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Regional Credit Manager, YES Bank Limited
June, 2018 - Present

  • Manage unsecured loan portfolio for West1 Region, consistently exceeding benchmarks in TAT, credit quality, and profitability.

  • Lead and develop an 11-member credit team, fostering high-performance culture and cross-functional collaboration.

  • Monitor team performance, define benchmarks for review cycles, and implement tracking systems for continuous improvement.

  • Review early warning indicators and align mitigation strategies to enhance portfolio health and reduce delinquency risks.

  • Function as strategic liaison with Policy and Product teams to refine credit norms and align processes with evolving market trends.

  • Conduct in-depth portfolio analytics, including geo-level insights and cost-of-credit assessments to inform business strategy.

  • Evaluate, recommend, and track upgrades to internal software systems and API integrations to improve operational efficiency.

  • Oversee vendor relationships (CPV/PD partners), ensuring service-level adherence, quality controls and cost efficiency.

  • Build strong stakeholders’ partnerships and represent credit function in regional business reviews with senior leadership.

  • Design and implement scorecard-based triggers to control high-risk zones and improve early-stage delinquency performance.

  • Standardize onboarding framework for new credit hires, aligning induction with operational policies and digital platforms.

Senior Credit Manager, Kotak Mahindra Bank Limited
April, 2015 - May, 2018

  • Led credit appraisal and decision-making for high-value unsecured business loan proposals, aligning risk strategy with organizational goals.

  • Collaborated closely with collections and sales leadership, jointly resolving stressed accounts and structuring turnaround strategies.

  • Steered early warning and portfolio risk monitoring, proactively finding signals of credit deterioration and recommending pre-emptive actions.

  • Prepared monthly portfolio insights for senior management, highlighting risk trends and recommending strategic interventions.

  • Performed deep-dive assessments on segment-level performance to identify emerging stress pockets and influence regional strategy.

  • Monitored adherence to audit and compliance requirements, supporting internal reviews and reporting protocols.

  • Drafted risk memos for complex proposals requiring exceptions, ensuring thorough justification and alignment with internal controls.

2010 - present

Credit Manager, HDFC Bank Limited
Sept, 2012 - March, 2015

  • Launched career in Credit risk with HDFC Bank's CTG Credit team, gaining firsthand experience in underwriting Commercial vehicles loan proposals

  • Conducted comprehensive financial and operational analysis through CAM preparation, bank statements, Tax filings, and field validations

  • Assessed creditworthiness of individual and small-business applicants, balancing portfolio quality with business goals

  • Supported senior credit leaders in documentation validation, deviation handling, and risk classification of high-volume cases

  • Identified fraud indicators via document verification, Digital Verifications and bureau checks, supporting stronger control systems

  • Coordinated with sales, operations, and collections to ensure smooth end-to-end processing and mitigate early-stage delinquencies

  • Maintained MIS trackers and contributed analytical inputs for regional credit reviews to drive data-backed decision-making

2010 - present

Audit Manager, Hitesh Thakkar & Associates
May, 2011 - Sept, 2012

  • Conducted vouching and verification of financial statements, ledgers, and statutory records to ensure alignment with regulatory norms and audit standards

  • Delivered detailed audit observations and insights that helped clients implement corrective actions and strengthen financial governance

  • Enhanced audit accuracy by 20% by identifying recurring anomalies, documenting root causes, and recommending targeted improvements

  • Managed internal and statutory audits for SMEs and mid-sized corporates across industries, ensuring timely execution and reporting

  • Ensured timely adherence to statutory obligations including MCA filings, direct and indirect tax compliance, and sector-specific legal requirements across varied client portfolios

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