Ganesh M
Davinta Finserv | NBFC | Credit and Risk | Supply Chain Finance | Jai Kisan | Bharath Kisaan | Fintech | MBA at Symbiosis (Pune)
- Role
- Credit Manager at Davinta
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Ganesh M
Experienced in the Fintech Industry | Credit Specialist | Credit Underwriting | Credit…
Experience
Credit Manager
Feb 2024 — Present · Bengaluru, IN
Credit Manager @ Credit and Risk team – Supply Chain Finance | Tech-Enabled Lending | NBFCAs a Credit & Risk Manager, I oversee the credit underwriting and risk management framework for our tech-enabled supply chain finance business. My role involves assessing creditworthiness, structuring facilities, and mitigating risks while leveraging data-driven insights and digital lending models.Key Responsibilities: Credit Evaluation & Underwriting:Assess credit profiles of MSMEs, distributors, and vendors using financial & alternative data.Analyze financials, cash flows, and business models to structure suitable credit facilities.Develop risk-based credit scoring models aligned with digital lending. Risk Management & Policy Development:Design and enhance credit policies, risk frameworks, and underwriting guidelines.Identify risks in invoice discounting, channel financing, dealer/vendor financing, and implement mitigations.Ensure compliance with RBI norms and internal risk appetite. Tech-Driven Lending & Analytics:Collaborate with data science & tech teams to develop automated risk assessment models.Leverage AI, ML, and alternative data for real-time credit decisioning.Optimize digital lending journeys to improve efficiency and reduce turnaround time. Portfolio Monitoring & Stress Testing:Monitor portfolio health, track early warning signals, and implement proactive risk controls.Conduct stress testing and scenario analysis to ensure a resilient credit portfolio.Work with collections teams on risk mitigation strategies for delinquent accounts.
Education
Symbiosis Institute of International Business
Master of Business Administration - MBA
2018 — 2020
College of Horticulture, Mysore
Bachelor of Science - BS
2014 — 2018
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