Prashant Awasthi

About Prashant Awasthi

Credit Risk & Supply Chain Finance professional with 9+ years of experience across NBFC and FinTech organizations. Currently working as an Area Credit Manager, specializing in SCF, MSME lending, Dealer/Vendor Finance, Line of Credit, Factoring, and Term Loans.Strong expertise in credit underwriting, financial analysis, portfolio management, risk assessment, policy formulation, and regulatory compliance, with delegated approval authority up to ₹1 Cr. Proven track record in managing PAN-India portfolios, high-value customers, and maintaining portfolio quality with minimal delinquency.Experienced in collaborating with Business, Collections, Analytics, and External Lenders (Co-lending), driving process automation, improving TAT, and training high-performing credit teams. Passionate about building scalable, data-driven, and profitable credit portfolios in the NBFC/FinTech ecosystem.

Experience

1. Area Credit Manager - Scf

   Hero FinCorp

   Nov 2023 — Present · Lucknow, IN

   Credit Risk Assessment: Conduct thorough credit risk assessments of proposals of Supply Channel Finance (SCF), including analyzing financial statements, project reports, and market data.• Handling product like SID, PID, Vendor Finance and Factoring, with approving authority upto Rs 1 Cr.• Risk Mitigation: Develop and implement risk mitigation strategies to minimize credit risk exposure.• Credit Approval: Prepare and present credit proposals to the credit committee for approval.• Portfolio Management: Monitor and manage the credit risk portfolio, identifying potential issues and taking proactive measures to mitigate risk.• Stakeholder Management: Collaborate with internal stakeholders, including project finance teams, relationship managers, and credit committees.• Due Diligence of Corporate Clients and Analyzing Primary and Secondary Collateral Quality• Credit Rating of New and Existing Clients and EWS of Existing Clients• Regulatory Compliance: Ensure compliance with regulatory requirements and internal policies related to credit risk management.

Education

• University of Lucknow

  Bachelor's degree, Physics

  2005 — 2008

• IBMR Business School

  MBA

  2009 — 2011

Skills

• Risk Management
• Team Management
• Management
• Aml
• Microsoft Office
• Analysis
• Business Analysis
• Financial Analysis
• Data Analysis
• English
• Market Research
• Brazilian Portuguese
• Research