Rajesh Shah

National Credit Manager @Poonawalla Fincorp

Jaipur, IN

As the National Credit Head, I oversee the underwriting and credit management processes for a diverse range of financial products, including Affordable Housing Loans, Loan Against Property (LAP), SME Business Loans, and Supply Chain Finance. I lead a team of over 200 professionals, ensuring rigorous credit risk assessments, seamless loan processing, and adherence to compliance standards. My role involves driving digital transformation initiatives, implementing advanced loan origination systems, and fostering innovation in credit evaluation frameworks to enhance operational efficiency and customer satisfaction.Achievements- Spearheaded the growth of the unsecured lending portfolio to over crores, driving product innovation and maintaining exceptional portfolio quality- Successfully integrated Poonawalla Finance post-acquisition, shaping the company’s strategic direction and operational framework- Designed and implemented a \"Straight Through Process\" for loan sanctioning, significantly reducing cycle times and improving customer experience- Led a digital transformation initiative, transitioning to a paperless underwriting environment and integrating advanced CRM tools and API-driven solutions- Developed and executed data-driven risk mitigation strategies, reducing potential exposure and optimizing portfolio performance.