Toyota Financial Services India Ltd – Chief Risk Officer – New Car, Used Car & Inventory FinanceDec 2020 till Date. Reporting to Managing Director. Portfolio Size 12000 Crore+.Enterprise Risk Management – Managed through extensive implementation of Risk Appetite Framework detailing the organization Risk Tolerance for all Critical Risk Parameter. Credit Risk – Managed through Vintage Curve Analysis on Bounce%, 30+ and 90+. Product Portfolio Analysis, Scheme Performance Monitoring, Quick Mortality Monitoring etc.Operations Risk – Monitored through enterprise wide implementation of Risk Control Self Assessment (RCSA). The same is managed through meticulous process assessment with Inherent Risk, Criticality, Probability of Occurrence, Control Measure and Residual Risk. IT Risk –IT Risk Framework is jointly managed with IT team at the core at it and ERM at an overall governing perspective. Regulatory IT Governance guideline alongwith Global Framework is taken care while framing the same. Vulnerability Management, Endpoint Protection, Service Availability, Service Assurance, Backup Success Rate etc are governed through various Policies, Framework and Risk Indicators.Liquidity Risk – Liquidity Risk is managed jointly with Treasury Outsourcing Risk – Outsourcing Risk is meticulously managed through Materialit, maintaining Inventory of Outsourced Vendor, detailed Vendor Tiering Activity and Annual Vendor Review as per regulatory guideline.Residual Value Risk Management ECL Model management – The same is managed along with Finance department. PD (Probability of Default) is managed through TTC and PIT PD calculation in System. The same is used ultimately in ECL calculation with LGD and EAD.Business Continuity Management Score Card Management

a) Risk Governance through IFRS 9 with detail process of Exposure at Default, Probability of Default & Loss Given Default, b) Process Management from Login to Disbursement with a focus Fintech arrangement c) Policy Management through preparation and time to time modification of Used Car & New Car Policy d) Product/Scheme Monitoring e) Fraud Management through Screening & Sampling and RBI Reporting f) Stock Audit Management through Stock List, Vendor management, Control Audit, Brand Communication and adhering to Audit Frequency as per Dealer Rating, SOT monitoring, Vahan Check etc. g) Score Card Management through development of Behavioural & Application Score card through vendor and implementation of the same h) Underwriting of Policy Deviation cases i) KYC/AML management

Overall credit risk management of TW and UC department, building up end to end digital process flow, scorecard formulation with vendors , implementation and monitoring the same, portfolio management, policy formulation and business development

Building Policy Framework of the Bank with feedback from Business Team and Market requirements. Modifying the same as per market demands. Recalibrating it with various policy parameters vis-à-vis corresponding delinquency cuts. Major emphasis given on State specific portfolio parameter, location-wise Collateral Pending percentages. Analysing Portfolio as per various Policy Cuts. Mapping the same with Segmental Delinquency. Regular interaction done with Business Analytics Team to take informed opinion about Portfolio Quality and built in the same on-going basis in Product Policy. Presenting the same to Senior Management and Bank’s Executive Directors. Getting the Policy vetted by them in Committee of Executive Directors

Product Managing:Retail Car Loan, Personal Loan & Home LoanCorporate Business Loan, Small Ticket Cash Credit Facility to Self employed customer, Working Capital Funding to Car Dealerships against security of their existing Demo Car.Reporting to: National Credit HeadTeam Strength: 32 (Credit managers, Area Credit managers, Regional Credit manager & Zonal Credit Managers mostly Chartered Accountants)Volume Managing: Around Rs.1200 Million of disbursement with 3000 files (Retail and Corporate together)Key Result Areas Underwriting & Risk ManagementRetail Customers are being appraised on the basis of their Financials, Cash Flow pattern, KYC, Past Tack Record through CIBIL & with market references.Corporate Customers are appraised through Business analysis, Factory visit, Client interview, management background, detail balance sheet analysis, Market Reference Check, Debtors Check & creditors Check, Banking Analysis, CIBIL & available track check.Major emphasis imparted on Fraud Detection through CIBIL -1, Double PAN check, Date of birth mismatch, bank statement fraud etc. Process ManagementAdept in start-up process management for setting up of Credit Shop to process loan files from login to disbursement. The same ensures processing of files within overall credit parameters and maintaining required Turnaround Time (TAT) to give ultimate customer satisfaction. Portfolio ManagementThis is ensured through bucket-wise delinquency analysis, non-tarter analysis, analysing delinquency trend, and also car model wise portfolio analysis. Collateral ManagementThe collection of title document of all secured assets (e.g Registration Certificate for Car Loan) are monitored month-wise and maintained at less than 4% level. Audit & Compliance Business Development Team Management..

 Sourcing of Home Loan & Personal Loan Initial Processing of the Loan with reference to Bank’s Product Policy as well as KYC/AML Policy within stipulated Turnaround Time (TAT) Closing the Loan File within stipulated TAT Quality assessment and Process Audit through regular error percentage monitoring and regular training of the processors towards the same.

Risk Management, Process Management, Portfolio Management, Business Development & Team Maanagement.

Underwriting & Risk Management, Process Management, and Audit & Compliance

Deputy Manager – Credit – Andhra Pradesh (Commercial Vehicle and Car Loan)

Executive Credit (AP, TN, WB & Orissa – Consumer Loan & Two Wheeler Finance)

Equity Research, Retail Lending