Amit Daga Email & Phone Number

Jaipur, Rajasthan, India

- Leading collections strategy for Rajasthan region, managing a ₹26,500 crore loan book through advanced analytics, strategic team deployment, and timely legal interventions to maintain industry-leading portfolio quality.- Successfully executed 200+ physical possessions under SARFAESI Act, implementing structured recovery processes that maximized asset recovery while minimizing write-offs.- Established proactive risk management framework through systematic feedback loops between credit, legal, technical, and disbursement teams to identify and mitigate sector-specific risks.- Developed and implemented comprehensive fraud detection protocols, collaborating across departments to strengthen preventive measures and establish robust monitoring systems.- Led strategic negotiations for high-value settlement cases while ensuring compliance with organizational policies and regulatory requirements.- Orchestrated cross-functional coordination across product lines to optimize default resolution strategies.- Pioneered data-driven resource optimization model for team expansion, infrastructure planning, and vendor management, resulting in improved operational efficiency.

Jaipur, Rajasthan, India

- Leading Rajasthan credit risk management and recovery division, ensuring minimal defaults through data-driven strategies, efficient team coordination, and legal actions.- Spearheaded a data-driven review mechanism to optimize collections infrastructure and proactively address default risks.- Ensured low NPAs and credit costs, achieving pre-COVID performance levels swiftly post-pandemic.- During COVID ensured operations to carry with minimal disruptions.- Led the Moratorium and restructuring to ensure smooth implementation while ensuring optimum utilisation of scheme.- Collections team Counselled 80000+ customers and ensured effective utilisation of moratorium and restructuring scheme.-Ensured continuous training and development for collection teams to enhance efficiency and ensure adherence to regulatory norms.- Providing structured feedback to operations team.- Approving legal actions under SARFESI Act.- Heading NPA and sub-NPA team.- Planning and implementing recovery targets.

Jaipur, Rajasthan, India

- Directed lending and deposit operations for Rajasthan, high-value loan approvals, project approvals and construction finance.- Managed deposits mobilization, deposit processing and internal controls for Rajasthan.- Credit, legal, technical, disbursement fixing, disbursment targets, document release policy development.- Contributed to enhancing business by developing new markets, channels, and customer service standards.- Conducted regular training and feedback sessions with channel partners to enhance product knowledge, address challenges, and drive alignment with organizational goals.- Established a centralized complaint management system to ensure swift resolution and enhance customer satisfaction. - Consistently secured exemplary audit reports for the region by ensuring compliance with regulatory standards, implementing robust controls, and fostering a culture of accountability.- Mentored and developed a high-performing team, achieving consistent regional growth and compliance excellence.- Provided strategic feedback to the central IT team, driving system enhancements to optimize operations, improve user experience, and align technology with business needs.- key role in streamlining operations by introducing automation tools and process refinements that improved turnaround times.

Jaipur, Rajasthan, India

- Responsible for leading Credit underwriting department with expertise in scaling and innovating self- employed home loan portfolios.- Designed underwriting policies for self-employed, incorporating flexible documentation and cash flow- based assessments.- Developed automated credit scoring tools, achieving a 30% improvement in processing speed and enhanced risk management.- Established credit norms, processes, and a centralized disbursement hub to reduce errors and improve operational efficiency.- Introduced innovative risk assessment techniques, significantly reducing default rates in the self- employed segment.- Led Six Sigma initiatives and training programs to enhance team expertise and elevate operational standards.- Provided strategic insights to deliver customer-centric financial solutions while ensuring robust portfolio health.- Skilled in leveraging technology and partnered with IT teams to create systems for monitoring loan performance metrics, ensuring timely interventions and sustained portfolio health. - Provided strategic inputs for system enhancements, laying the foundation for a nationwide credit underwriting framework.

Jaipur, Rajasthan, India

- Managed deposits mobilization,deposit processing and internal controls for Rajasthan, achieving retail and corporate targets through strategic partnerships and direct marketing.- Initiated software and portal development for deposit operations and key partner management leading to improved client servicing and reduced errors.- Designed and executed comprehensive training programs for key partners, resulting in increased mobilization and partner retention.- Led home loan outreach programs, paving the way for branch expansions across multiple cities.- Played a pivotal role in developing market entry strategies, ensuring sustainable growth in under- penetrated regions. Opened more than 7 deposit desks across the state in key deposit markets. Deposits base grew from Rs 200 cr to Rs 1500 crs. The branch improved from 10th largest deposit to 5th largest deposit base.- Handled the HDFC Mutual Fund's processing and distributors enrolment for the entire state of Rajasthan for 2 years.- Advised clients on tailored life insurance solutions, aligning policies with individual financial goals and risk profiles to ensure comprehensive coverage and long-term security.

Chartered Accountant, Accounting And Finance

Bachelor Of Commerce - Bcom

Sr Secondary, English, Economis, Accounts, Business Studies, Mathematics

Certificate In Insurance, Insurance