Manish Odeka

About Manish Odeka

Extensive experience in the Retail Mass Market across geographies over mobility, Digital and Physical channels • Risk & Credit for Consumer finance and Retail Asset products - Digital lending, BNPL, Rural markets, Microfinance, Two wheeler & Vehicle finance, Personal Loans, Home Loans and Mortgages, Liability and Insurance, MSME finance, Purchase financing, Sales checkout finance, Supply chain finance and Invoice Discounting.• Constructing Models & Analysis, Scorecards with Data science & Algorithm implementationECL forecasting, Stress-testing of portfolio, Collection & Litigation strategy. IndAS and IFRS accounting standards.•.Extensive grip over Enterprise Risk Management covering Credit & Risk Management, Operational Risk, Liquidity Risk, Fraud and Vigilance, Legal & Compliance, Product & Business Strategy, Operations, Financial Planning, Transaction Banking and Process Management. Building Risk capabilities.• Banking & Business Operations: Cash Management & Fund services, Transaction banking and mid-office treasury, Loan Operations, experience in setting up entire Transaction banking network and channels• Business Rule Engine and Decision Management systems with Artificial Intelligence and Machine Learning techniques with RPA legworks.• IT Skills: Tech-savvy. Designed & deployed entire loan application and management solutions on mobility, web, distribution network for seamless acquisition journey. Build modules on Collateral Management, Collections & Reconciliations, Inventory & Transaction Banking.

Experience

1. Chief Risk Officer

   Hiranandani Financial Services

   Jun 2019 — Present · Mumbai, IN

   Building a 0-1 scalable MSME lending practice with a sustainable business model in the vast self-employed mass-market. Customer-centricity and operational effectiveness are the only two pivots in building this, through mix of mobility / web / phygital / conventional brick n mortar models.Constructing capabilities with an output focused culture through technological interventions.Building an Excellent & Effective Credit-underwriting unit along with pragmatic Risk policy team constituting Program Risk unit, anti-fraud, portfolio analytics and debt service management team.

Education

• HindMotor High School

  Secondary, School

  1984 — 1993

• St. Xavier's College, Kolkata

  B Com (Honors), Commerce

  1995 — 1998

• St. Lawrence High School, Kolkata

  Sr Secondary, Higher Secondary commerce

  1993 — 1995

• Temasek Management Services

  Leadership Program, Organizational Leadership

  2015 — 2015

• The Institute of Chartered Accountants of India

  Chartered Accountant, Accountancy

  1997 — 2002

• HindMotor Education Centre

  Primary School, was able to tie my shoe laces

  1979 — 1984

• Emeritus

  PGDBM, Business Administration and Management, General

  2016 — 2017

Skills

• Banking
• Risk Management
• Team Management
• Portfolio Management
• Loans
• Debt Collection
• Strategy
• Credit Analysis
• Vendor Management
• Kyc & Aml
• Reconciliations
• Financial Risk
• Core Banking
• Business Planning
• Operations Management
• Asset Based Lending
• Branch Banking
• Mortgage Lending
• Business Process Improvement
• Financial Analysis
• Consumer Lending
• Business Strategy
• Finance
• Cash Management Services
• Credit Risk
• Mis
• Leadership
• Financial Transactions
• Product Management
• Account Reconciliation
• Credit
• Cash Management
• Management
• Business Process Design
• Retail Banking
• Financial Services
• Crm
• Risk Strategy
• Product Development
• Transaction Banking