Pritesh Jain Email & Phone Number

SVP - Credit Strategy (Policy), Personal Loan and Credit Cards

CSM(Policy) for Personal Loan Digital, Personal Loan on Credit Cards and Cards Monitoring

Mumbai Area, India

➔ Formulation, Dissemination & Adherence of Risk Policy for Used Car Loans across markets for HDFC Bank, Managing distribution risk and maintaining loss rates within budgets.➔ Conducting Portfolio Quality Analysis, training line team, maintaining process to achieve faster TAT.➔ Identifying and monitoring the key risk indicators basis segmentation with relevance to product life cycle on day to day basis, Refine and Upgrading the policy as per the market requirement after risk… Show more ➔ Formulation, Dissemination & Adherence of Risk Policy for Used Car Loans across markets for HDFC Bank, Managing distribution risk and maintaining loss rates within budgets.➔ Conducting Portfolio Quality Analysis, training line team, maintaining process to achieve faster TAT.➔ Identifying and monitoring the key risk indicators basis segmentation with relevance to product life cycle on day to day basis, Refine and Upgrading the policy as per the market requirement after risk assessment.➔ Closely working with Audit and Risk Containment Unit to assess and minimize wrong processing.➔ Helping to Build framework with Analytics Team to Continuously assess and evaluate large database processing and enhance risk evaluation system, Use the same for developing Credit appraisal guidelines through analytical scorecards and Business rule engines. ➔ Ensuring Continuous improvements and Enhancements on Finnone platform with UAT Testing so that faster and right processing of the loans take place. additionally identifying population for straight through processing.➔ Closely working with business for Detailing of Acquisition Policies with special customised offerings which are aligned to market and Customer requirements, with Collections team to get ground feedback about changes in the market and Credit Team to enable faster and right decisioning of Loans.➔ Successfully handled launching of new application scorecard and revamp of blue book model in Used Car. Analysed and changed the existing RBA Policy and Automated the same in LOS for Two Wheeler loans. Show less

Mumbai Area, India

Key Responsibilities:➔ Heading the Underwriting function for Car, Two wheeler, Personal loans & Loan Against Shares for West Zone. Was also Handling South and High Ticket Cases of North as Part of Senior Credit Resource for Car Loans.➔ Was Acting NCM for first 9 months during the initial launch of Car Loans to see through initial Stage when underwriting was handled through central team of Car Loans for Yes Bank.➔ Role involves Setting up, Managing and Guiding the Team based in… Show more Key Responsibilities:➔ Heading the Underwriting function for Car, Two wheeler, Personal loans & Loan Against Shares for West Zone. Was also Handling South and High Ticket Cases of North as Part of Senior Credit Resource for Car Loans.➔ Was Acting NCM for first 9 months during the initial launch of Car Loans to see through initial Stage when underwriting was handled through central team of Car Loans for Yes Bank.➔ Role involves Setting up, Managing and Guiding the Team based in various Branches, Ensuring Smoother processing of Files and Centrally Handling Underwriting of Cases. Building up Quality Portfolio so as to stepping stone for future Success.➔ Taking up and heading special projects for related to process improvement, Policy improvement, System requirement-testing and implementation related to Finnone➔ Started the Underwriting function of Car Loans which included Preparation of Various Formats for Underwriting, helping in preparing Operations Manual, Handholding and Training of Credit managers and ACMs during initial Period to ensure standard implementation of process across locations ➔ Involved in Setting up of Policy and Risk parameters with the Risk and Product Team, Setting Process for Smoother File processing in Underwriting and Operations stage, Monitoring quality of cases through effective portfolio management and Analysis with risk team. Setting up of the Team for processing of files at various locations across Geography.➔ Completed Green Belt Project for reducing Turnaround time. Was involved in CIBIL analysis of the Portfolio as per the latest customer credit behavior. Also involved in Finnone CAS implementation in Retail banking department from requirement stage, UAT Completion and final successful implementation. Show less

Mumbai Area, India

Heading Risk Function for Auto loans - Role involves managing team of Pan India Branches and various Future capital financial stores across India, Heading Credit Underwriting Team for Auto Loans, Handling role of Policy manager for Auto Loans having Dual reporting to Credit Head and Policy Head.➔ To Help Launch Auto Loans product offering from Future Group for both New and Used Cars.➔ Role included Setting up of Policy and Risk parameters, Setting Process for Distribution and File… Show more Heading Risk Function for Auto loans - Role involves managing team of Pan India Branches and various Future capital financial stores across India, Heading Credit Underwriting Team for Auto Loans, Handling role of Policy manager for Auto Loans having Dual reporting to Credit Head and Policy Head.➔ To Help Launch Auto Loans product offering from Future Group for both New and Used Cars.➔ Role included Setting up of Policy and Risk parameters, Setting Process for Distribution and File processing, Coming up with New Programs for smoother processing of files. Designing new strategies to win in the market. Improvising credit processes to ensure better Credit quality and Turnaround time, Conducting Portfolio analysis with recommendations of changes.➔ Setting up Process with Transunion to build process for Processing of cases from Pan India. Integrating the same with los to reduce dual data Entry. Helping Build Entire Auto Loans Master and Process with Tie – up With Finnone Los for migration from old system.➔ Responsible for Product and Policy development for sourcing, New Product initiation and Implementation. Credit quality review and Portfolio Management. ➔ Responsible for Hiring and training Credit managers and CPA’s Under Approved Locations and Setting up the Team for processing of files at all Locations➔ Managing internal audit on credit quality and compliance to sourcing guidelines. ➔ Responsible for handling Credit/Risk Functions for Auto for Future for Pan India and Building up Quality Portfolio. Show less

I was Handling ACM Position for Maharastra (Mumbai, Pune and Nashik) and Goa State, for Auto Loans in Reliance, Additionally Handling PL and LAG Portfoilio Also. My profiles Includes Looking after Credit of Retail/Wholesale and Bulk cases of AL/PL and LAG, Handling The Portfolio and maintaining its quality for Maharashtra and Goa, Handling and motivating Team Of Branch Managers to Perform at fullest. Started as Credit Manager - Promoted to Branch credit Manager Mumbai and Goa and then Propmoted… Show more I was Handling ACM Position for Maharastra (Mumbai, Pune and Nashik) and Goa State, for Auto Loans in Reliance, Additionally Handling PL and LAG Portfoilio Also. My profiles Includes Looking after Credit of Retail/Wholesale and Bulk cases of AL/PL and LAG, Handling The Portfolio and maintaining its quality for Maharashtra and Goa, Handling and motivating Team Of Branch Managers to Perform at fullest. Started as Credit Manager - Promoted to Branch credit Manager Mumbai and Goa and then Propmoted to ACM Position. Show less

Joined ICICI Bank as Credit Manager for Auto Loans for Mumbai, was given Independent Charge for Thane Branch in 2 months and in 6 months additional Responsibility for handling Entire Goa Region (2 additional branches) for Auto Loans was also handed to self. Having served the company for 15 months.

Mba, In Finance

Activities and Societies: Was Actively Involved in Managing the College Festival in the Inhouse Comittee. Completed Full Time MBA from IBS.

Bachelor Of Business Administration (Bba), Finance, General