Pradeep Puri

About Pradeep Puri

A result oriented professional with around 23-24 years of experience in managing the Lending space in the Retail Assets Finance encompassing Credit Policy & Risk Management function, Credit underwriting, Internal Audit & Team Management.=> Proficient in Policy & Risk management function across all Retail Asset Products – both Secured as well as Unsecured involving Policies formulations, Portfolio Reviews, Credit Reviews, Hind Sighting, Credit trainings and providing timely feedback to the Ground level Sales & Credit teams for taking necessary corrective actions on an immediate basis.=> Handled Credit underwriting function (pre & post sanction) involving Credit Appraisals, Verification of Documents, Sanction & Disbursement of Loans, delinquency analysis and providing decision for sanction and disbursement so as to ensure that commitment to the customer on turn around time is always met.=> Worked on Product Development & Management - Formulation of new product programs, creation of process manuals, improvisation in product program etc. in line with the ongoing Business requirements.=> Managed team providing high end Risk Analytics to the Lending Business esp. the Retail Assets Businesses to manage, track and report various key risk indicators at the portfolio level. Use the analytics to track early warning measures, suggest and implement corrective action so as to maintain healthy retail assets portfolio & proactively manage the risk in the portfolio by giving lead indicators to the business and monitor action taken by the business to mitigate the risk.=> Managed Compliance & Internal Audit function effectively across asset lending businesses in a Banking as well Non Banking Financial Institution. Providing independent assurance to the Board of Directors (Audit Committees) and Senior Management on the existence and efficient working of the overall GRC (Governance, Risk and Control) framework in the organization.

Experience

1. Senior Vice President

   Tata Capital

   Jan 2010 — Present

   Earlier working as Head - Risk, CF & AB (Consumer Finance & Advisory Business) – Reporting to Head – Risk, TCFSL, I was responsible for managing Risk for all the Business verticals across Retail Assets within Tata Capital Financial Services Ltd. These included Auto, Two Wheeler, Commercial Vehicles (CV), Unsecured loans (Personal & Business Loans), Loans against Securities (LAS), Loans against Property (LAP) and Rural Finance (Tractor loans & Agri and Agri Allied businesses). Business and Risk Analytics function (BIU) also used to report into me in my earlier assignment of Retail Risk Head, TCFSL. I had moved into Internal Audit function in Nov\'16 and am currently working as Head - Internal Audit for Tata Capital Financial Services Ltd.(TCFSL). In my present capacity of Head - Internal Audit, I am reporting to Chief Internal Auditor, Tata Capital Ltd. along with dual reporting to the Audit Committee Chairman and Managing Director of Tata Capital Financial Services Ltd. as well.

Education

• Sri Venkateshwara College, Dhaula Kuan, Delhi

  B. Com (Hons.), ICWAI, ICSI, CA (Finals)

  1988 — 1991

• Ramjas School , New Delhi

  12th standard - CBSE

  1982 — 1988

Skills

• Cross Selling
• Credit Risk
• Finance
• Internal Audit
• Mis
• Banking
• Management
• Financial Services
• Portfolio Management
• Loans
• Financial Analysis
• Credit Analysis
• Relationship Management
• Credit
• Auditing
• Analysis
• Financial Risk
• Risk Management
• Team Management
• Retail Banking