Shiv Soni

Accomplished professional with extensive experience exceeding twenty-four years in credit underwriting, credit administration, operational excellence, customer service, risk and collection intelligence, wholesale business management, retail asset management, rural finance, co-lending, digital lending, information technology, digital transformation, project management, unsecured lending, and serving as a strategic facilitator for startups facing unique challenges in banking and financial services. Dynamic leader with a strong foundation in Risk Management and Team Leadership. Drives cross-functional collaboration to enhance operational processes and ensure regulatory compliance.

Committed to leveraging analytics for performance tracking and strategic decision-making, fostering a culture of continuous improvement.

Chief General Manager – Head Operations, Digital Transformation, Risk & Collections and Information & Technology (Wholesale, SME and Retail) - ESCORTS KUBOTA FINANCE LIMITED

(2024-06)

• Operational Excellence & Process Improvement: Developing and optimizing operational workflows, reducing turnaround times (TAT), and implementing technology-driven processes (e.g., loan management systems like FinnOne, IBPS). SOP Formulation, Process Efficiency Drives, Dispute Resolution, Compliance & Risk Management (Ensuring adherence to RBI regulations with respect to KYC, PMLA, UN-Sanctions, Internal credit policies, and legal documentation), Performance Reporting & Analysis (KPI's), Asset Li
• Team Leadership & Stakeholder Management, Performance Tracking, Cross-Functional Collaboration, Analytical Skills, Regulatory Knowledge
• Digital Transformation & IT Operations, Platform Optimization, System Uptime, Tech Integration (E-NACH, CKYCRR, Vahan, OCR, DLT, Oracle ERP), Vendor Management, Scrum Master, BRD, SRS, FSD, Prototype, UAT, Pre-Prod, Gantt Chart, WBS, Agile & waterfall approaches, VAPT, DR, BCP, SDLC, Score card.
• Strategic Risk and Collection Management & Recovery: Design and implement comprehensive collection strategies for various loan products (secured/unsecured) across all buckets (early, hard, write-offs), Target Achievement, Portfolio Analysis (Analyse delinquency patterns, aging trends, and payment behaviours to optimize recovery rates.) Legal & Compliance. The primary objective is to drive end-to-end collection efficiency, maximizing recovery rates while reducing delinquency through AI-driven, di

Associate Vice President- Whole Sale Business, Retail Asset Operations, Risk & Collection, Credit Administration - AUTOTRAC Finance Limited

(2019-02 - 2024-06)

• Facilitate the creation and regular updating of well-defined credit policies and procedures aimed at risk management.
• Identify critical risk areas, generate ideas, and develop a comprehensive risk framework, including risk policies, limits, and monitoring systems with Early Warning Indicators to mitigate delinquency on metrics such as Forward flow rates, 30 plus, and 90 plus.
• Lead the Wholesale business (Dealer Cash Flow Management) and the Direct Marketing Hub (Telesales – Collection & Cross Sales)
• Ensure the effective segmentation of the portfolio to enhance collection efforts
• Mentor the Credit Operations team to ensure the efficient execution of policies, define process protocols, and establish governance routines to manage the team's intricate processes and reporting
• Collaborate with the cross function to comprehend its requirements and propose modifications to policies and processes that support organizational objectives.
• Accountable for maintaining the overall quality of the lending portfolio by planning and overseeing aspects of Credit and Operational Risk
• Engage in the implementation of a compliance framework that adheres to both statutory regulations and RBI guidelines
• Developed and continuously mentor KPIs for the purpose of performance and quality assessment.
• Possess diverse knowledge in Payments, Reconciliation, Loan Origination System (LOS), Loan Management System (LMS), Legal Liaison (including Police, Advocates, Courts), and Asset Repossession and Sale with Repo Loss under 20% (POS and TOS LOSS)
• Spearheading Co-lending, Project management, API integration for BRD, scorecard development, vendor liaison, and managing RFI, RFP, RFQ processes, etc.

