Radha Prasad

• Strategic Credit Authority: Exercised final sign-off authority for retail credit portfolios up to
INR 2 Crores pre-merger, scaling to INR 3 Crores post-merger.
• Risk Optimization: Successfully lowered loan rejection variances below 10% via stringent
credit evaluations, proactive risk sampling, and portfolio analysis.
• Cross-Border Leadership: Directed operational compliance and customer retention
strategies across premier international hub nodes in Dubai, London, and Singapore.
• SLA & TAT Governance: Spearheaded workflow re-engineering to deliver a 98% processing
Turnaround Time (TAT) on 0-3 day files and 95% on 0-7 day portfolios.
• Financial Crime Prevention: Standardized institutional KYC protocols, document fraud
detection matrixes, and external credit verification procedures.
• Knowledge Transfer: Designed and deployed customized training frameworks regarding
HNWI credit appraisal policies for multi-regional branch

• Operational Control: Managed a high-performing credit operations and underwriting team
of 22 personnel.
• Risk Framework Architecture: Authored new metrics to elevate corporate risk management
capabilities, defining baseline performance criteria for senior leadership.
• Collateral Asset Security: Governed the document vault ecosystem for 25 distinct branches,
enforcing robust post-disbursement audits to completely secure mortgage portfolios.

• P&L Acceleration: Engineered branch growth strategies that expanded active loan books by
20%, driving total disbursement volumes from INR 30 Crores up to INR 65 Crores.
• Credit Delegation: Held a personal lending authorization limit of INR 20 Crores, serving as
the principal legal signatory for branch agreements and property transactions.
• Channel Management: Grown external sales network productivity (DSA) by over 270%,
increasing volume from INR 4 Crores to INR 15 Crores within the territory.
• Team Governance: Managed an internal workforce of 8 direct reports alongside an extended
outsourced sales team of 35 professionals.

• Scale Execution: Scaled branch productivity by 233%, successfully increasing monthly loan
sanctions from 30 to over 100 applications.
• Portfolio Expansion: Accelerated branch disbursement volumes from INR 10 Crores to INR 36
Crores during tenure via instant underwriting and accelerated decisioning.
• Efficiency Turnaround: Boosted operational processing TAT from a legacy baseline of 30% up
to an active 85% processing efficiency.
• Client Retention & Referrals: Nurtured active customer portfolios, driving a 15% customer
retention rate and a 7% increase in active customer referrals.

• Portfolio Evaluation: Conducted rigorous risk analysis and comprehensive credit appraisals
for diverse employment demographics, specializing in Resident and Non-Resident Indian
(NRI) segments.
• Risk Site Analysis: Performed strict on-site field visits and structured client interviews to
accurately verify asset values and calculate complex risk parameters.
• Cross-Functional Synergy: Aligned effectively with sales teams, mortgage brokers, and global
relationship managers to streamline cross-regional document acquisition workflows.

• Underwriting Fundamentals: Evaluated over 150 complex credit proposals monthly,
achieving elite rank status for processing speed and strict Turnaround Time (TAT) adherence.
• Verification Governance: Directed fundamental KYC checks and absolute verification of
physical document sets against strict institutional risk metrics.