - Reliance Life Insurance Co Ltd - Pune, India
(2007-05 - 2007-11)
- Designed and implemented distribution strategies for third-party distribution (TPD) channels with Reliance Money distributors, expanding market reach and improving sales efficiency.
- Implemented targeted marketing campaigns and consultative sales approaches to position life insurance and investment solutions for diverse retail clients based on their financial goals.
- Tracked key performance indicators (KPIs) for channel sales, lead conversion, and policy issuance to measure progress against sales targets and refine go-to-market strategies.
