Krishnan Gopalakrishnan Email & Phone Number

Mumbai, MH, IN

Mumbai, Maharashtra, India

Gurugram, Haryana, India

Chennai

Mumbai Area, India

Mumbai

• Reporting to the CEO and Board, responsible for Enterprise risk (defining, monitoring and reporting) to the Board, Credit Underwriting, Product & Policy formulation, Portfolio monitoring and Fraud Control. Manage and.
• Developed Early Warning Systems (EWS) using data from credit bureaus to monitor “off-us” performance and enquiries. While helping us identify potential defaults mark customers for early collection follow-up, this.
• Developed in-house Rating templates for funding construction projects – an exceptionally clean portfolio of over INR1900 Cr.
• Conceptualised and implemented Real Time Risk Monitoring (RTRM) – in an environment with complete delegation of underwriting powers there is always a risk of buying wrong credit. To address this concern and to bring a.
• Conceptualised and implemented, fully automated KPI scores for each underwriter for cases underwritten by her on all the performance metrics like TAT, cheque bounces, delinquency. This was a major departure from the.

Mumbai

• Responsible for Credit Underwriting, Product & Policy formulation, Portfolio monitoring of product suite including Used car, Commercial Vehicles, Construction/Mining/Medical Equipment loans, Mortgage loans, Education &.
• Identified new business segments and geographies using Heat-maps from Credit Bureaus e.g. funding industrial clusters in segments like Ceramic Tiles, Plastics, Automotive parts, Pharmaceuticals, etc. For instance.
• Championed assessment based on surrogates and viability to create a sizeable book in funding of Educational Institutes (over INR 1000 Cr.), middle tier hotels, medical and printing equipment.
• Developed score-cards for Vehicle and Mortgage loans – resulted in dramatic decline in delinquency trends in Vehicle portfolio. It was a tool we used for providing sanctioning powers to Branch Credit Managers.
• Pioneered mobile app-based underwriting on the fly – visiting customer location, geo-tagging, uploading photographs and answering a questionnaire on the mobile to give instant decisions.
• Led the team in presentations on portfolio quality and robustness of underwriting practices to the Board, regulators, investors, rating agencies and in due diligence exercises related to stake sale and Bond/NCD issue.

• Responsible for Accounting, audits, budgeting & annual plans, investor relations, statutory & regulatory compliance and liaison with regulators & rating agencies.Setting up the systems and SOPs for Securitisation.
• Financial planning by o optimising use of CPs for short term products, o NCDs for ALM gaps, lease deals for tax planning, o securitization and direct assignment of loan pools for maintaining CAR
• Securitisation of (Vehicles, Mortgage and SME loan pools) – initiated and structured deals, negotiated rates, had the pools rated, created SOPs and templates which continue to be used for deals done today
• Successfully led the team in completing financial due diligence for stake sale to investors with different pricing for Mortgage and non-mortgage booko Planned and executed Business Transfer Agreement (BTA) to enable.
• Automated dashboards for branch P&L (20 branches) including variance analysis vis-à-vis budgets
• Digitised employee claims and vendor payables using Work-flows (over 1000 employees and 300 regular vendors)

• Set up operations in 4 months flat, across 10 locations which involved budgeting, recruitment, software selection, set-up and testing, designing SOPs, process manuals, vendor tie-ups, banking arrangements and setting.
• First year of operations – clocked book size of INR 7000 Cr with over 100000 customers
• About 40% of the operations staff are still with the organization and handling senior roles in Operations or other functions
• Outsourced entire back office Central Operations right from the start
• Adopted automation like Bar-coding of files to track from branch to storage location, digital image based disbursement, Dashboards using macros on system dumps.

Member - Projects (team directly reporting to Executive Director) May ‘06 - Dec ‘06Identified as Talent and given project responsibility of building relationship with RBI to soften banks image and drive Central Bank key agenda like No-Frills accounts, Pension Accounts, Business Correspondent model etc.Zonal Operations Manager (Retail Assets), West Zone Jan.

6 Bottling Units spread across Western India and One Storage Terminal at Porbandar Port. SHV Energy was primarily involved in LPG import, bottling & distribution besides providing LPG in tankers to industrial consumersResponsible for Accounting (Indian and Dutch GAAP), Audit, Taxation, Capex vetting and approvals, MIS, Budgeting, PricingVery good exposure.

Ca, Accounting, Taxation, Company Law

Cleared both groups in First attempt

Cwa, Costing

Cleared all groups in first attempt. Pursued the course while studying for CA

Bachelor Of Commerce - Bcom, Accouting, Economics

Higher Secondary School Certificate, Accounting And Finance

Secondary School Certificate

Education record

Education record