Jagprit Singh

About Jagprit Singh

A seasoned Credit Risk Leader with 17+ years in India\'s top housing finance and NBFC…

Experience

1. Head of Credit & Policy

   Kreditventure

   Oct 2024 — Present · IN

   Credit Policy Formulation:Develop and update credit policies for various loan products, defining risk parameters, eligibility criteria, and credit limits in line with the company’s risk appetite and regulatory standards.Risk Assessment and Management:Oversee credit risk assessment for individual and corporate customers, ensuring portfolio-wide risk is managed within acceptable levels. Implement systems for early warning and proactive risk identification.Credit Approval and Underwriting:Lead the approval and underwriting processes for high-value loans, guiding the credit assessment team in evaluating applications, with a balance of risk and growth in mind.Portfolio Quality Management:Monitor portfolio health, analyze trends in delinquencies and NPAs, and work with collections to maintain recovery rates and reduce non-performing assets.Policy Compliance and Regulatory Adherence:Ensure all policies comply with regulatory standards (e.g, RBI guidelines) and update practices in response to changes, coordinating with compliance for adherence to fair lending and privacy standards.Team Leadership and Training:Lead the credit and risk teams, providing training on new techniques, regulatory updates, and effective risk management practices, building a high-performing, risk-aware culture.Technology and Data Analytics Integration:Integrate data analytics for improved credit decision-making, predictive modeling, and process automation, enhancing accuracy and efficiency.Stakeholder Management and Reporting:Communicate credit policy updates and portfolio performance to senior management and stakeholders, providing insights on growth, risk, and areas for improvement.Product Development and Market Insights:Collaborate with product and marketing teams to develop competitive loan offerings based on market trends and risk assessments, ensuring alignment with business objectives.

Education

• University of Calcutta

  bachelor in commerce (Hons)

  2004 — 2007

• The Institute of Chartered Accountants of India

  Chartered Accountancy (Final Pursuing)

  2008 — 2011

Skills

• Commercial Mortgages
• Indirect Taxation
• Auditing
• Financial Analysis
• Corporate Governance
• Finance
• Internal Audit
• Compliance
• Due Diligence
• Mergers & Acquisitions
• Credit Analysis
• Mis
• Private Equity
• Financial Audits
• Tax
• Corporate Finance
• Project Finance
• Tally Erp
• Residential Mortgages
• Financial Accounting
• Anti Money Laundering
• Financial Reporting
• Strategic Financial Planning
• Account Reconciliation
• Ifrs
• Target Costing
• Credit
• Restructuring
• Cash Flow
• Banking
• Mortgage Banking
• Vat