National Credit Manager | Vehicle & SME Finance
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Strategic Credit & Risk Management leader with 23+ years of experience in Vehicle and SME Credit Underwriting, Portfolio Risk, and Digital Credit Transformation. Currently serving as National Credit Manager, leading a ₹12,000+ Crore portfolio and a 223-member national credit organization. Proven record of scaling portfolio growth from ₹350 Crore to ₹12,000+ Crore while strengthening governance, underwriting controls, operational efficiency, and digital decisioning.
National Credit Manager at SK Finance Ltd. (2013-10 – Present)
Lead national credit operations for vehicle finance portfolio across India. Own underwriting governance, approval frameworks, policy formulation, portfolio monitoring, and risk controls. Lead and develop a 223-member national credit team across regions and states.
Drive digital transformation initiatives in underwriting, including BRE-based Straight Through Decisioning (STP). Collaborate with Business, Operations, Collections, Technology, and Leadership teams for scalable growth. Handled SME Credit Underwriting in FY 2016-17, encompassing financial statement analysis, credit risk assessment, and preparation of appraisal notes for evaluating borrower creditworthiness in line with internal policies.
Collection Manager at Citi Financial Consumer Finance India Ltd. (2003-02 – 2013-08)
Managed soft bucket collections for Jodhpur territory, supported portfolio quality, recovery effectiveness, and operational performance.
