Showcased expertise in formulation of credit policy for vehicle loans within regulatory parameters and risk appetite of the bank Safeguarded implementation and adherence of credit policy through training of Credit and Operations Team on the policy parameters and consistent guidance on the clarifications on product and policy parameters Exemplary efforts in identifying areas of improvement in existing processes of credit underwriting, risk management & operations and its implementation Successful career chronicle in monitoring quality of the portfolio by monitoring infant delinquencies, NPAs and stress accounts Outgoing, process-driven professional; worked closely with Analytics and external vendors like FICO and Persistent for development of Score Cards, Business Rule Engine and Instant Loans Dexterously proficient in facilitating User Acceptance Test (UAT) of scorecards and FinnOne systems and its implementation in production environment Exhibited skills in PDD matrix formulation, delegation of authority and monitoring of overdue A proactive and hands on approach in strengthening systems, controls & processes for robust compliance professional with proven ability in managing vehicle loans Persuasive and goal-oriented, deft in travelling across locations for understanding local policy and product requirement, process reviews and imparting training

Registered a track record of success in spearheading the credit management of Auto suit portfolio worth 10,000 Cr with an average monthly disbursal of 2500 Cr , supported by low delinquency Recipient of Best Portfolio Award and Best Process Management Award by HDFC Bank in on multiple occasions

• Appraising credit proposal of Commercial Vehicles proposals.• PDD management, along with balancing between PDD management and business.• Non starter tracking and Monitoring of 30+, 90+, 180+, and write off data. Recruiting, managing, and mobilising the vendors along with training on banks policies parameters, TAT, Quality of reports, and ensuring their services.• Relationship building with sourcing agents.