Bajaj Finserv (April 15- Dec 17)Karvy Financial Services Limited (July 2011- April 2015)September 2013 - April 2015 (Credit & Risk Head - Micro Enterprises) - Leading a Pan India team of experienced Mortgage & Gold Underwriters comprising of Regional & Area managers for small ticket Loans Against Property (LAP), Mortgage, Loan Against Gold Business.- Managing Credit & Risk piece of Loan Against Property business origination from branch, districts & division based network.- Ensuring checks & balances in line with market scenario, customer satisfaction through proper credit appraisal, loan disbursal, customer behavior monitoring & customer retention.July 2011-September 2013Regional Credit Manager - North (Loan Against Property & Loan Against Gold)Fullerton India Credit Company May 2007- June 2011Dual Role of State Risk Manager- Punjab, Himachal,Haryana for Personal Loans (span of 4 clusters / 39 branches) and Regional Credit Resource (North) for Mortgages Product (span of 8 locations including Delhi- NCR, Lucknow, Kanpur, Ludhiana, Jalandhar, Amritsar, Chandigarh, Bathinda) with total across Credit, Business / Sales, Collection function.Prior Roles Handled in Fullerton. - April-09 to March-10 - State Business Manager, Punjab, Himachal, Jammu. (Span of 36 branches). Responsible for building / managing distribution network for self employed customer segement, the same involved distribution in all products (Personal / Mortgage / Machinery/ Commercial Vehicle loans) to self emplyed / business class category - May 2007 - April-09 State Manager - Delhi-NCR- Uttaranchal - Dual role of State Risk & Business Manager (Span of 9 locations across Delhi -NCR - Uttaranchal) Responsible for building/ managing profitable portfolio across self employed customers.Specialties: Steer credit policies and processesCustomer Service & Relationship ManagementProductivity / Performance ManagementCredit standards, processes and Operations Improvements