Y R S & CO

Worked with Kotak Mahindra Bank for 11+ years. Last position held as Head of Central Underwriting for Home Loans, Loan against Property, Working Capital & Business Loans
Worked with Reliance Home Finance Limited for 3+ years. Last position held as Head of Credit & Risk managing Home Loans, Affordable Housing, Loan against Property & Construction Finance

Underwriting expertise for major retail products. Have managed team size of more than 100 credit managers wherein sizeable number was of CAs
Established hindsighting unit for first time in Kotak with an intent to control quality of underwriting and to keep constant check on underwriters
Was part of various digital projects in Kotak and Reliance which included Digital lending platform, PDD management system, Automation of CAM, Evaluation of LOS system, etc.
Was a key team member which evaluated and acquired Barclays BIL portfolio in Kotak
Was a key member of integration team when ING Vysya Bank got merged with Kotak Mahindra Bank
Took various measures in Reliance to control portfolio quality which included detailed portfolio and policy evaluation
Expertise in team management, portfolio analysis, digital advisory and process/policy evaluation

𝗣𝗥𝗢𝗣𝗥𝗜𝗘𝗧𝗢𝗥