Sumit Jhanwar Email & Phone Number

Mumbai, Mh, In

Mumbai, Maharashtra, India

Policy Writing and Portfolio Monitoring: Working on policy amendments, evaluating special schemes for dealers and funding grids of tractors, increasing the funnel of preapproved top loans for repeat customers, working on new product proposals, BRE, app score card and banking scorecard developments, increasing the STP pool for new and top up loan and introduced branch scoring model for identification and monitoring of delinquent branches.Preparing Monthly Portfolio Governance Deck: Based on multiple metrics such as delinquency trends – both coincidental and lagged, roll rates, NNS and EMR tracking and analyzing credit team’s feedback for further action, vintage (MOB) wise portfolio analysis, state wise portfolio performance deep dive and identifying delinquent and business opportunity segments, peer performance comparisons, monitoring CD efficiency and hygiene factors such as RC pendency, delayed deposit etc.New Product Launch:Warehouse Receipt Finance: Credit policy writing - Defining eligibility guardrails, product features, monitoring mechanism and risk mitigation. Defining requirements for end-to-end digital processes, BRE rules implementation, app and underwriting portal development, system testing and UAT, defining vendor requirements and management - perfios, novel pattern, agri watch, various collateral managers, etc. Ideation of credit guardrails for Agri Input Credit – A new product to fund farmers for their agricultural input requirements. Liaising with IT team/ Ops Team for any credit related system/process changes and preparation of required BRDs.Key Achievements: Significantly contributed towards organization's aim of moving to a customer centric approach through policy reimaging and realignment in key markets. Identifying prime customers and designing specialized offerings. Received certification of appreciation from Chief Risk Officer for significant contribution towards building of new products under the Farmer Finance Division.

Mumbai Area, India

Product Initiatives: Policy writing and review of new products and carried out amendments in multiple product papers. Portfolio Management, Delinquency Monitoring and Other Statutory Reporting: Preparation and publication of newsletter framework with key MIS decks, dashboard and presentations for reviews with CRO, regional credit team and collections team. Preparation of board notes, review notes for asset quality review and investor presentation documents. Portfolio monitoring through sourcing analysis and control, segmentation analysis, regional analysis, lag tracking, early mortality, tracking early delinquency indicators and delinquencies in high ticket cases etc. Managing regulatory reporting of data to RBI, SLBC, etc. Handling Restructuring Schemes: Preparing restructuring approaches and eligible base of clients for restructuring such as under moratorium schemes, various calamities etc. Also monitoring of recovery in restructured accounts. Handling of internal audit for the product, preparing regional credit team’s scorecards and helping collections team to devise strategies. Training of line team: Conducted workshops and trainings on product policies and delinquency control for credit team. Developed various e-learning modules on different product schemes and parameters for regional teams with the help of HR L&D team.

Rajkot Area, India

Underwriting of loan applications – experience of handling cases of varying ticket sizes, data quality and process management – have always ensured error free underwriting of cases adhering to the extant policy guidelines, cases were always processed adhering to the required TAT limits, portfolio management – deferral controls and delinquent customer analysis and follow ups, interactions and coordination with stakeholders including Business, Operations, Collections, etc., vendor management, pre disbursal and delinquent customer visits.

Kochi, India

Development of a strategy to explore international market for coconut products.

Ahmedabad Area, India

Standardization of Credit Bureau Process and Incorporation of Credit Bureau Data in the Credit Appraisal Process & Risk Management Tools

Udaipur Area, India

Study of services provided by Aajeevika Bureau

Post Graduation Diploma In Rural Management, Rural Management

Activities and Societies: ISEC- The Social Enterprenuer Club. Nishadya- The Marketing Club. Organic Farming Club Post Graduate Diploma.

Cfa Level 3 Candidate, Investments And Securities

Frm Level 1, Finance And Financial Management Services

Junior Associate Of Iibf (Jaiib) And Certified Associate Of Iibf (Caiib), Banking And Financial Support Services

Bachelor’S Degree, Business Administration And Management, General