Vigneshwaran Subramanian Email and Phone Number

Strategic Leadership*Credit Strategy*: Develop and implement the credit strategy, aligned with the overall mission and goals.*Risk Management*: Oversee the credit risk management function, ensuring that the MFI's credit portfolio is managed within acceptable risk parameters.*Policy Development*: Develop, review, and update credit policies, procedures, and guidelines to ensure they are aligned with regulatory requirements and industry best practices.*Credit Operations*1. *Loan Origination*: Oversee the loan origination process, ensuring that all loans are originated in accordance with the MFI's credit policies and procedures.2. *Credit Appraisal*: Ensure that all loan applications are thoroughly appraised, and that credit decisions are made based on a thorough analysis of the borrower's creditworthiness.3. *Loan Disbursement*: Oversee the loan disbursement process, ensuring that all loans are disbursed in a timely and efficient manner.*Portfolio Management*1. *Portfolio Monitoring*: Oversee the monitoring of the credit portfolio, ensuring that all loans are performing as expected.2. *Delinquency Management*: Develop and implement strategies to manage delinquencies, ensuring that the MFI's credit portfolio remains healthy.*Regulatory Compliance*1. *Regulatory Requirements*: Ensure that the MFI's credit operations are compliant with all relevant regulatory and SRO requirements.2. *Audits and Inspections*: Coordinate with internal and external auditors, as well as regulatory inspectors, to ensure that the MFI's credit operations are transparent and compliant.*Team Management*Team Leadership: Provide leadership and guidance and ensuring that all team members are aware of their roles and responsibilities.Board and Management: Provide regular updates to the Board, Audit and Risk Management Committee on the performance of the credit portfolio.*Regulators*: Ensure that the MFI's credit operations are compliant with regulatory requirements.

Designing and implementing risk management processes.Analyzing current risks and identifying potential risks that are relevant, including concentration/geographical risk etc. Assisting preparation of policy.Preparation of ICAAP Policy & Process.Preparing various Risk Management Reports using analytical tools and as per the requirement of the respective authorities.Assessment of Due Diligence of Vendors and Outsourcing Risk.Alerting the stakeholders on events that will affect the business of the company, by having close co-ordination with IT.Proper co-ordination with SROs (MFIN and Sa Dhan) and other agencies to have market intelligence on day to day basis.Analyze the comparative performance of Peers and submit reports periodically.Attending compliance matters as required by regulators through various circulars.Preparing various types of data for ALCO/RMC/Audit/Board committees and for placing ATR to these committees.Vetting of policies of other related functions before presenting it to respective authorities for approval.Building risk awareness amongst staff by providing support within the company.

Analysing of General Ledger, Bill of Materials and Financials, Verification of Cost Records and Audit, Inventory valuation, MIS,Preparation of Cost Statement, Profit Reconciliation between Cost and Financial Accounts and GST Reconciliation.