ASSISTANT VICE PRESIDENT – RISK & CREDIT
Progcap, Desiderata Impact Ventures Pvt Ltd (Fintech)
مجموع سنوات الخبرة :15 years, 0 أشهر
• Lead automation projects and enhancements for maintaining repository of risk appetite metrics/ Key Risk Indicators (KRIs)
• Made Product Notes for automation of multiple manual processes in credit journey
• Prepared Impact Analysis Sheet for automation projects
• Development, monitoring and tweaking of application scorecards (logistic regression-based scorecards) using python
• Responsible for development of UW strategies/policies with the help of internal performance behavior data, credit bureau data, demographic data, and alternate data like bank statement/financial information
• Responsible for drafting and maintaining central risk management policies, such as Enterprise Risk Management framework etc for healthy portfolio growth, business performance & future potential
• Enhancements and maintenance of presentation packs for risk management committees and forums
• Development and maintenance of organization wide risk appetite
• Establishing and streamlining of reporting requirements around risk appetite framework.
• Performed quantitative analysis to measure the magnitude of potential risks.
• Looked after Unsecured Business Credit Risk, Portfolio, Collection & Operations; Credit policy making, overall Credit Granting Process including application of credit policy,
periodic credit reviews to optimize the mix of company sales and bad debt losses; Team Leader of Development project of Banking Analysis Tool & providing our software tool to other organizations as a service; Banking environment-have working knowledge of Tableau, worked closely with Python developers; Solely managed Alliance Partnership programs; Provide solutions to complex operational and financial
• Supervised the overall Credit Granting/Underwriting Process including the application of credit policy, periodic credit reviews of clients/partners, assessment of credit worthiness of potential clients, with the goal of optimizing the mix of company sales and bad debt losses; Coordination with Sourcing, Credit Underwriting, supervision of team, granting approvals, ensuring timely closure of kits, disbursals, OPS co- ordination, collection and related responsibilities involved in lending along with adherence to time deadlines; Triggered delinquent accounts to collections department after ops review and coordinated in collection.
• Credit Underwriting of Unsecured loan requests; Managed RISK MONITORING UNIT at country level which helped to keep the delinquencies at minimum; Compiled portfolio data and analyzed latest trends, identifying risks preventively. The Institute of Chartered Accountants of India Chartered Accountancy: Accountancy The Institute of Company Secretaries of India Company Secretary : Compliance Delhi University B.Com: Accounting Nationality: Indian
Worked as an Article Assistant with KPMR & Co. (Chartered Accountants) from 28-4-2008 to 27-10-2011 &
underwent a comprehensive training.During articleship got an exposure of companies and organizations spreading across different industries which provided me the opportunity to work in a group, supervise and lead the team and to improve my knowledge and skills.Also had rich experience in the fields of Direct Tax & Audit of Banks.
COMPANY INDUSTRY/ORGANISATION NATURE OF WORK POSITION HELD
Allied Traders Carrying & Forwarding Tax Audit Team Leader
Zainab Agencies Consumer services (Logistics) Tax Audit Team Member
Janta Co-operative Bank Co-operative Bank Internal Audit Team Leader
Allahabad Bank Bank Internal Audit Team Member
UCO Bank Bank Internal Audit Team Member
➢ ACHIEVEMENTS
The Institute of Company Secretaries of India 2012 (June) • 65
DEGREE INSTITUTION YEAR OF PASSING MARKS (PERCENTAGE) Chartered Accountancy • Final (Gr-I) • Pcc (Gr-II) • Pcc (Gr-I) • PE-1 The Institute of Chartered Accountants of India • 2012 (May) • 2011 (May)
B.Com Delhi University 2008 • 61