Executive Overview
CAREER SUMMARY · 25+ years of operation depth in Consumer Lending across geographies with expertise in managing Product, Credit, Collections, Enterprise Risk, and Analytics in both mature and developing markets · Passionate about using the power of data, analytics, and technology to drive innovative and sustainable business while balancing sophistication and pragmatism · Extensive experience in developing robust risk management frameworks, leading organizations through the risk lifecycle, and fostering a strong risk management culture · Demonstrated ability in developing and maintaining relationships with key stakeholders, including Regulators, Credit Information Services, Rating Agencies, Funding Partners, and Investors. · Seasoned leader with a high sense of integrity and demonstrated ability to lead team of professionals in diverse settings (direct and matrix) and passionate about people development and building high performing teams CORE SKILLS · Credit Risk Management, Enterprise Risk, Collections and Analytics · Consumer Risk Modeling, LTV Frameworks, and Cash Flow Underwriting · Strategic Thinking and Execution · Change Management and Adaptability · Stakeholder Engagement & People Development
Career Timeline
- Home Credit IndiaCurrentJul 2020–Present· 6 yrs 2 mos
- Chief Risk OfficerCurrentJul 2020–Present
- Oct 2011–Jul 2020· 8 yrs 9 mos
- Head, Credit Risk Management - South Asia & ASEANAug 2016–Jul 2020
- Head - Credit Policy and Portfolio Risk, Retail BankingOct 2015–Jul 2016
- Head - Credit - Cards, Personal Loans and Home LoansOct 2011–Sep 2015
- 2009–Sep 2011· 2 yrs 8 mos
- Sr Business Manager - Small Business Bank Lending2009–Sep 2011
- 1999–2008· 9 yrs
- Sr Business Manager - Card Acquisition2005–2008
- Business Manager - Card Portfolio (Account) Management2003–2005
- Sr Business Analyst - Collection and Recoveries Strategy & Analysis1999–2003
Education
MBA
Marketing
The University of Texas at Arlington
B.E.
Civil Engg.
The Maharaja Sayajirao University of Baroda