Portfolio quality Management leveraging on risk analytics with frequent monitoring and reviews. Analyse portfolio performance at a granular segment, on-going basis for corrections and business opportunities and optimise targeting underwriting strategies

Managing Underwriting of Business Loans/ Mortgage/Home LoansResponsible for quality portfolio, demonstrated ability to prioritise and drive results with urgency.Vendor Management, Managing Recovery, LEad and Develop team of credit - risk analysts , managing complex , critical professional disciplinary assignment from time to time.Handled and led multiple cross functional projects through effective project management, create, update, and track project plans for multiple deliveries. Initiatives on process innovation and system enhancement.Responsible for geographical dynamic product policy for SME products. Project initiative on Digitalisation of risk underwriting for SME products . Leverage problilities and decision trees to perform risk , financial including profiling , forecasting and new program with due diligenceDevelop robust team , risk framework and designing product policy in line with changing market dynamics for new innovative lending features and product with insightful report. increased sales with innovative credit policyunderwriting of unsecured instalment loans, product test experimental design, strategy planning, team leadership, communicate policy changes, test recommendations, program approval, credit risk management

A dynamic individual with over 18 years of. experience in underwriting strategy in managing unsecured installment loans in PL, BL, SEP, & EL.DEVELOPED and managed credit underwriting strategy for South zone managing a team size of 125 CRM and ACMs with a Portfolio size of 18 billion and lowest loss ratio and risk indicators

Portfolio quality Management, product policy design based on potential risk. analyse portfolio performance at a granular level for correction and business opportunities, optimising underwriting strategiesbreak down abstract problem into actionable analysis and comfortable working in a fast paced manner establish and leverage cross functional partnership and networking with key internal partners

WAS INSTRUMENTAL IN SETTING UP CENTRALIZED PROCESS UNIT WITH ISO COMPLIANCE HANDLING LOAN OF 50K APPLICATIONS PER MONTH WITH BEST TURNAROUND TIME ON PROCESS WITH OPTIMUM PRODUCTIVITY AND COST EFFICIENCY WHICH WAS ACKNOWLEDGED BY MY SENIOR MANAGEMENT PERSONNEL.RATED AS KEY PERFORMER FOR POLICY DESIGNING BASED ON GEOGRAPHY, MARKET DYNAMICS AND PROCESS AUTOMATION Managed credit underwriting for entire South zone , India (states TAMIL NADU, KERALA, KARNATAKA, ANDHRA & TELENGANA) of India with team size of 125 CMs and 8 ACMs.Portfolio size of 18 billion for South 2 zone (Karnataka, Andhra & Telengana, Tamil Nadu) with lowest loss ratio & risk indicatorsPortfolio Quality Management, Risk modelling based on risk separation and risk analytics.Demonstrated highest standard in process management and cost effective , service deliveryFacilitated intense talent acquisition and training.Expertise in credit underwriting of ALL RETAIL ASSET LOANS with wide range of experienceProcess automation, expertise in RISK BASED SCORE APPLICATION with multi-bureau information, digitalisation on straight through process based on internal databaseHAVE UNDERTAKEN INITIATIVE ON VARIOUS PROJECT ON PROCESS INNOVATION , PRODUCTIVITY, COST REDUCTION AND STRCT PORTFOLIO QUALITY MANAGEMENT

RESPONSIBLE FOR RECOVERY AND LEGAL OF COMMERCIAL VEHICLES IN KERALA