*Portfolio Management & Strategic Leadership*- Spearheaded MSME lending portfolio in Karnataka, driving growth and profitability through astute portfolio management and strategic credit decisions.- Develope and executed tailored credit strategies to optimize risk-adjusted returns, fostering increased profitability and reduced risk exposure.*Risk Management & Mitigation*- Employed robust credit assessment and monitoring frameworks to identify and mitigate potential risks, ensuring portfolio quality and minimizing losses.- Implemented proactive risk management techniques, leveraging data analytics and market insights to anticipate and address emerging risks.*Stakeholder Engagement & Collaboration*- Fostered strong, mutually beneficial relationships with internal stakeholders, industry associations, and clients, enhancing collaboration and driving business growth.- Built a network of key stakeholders, facilitating open communication, and strategic partnerships to drive business objectives

- Leadership: Led PAN India underwriting division at Udaan Capital.- Product Evaluation: Analyzed supply chain products, including anchor partner and open market options.- Program Assessment: Evaluated anchor programs across wholesalers, distributors, and manufacturers.- Project Leadership: Led cross-functional teams for key projects, such as credit policy, digital onboarding, vendor integrations, LOS operations, and customer lifecycle.- Innovation: Developed a confidence score underwriting system.- Portfolio Management: Established diverse dashboards for effective portfolio management, utilizing various indicators.

- Team Leadership: Oversaw managers in credit, technical, collections, and fraud control functions to maintain portfolio quality.- Market Expansion: Actively contributed to APF activation and penetration strategies for market growth.- Portfolio Review: Key role in setting checks & balances to make sure the proGolio is periodically reviewed with various dashboard.- Employee Mentorship: Mentored new hires for smooth assimilation into the organization.- Performance Enhancement: Designed and implemented effective KRAs to improve the credit team's performance.

- Lending Expertise: Managed institutional lending (including INR 50 Crores+ ticket sizes), Housing Finance, LAP, and unsecured products.- Strategic Contribution: Helped develop credit policies new Housing Finance vertical, streamlined APF processes which improved business.- Credit Approval: Approved credit proposals within policy guidelines, with authority up to INR 2.50 Crores.- Portfolio Management: Conducted regular portfolio reviews and reported performance to senior management.

- Diverse Experience: Started as a management trainee, gaining exposure to Mortgage, Home Loans, and Construction Finance sectors.- Project Leadership: Appointed as the Point of Contact (POC) for BPMS implementation across PAN India.- Stakeholder Partnership: Collaborated on credit logistics, hind sighting, and policy initiatives.

Topic: Scope of Corporate Banking in IT/ITeS Sector (April 10- June 24, 2010)Project Description: • To discover and analyse whether the corporate houses were aware of the products and services offered by Kotak Mahindra Bank Limited. • To understand their business model and to recognize where Kotak’s structured products fit in. • To analyze the investment pattern of various corporate so that the bank cam meet the desired requirements though its products. • To know that what will induce the corporate to have their banking relations with Kotak Mahindra Bank Limited.

Sector- Technology, Communications and EntertainmentTechnical Management• Complying on indirect tax implications on service industry including customs and VAT/ CST implication• Preparation of refund/ rebate applications under Cenvat Credit Rules, 2004• Preparation of VAT, Service tax returns on monthly and quarterly basis • Preparation of replies and appeals filed before various administrative and judicial authorities• Appearances before administrative authorities for the purpose of personal hearings on behalf of clients