National Credit Manager -Secured & Unsecured Loans - NeoGrowth Credit Pvt Ltd
(2025-04)
Key responsibilities include setting up branches in Emerging locations and developing Credit infrastructure like Credit policy, Scorecard & credit appraisal process. Recruiting credit and technical team across India.
- Responsible for creation of Scorecards by analyzing bureau & existing customer database
- Forming Credit and collateral policy for Affordable segment
- Recruiting credit team across India. Directly managing team of 3 ZCM's & 4 RTM's (Regional technical Manager)
- Responsible for Turnaround time, Delinquency, Team building & People Management
- Portfolio Risk reviews for identification of high-risk reviews and suggest Suitable actionable to control the Risk. Maintaining quality portfolio
National Credit Manager -Mortgages (LAP) - Poonawalla Fincorp Ltd.
(2021-11 - 2025-03)
Key responsibilities include Policy formation, Credit appraisal, Portfolio Management & Team management for 40 PFL branches. Managing Co-lending business across India. Monitor and manage portfolio performance, stress testing, scenario analysis, and early warning indicators.
- Key member in forming the policy & process for launch of LAP product by mapping the competition
- Credit appraisal of LAP -Loan against Properties & Co-lending for pan India branches
- Directly managing team of 6 ZCM's & 10 RTM's (Regional technical Manager)
- Sanctioning Limits for Loan against properties – Rs 500 lacs
- Responsible for Turnaround time, Delinquency, Team building & People Management
- Portfolio Risk reviews for identification of high-risk reviews and suggest Suitable actionable to control the Risk. Maintaining quality portfolio
Zonal Credit Manager -Mortgages - Tata Capital Housing Finance Ltd. - Mumbai Zone
(2016-09 - 2021-11)
Key responsibilities include Credit appraisal, Portfolio management & Loan processing (Underwriting of LAP, Housing Loan & Affordable housing for Mumbai Zone. Mumbai Zone portfolio is one of the highest contributors to TCHFL portfolio. Managing portfolio of Rs 3000 Cr, with monthly disbursement of Rs 100 Crs. Implemented Centralized processing for Pan-India Salaried cases Upto Rs 1 Cr improving the TAT & rationalizing the credit Manpower.
- Credit appraisal of HL, AHL & LAP -Loan against Properties
- Directly managing team of 3 RCM's ,13 Credit managers & 10 CPC CM's
- Sanctioning Limits for HL & Loan against properties – Rs 250 lacs
- Responsible for Turnaround time, Delinquency, Team building & People Management
- Portfolio Risk reviews for identification of high-risk reviews and suggest Suitable actionable to control the Risk. Maintaining quality portfolio
- Managed Additional responsibility of starting centralized processing for salaried cases upto Rs 1 Cr. Processing 850 files from CPC with a team of 10 Credit Managers
Regional Credit Manager- Maharashtra & Chhattisgarh - Kotak Mahindra Bank (E-ING VYSYA BANK LTD) - Mumbai-Maharashtra & Chhattisgarh
(2008-11 - 2016-09)
Key responsibilities include Credit appraisal & Management of Loan processing (Underwriting of Home Loan, Loan Against Property) for Maharashtra & Chhattisgarh Region.
- Credit appraisal of Home Loans, Loan against properties
- Managing team of 7 members (9 credits Manager & 1 ACM.)
- Sanctioning Limits for Home loans & Loan against properties – Rs 150 lacs
- Managing Portfolio of Rs 2100 Cr for Maharashtra & Chhattisgarh
- Responsible for Turnaround time, Delinquency, Team building & retention of People & vendor management
- Portfolio Risk reviews for identification of high-risk reviews and suggest Suitable actionable to control the Risk. Maintaining quality portfolio
- Market visit of Builders & competitors for setting up a feedback system to improve the current product and processes
Area Credit Head-Mumbai (Small Business Banking) - Yes Bank LTD - Mumbai
(2007-02 - 2008-11)
Key responsibilities include Management of Loan processing (underwriting of Business Loan, Loan Against Property, Personal & Business loan and Yatch Finance). Member of policy team, responsible for framing a policy for PL, BL & Lap.
- Part of policy team launching policy for various products by mapping to market
- Credit appraisal of the small business banking proposals for working capital finance
- Underwriting of BL, LAP & PL. Sanction Limit of 50 lacs (LAP ) &10 lacs for BL & PL
- Managing a team of 7 CPA and 3 credit Manager
- Delinquency and non-starter analysis to identify trouble areas for sourcing
- Portfolio Risk reviews for identification of high-risk and suggest Suitable actionable to control the Risk
- Responsible for Turnaround time, Delinquency, Team building & retention of People
- Core team Member of CAS -(Loan processing Software) team, representing credit. Designing workflow for loan process, Mapping of existing Process (Existing Workflow, Application form) into CAS
- Process Mapping business requirements and coordinating in developing and Implementing into system
- Test checking (UAT) for all deviations and process
- All India training for implementation of CAS. Visited all Major locations across India for training and Implementation of CAS
Branch Credit Manager (Mortgages-Mumbai) - Centurion Bank Ltd - Mumbai
(2005-09 - 2007-02)
- Responsible for quality of Credit appraisal by sanctioning the case
- Sanctioning Limits for Home loans - 75 lac & LAP-50 lac
- Maintaining TAT for Sanctioning & Disbursement
- Managing Team of 1 credit manager ,2 credit officers & CPA team
- Portfolio Management - Identifying EWS
- Part of Development and Implementation of Loan processing software (LOS)
- Successfully Made LOS go live in Mumbai. Making Mumbai first location to be 100% on LOS
Senior officer - HDFC Ltd. - Nagpur
(2002-10 - 2005-09)
Joined as Management trainee and promoted as Senior officer in Operations/Credit.
- Credit Appraisal of customers whose leads are generated through Walk-in and DSA for Nagpur branch
- Counseling of walk-in customers, Analyzing customer requirements and then offering them guidance and solutions
- Handling and generating new business from Builders
- Monitoring follow-up of leads generated through Walk-ins and Builder databases
- Processing of housing loans applications, Maintaining TAT & quality of Portfolio
