Jinesh Shah

About Jinesh Shah

I am a results-driven banking and financial services leader with close to three decades of experience in managing and growing profitable businesses across Retail Banking, Mortgages, Consumer Finance, and Wealth Management. Throughout my career, I have built expertise in business strategy, digital transformation, financial planning, sales and distribution, and credit risk management, with a focus on delivering exceptional customer experiences and driving sustainable growth.Having led some of the most dynamic portfolios in the industry, I have consistently delivered strong financial results and enhanced operational efficiency. My experience spans launching and managing a range of products— from credit cards, personal loans, and mortgages to wealth management and consumer finance solutions. I have successfully led digital transformation initiatives, including digital onboarding journeys for secured & unsecured lending, and pioneered client propositions that drive engagement and customer retention.With a proven track record in leading high-performing teams, I have also excelled in optimizing sales channels, managing complex stakeholder relationships, and leading businesses through periods of growth, crisis recovery, and transformation. My expertise in collections and debt management, honed during challenging financial periods of the Global Financial Crisis (of 20••••12), has strengthened my ability to mitigate risks and ensure portfolio quality.In my current role as Chief Executive - Urban Secured Asses & Third Party Products, I manage the largest Mortgage and Loan-Against-Property (LAP) book along with The Two-Wheeler Business, overseeing profitability, portfolio growth, and customer retention. I am also passionate about driving innovation and fostering a culture of continuous improvement, making strategic decisions that align with both business objectives and customer needs.I am always eager to connect with like-minded professionals and organizations looking to leverage my experience in transforming businesses, optimizing operations, and driving profitable growth. Let\'s connect!

Experience

1. Chief Executive - Urban Secured Assets & Third Party Products

   L&T Finance

   Feb 2025 — Present · Mumbai, IN

   As Chief Executive for Urban Secured Assets & Third Party Products, I am responsible for the business of Mortgage, LAP, Affordable Housing, Two-Wheelers and Insurance Cross-sell across L&T Finance’s multiple lines of business. This role covers the overall charge across Sales, Credit, Collections, Governance, Customer Service and Portfolio. The biggest challenge here was transforming the businesses to deliver large profits through higher revenue and lower costs while improving portfolio performance.

Education

• H R College of Commerce & Economics

  Bachelor of Commerce, Accounting & Finance

  1989 — 1994

• St. Mary' School (ICSE)

  ICSE, Accounting and Finance

  1979 — 1989

• Welingkar Institute of Management

  MMS, Finance & Marketing

  1994 — 1996

Skills

• Mis
• Credit Cards
• Retail Banking
• Credit
• Structured Finance
• Branch Banking
• Mortgage Lending
• Loans
• Business Development
• Credit Risk
• Wealth Management
• Insurance
• Investments
• Relationship Management
• Cross Selling
• Financial Services
• Underwriting
• Banking
• Team Management
• Finance
• Management