Deputy Vice President & Head – Credit, Operations, Project Management - NCML Finance Private Limited (Captive Unit of International Tractors Limited)

(2015-12 - 2019-01)

• Credit Management (Five C's): Design, formulate & evolving credit policy with overall responsibility for the credit management function and overseeing the underwriting and credit control for programmed products.
• Strategic direction to the business's overall credit risk program by data driven analysis of portfolio to increase overall business performance.
• Quality & uniform credit appraisal (Salaried Individuals, SEP, SNEP, Corporates), ensuring laid down credit process are followed and policy Norms are implemented religiously Pan India.
• Effective PD with proposed borrowers to understand the business, accounted and unaccounted cash flows, purpose and future plans etc.
• Empanelment of Agencies (Technical/Legal/FCU-RCU, Field Investigations etc) & tracking performance through System Intelligence.
• Ensuring, Gauging and Monitoring Credit portfolio through robust EWI, Delinquency Management (NPA Reduction, 0-90 Plus DPD collections), Setting Collection Strategy on monthly basis with periodic review.
• Facilitation in developing new products Policy through continuous market intelligence & Customer Feedback, strengthening processes to support the Strategic objective of the organization and Seamless Integration of entire lending process into the inimitable technology platform.
• Asset Operations Management: Design, formulate & Implement Standard Operating Process for Retail Asset Operations & Quality Assurance with effective modulation of turnaround time (TAT).
• End-to-end set up of Operational processes, Managing Loan Lifecycle (Retail Asset, STLOC & Corporate Account) & work flow designing with niche to have customer delight & unmatched customer experience.
• Onboarding Customer, Preliminary Health Check, timely disbursement of Retail Asset Loan Products.
• Repayment Management (NACH, PDC), MIS (Billing V Presentation, Banking & Reconciliation (CMS Arrangement and Collection Monitoring to have effective DPD Dashboard)
• Post Disbursal Document Management (PDD), Data Maintenance, Record Management, Vendor Management etc.
• Strong ability to rapidly navigate emerging challenges in re-engineering the centralized processing unit encompassing process and risk mapping with the front-end operations.
• Steering efforts towards Measure & Monitoring adherence to TAT for define Processes, SLA, and Process Management & Review with commitment to excellence and collaboration with senior leadership.
• Change Management by Introducing Service Request Tracking Management, Disbursement Tracking System, Customer Relationship Management and Traces Management Software (Recon TDS V 26AS).
• Ensuring satisfactory audit report for the functions, Mentoring key personnel's, Resource planning & Management with strong sense of accountability and decisiveness in a strong work ethic culture.
• Formulating and adhering to internal benchmarks Like TAT, RBI guidelines and Guidelines specific to NBFC.
• Project Management: Information & Technology (Fintech- Machine learning model development for better credit TAT)
• Continuous oversight on Technology Implementation (e-KYC, Uidai Facilitation).
• Initiating RFP, RFI, and RFQ for new product development.
• Risk Framework and Analytics.
• ISA Audit, Stabilization, leveraging the technology deployed, assessing the need for new technology development.

Associate Vice President & Regional Head – Retail Grid Credit & Retail Asset Operations (North) - SREI BNP Paribas - New Delhi

(2010-05 - 2015-12)

• Demonstrated excellence in managing end to end customer lifecycle from retail asset lending, rural lending encompassing loan Origination, credit investigation, loan servicing and termination, AML-KYC & Other Regulatory compliance.
• Retail grid Credit underwriting & Supporting Credit policy frame work in association with peers.
• Continuous Development/ improvisation of various product specific checklist and document formats to serve as an easy reference for the Sales/ Credit team at the time of deal closure.
• Engage senior management with constructive feedback on the portfolio health by providing useful reports and dashboards that assist in management's decision making.
• Collateral Management (Property, Scrips, Moveable Assets) and Legal & technical Assessment report.
• Pre-disbursal verification of corporate /Retail finance deal documentation to ensure compliance based on Risk approved conditions before release of funds.
• Highlighting the missing links in the customer documents and effectively monitoring the timely