- Project Head for developing and implementing Loan Origination System (LOS) and Loan Management System (LMS) for lending products and digital workflows.- Liaised between IT teams and other stakeholders to ensure system development aligned with specifications.- Engaged with clients to assess business requirements and identify software needs.- Developed, configured, and tested applications to meet project standards, ensuring compliance with regulatory frameworks.- Ensured digital products with multiple APIs met audit standards and assured compliance.- Prepared and finalized regulatory financial reports, balance sheets, and income statements, managing internal and statutory audits.- Implemented processes and controls for Risk and Operations verticals.

- Managed departments: Credit/Risk, Finance and Liabilities, Digital Process Flow Operations, Partnerships, and Data Analytics.- Built and strengthened relationships with new and existing partners for co-lending and business correspondent (BC), growing the partner book by $15M in 2 years.- Led the finance team, overseeing budgeting, analysis, and financial statement preparation.- Conducted system audits to ensure regulatory compliance.- Managed internal audit and coordinated with external auditors to ensure no adverse comments on processes or financial statements.- Successfully completed two due diligence processes for fundraising, securing $25M in investments over 2 years.- Headed the underwriting team, maintaining a low-delinquency portfolio of $55M for over 4 years.- Led a team of 35 in operations, overseeing loan processing and customer service fulfillment.

- Evaluated and approved credit proposals up to $1.25M within delegated authority, ensuring compliance with risk policies and standards.- Reviewed high-ticket credit proposals, offering sound judgment, and presenting them to the credit committee and CEO.- Initiated process re-engineering, including automation, digital initiatives, and team training to improve TAT and portfolio quality.- Managed internal audits, resolved queries, and ensured regulatory compliance for the department.- Monitored and reviewed existing credit portfolios for performance and delinquency, issuing alerts and recommending remedial actions when necessary.- Led a team of 65 analysts, overseeing the monthly processing of 750 credit proposals.

**Vice President** **Kotak Mahindra Bank Ltd** **2006-09 - 2016-10**- Led projects for systems such as Loan Origination System (LOS – Retail and Commercial Assets), Lead Management System (LMS – Retail Assets), Digital Initiatives in Retail Assets, and Process Automation.- Managed the implementation of the Advanced Collection Management System and Document Management System.- Prepared Business Requirement Documents (BRD) for new system requirements and enhancements.- Oversaw functional and system testing of all applications.- Provided system support for these applications, ensuring adherence to SLAs and TATs.- Collaborated with vendors and developers to ensure business requirements were met.**Credit/Risk Underwriting for Mortgages (Retail & Corporate) – PAN India (Mumbai HQ):**- Handled credit proposals worth $12.50M, presenting to the credit committee and Vice-Chairman’s office.- Conducted credit appraisal and financial risk analysis for new and existing proposals, offering risk mitigation strategies.- Delivered credit assessment targets on time, managing a team of 33 analysts.- Monitored and reviewed existing portfolios, issuing alerts for any signs of deterioration and providing remedial action recommendations.- Managed audit and risk monitoring teams for secured and unsecured loan portfolios.- Provided key product and policy inputs to stay competitive and ensure compliance with RBI regulations.

Mortgages Underwriting Responsibilities included: o Interacting with FI and RCU agency and appointing them o Interacting with credit managers of various banks to understand their working procedure o Interviewing prospective borrowers o Credit Appraisal/ Financial Analysis of applicants o Evaluation of financial risk involved in the proposed cases o Sanctions and disbursement of cases o Liaisoning with investigation agencies, lawyers and valuers o Delivering the credit assessment targets within the required TAT o Maintaining data relating mortgage market in Pune o Heading the team five member CPA for Pune Branch o Undertaking regular training program for sales team and back office o Maintain a healthy credit portfolio (Delinquency Management) o Reporting to HO Credit and Business Head o Handle sales for three months - DST and DSA's

Mortgages)Joined as an Assistant Manager for the Pune branch. Was a part of the initial team that was responsible for setting up the Pune branch of the bank. Was later promoted to Manager position.Responsibilities included:* Setting up the credit division for the Pune branch. This included:o Interacting with FI and RCU agency and appointing themo Interacting with credit managers of various banks to understand their working procedureo Interviewing and appointing people at the back office for Kotak Mahindra Banko Formulating the MIS policyo Providing inputs for formulating credit policy* As a Credit Manager, the responsibilities included:o Interviewing prospective borrowerso Credit Appraisal/ Financial Analysis of applicantso Evaluation of financial risk involved in the proposed caseso Sanctions and disbursement of caseso Liaisoning with lawyers and valuerso Maintaining data relating home loan market in Puneo Heading the team of two-credit officer and five- back office staff for Pune Brancho Reporting to HO Credit and Business Head; System Testing and member of the UAT team for the loan origination/ management software. o Implementation of Oracle based System in various locations. o Member of the team interacting with vendors for the inputs, requirement and modification for development of software.o Incharge of the loan origination/management system for Gujarat and South region - Like training the user, deployment of the software at various locations in the region, solving the user queries relating to the software.

Worked for the Standard Chartered Bank Ltd back office as a Credit Appraisal officer. The responsibilities included: * Interviewing prospective borrowers* Credit Appraisal/ Financial Analysis of applicants* Evaluation of financial risk involved in the proposed cases* Recommending sanctions and disbursals* Liaisoning with lawyers and valuers* Formulating and preparing MIS

Worked as an analyst for L. R. Agarwal & Co. This was a part of the articleship requirement by the Institute of Chartered Accountants of India. The responsibilities included:* Accessing individual, partnership and corporate taxation* Auditing companies under Companies Act 1956 and Income Tax Act 1961* Preparation of companies audit reports* Providing consultancy for accounting practices and investment management