Krishnakumar Y Email & Phone Number

Currently Head - Process Quality and Policy at Shriram Housing Finance Ltd., Mumbai handling the following products:1. Prime home loans2. Affordable home loans3. Prime LAP4. Micro LAPCareer Snapshot-Loaded with 18+ years of Policy / Credit / Underwriting experience across retail lending including -Mortgages ( both Home loan and LAP ), Retail Working Capital Finance, MSME small ticket loans, Business loans, Loans to EDIs, Portfolio buyouts and related due diligence ( PAN India ),Managing co-lending underwriting ( South ),and hands on experience cutting across geographies - South and West. Previous employment ( in reverse chronological order )-1. RBL Bank 2. Religare Finvest Ltd3. Indiabulls Housing Finance Ltd4. HDFC Bank5. GE Money6. HDFC Ltd.Run through of functional skills and awards:1. Have been instrumental in setting up high underwriting standards and processes backed up by strong financial and transaction analysis skills. 2. Been a catalyst in stepping up business volumes in various locations, backed by hard data. Making TN the highest grosser in MSME loans and doubling volumes in LAP in Mumbai within a 6 month period.3. Awarded the best Regional Credit Manager in 2016 at RBL Bank for handling multiple products with aplomb.4. Equipped in terms of technical and legal aspects of properties across zones.5. Product adaptability. Equally adept in the context of both high value mortgage product as well as small ticket MSME loans.6. Have the ability to set up a lending product, policy from scratch.Other skills:1. Superlative interpersonal communication skills.2. Highly networked. Can form dedicated teams under different zones.Beliefs:1. A product can only be as successful as the team that runs it. Team foundation and integrity are paramount.2. Business and risk share a symbiotic relationship. A balanced approach is the underlying verse of a strong lending model.

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  Dg Vaishnav College

  Business/Commerce, General