Santosh Kumar
Senior Manager - RPM : Risk & Process Management | Expert in Microfinance & BC Business | Driving Compliance & Underwriting Excellence at Axis Bank (North Zone)
- Role
- Senior Manager - Rpm at Axis Bank
- Location
- Lucknow, UP, IN
- LinkedIn followers
- 500 followers
About Santosh Kumar
Leadership and Oversight: Managed the Process, Compliance, and Underwriting teams for Microfinance operations across Uttar Pradesh, Uttarakhand, Haryana, and Madhya Pradesh regions. Supervised BC (Business Correspondent) operations in Punjab, Haryana, Uttar Pradesh, Uttarakhand, and Himachal Pradesh through SUB-K and ShriFin.Product Management: Oversaw Joint Liability Group (JLG) and Individual Loan (IL) products across the entire North Zone, ensuring smooth operations and alignment with organizational goals.Credit Appraisal and Monitoring: Conducted and managed credit appraisals for Individual Loans (IL) via video and physical personal discussions (PD). Monitored loan performance, identified risks, and collaborated with the Business Team to address defaults effectively.Audit and Compliance: Directed internal, regular, monitoring, and surprise audits for Microfinance and BC businesses using the Anusandhan A360 web portal and mobile application. Ensured strict adherence to Standard Operating Procedures (SOPs) and compliance guidelines, escalating critical issues (Zero Tolerance/High/Medium/Low risks) and submitting actionable reports to stakeholders.Training and Development: Delivered comprehensive training sessions to the Business Team on risk management, compliance policies, and SOP adherence. Fostered a culture of operational excellence and risk awareness.Process Improvement: Implemented innovative strategies to enhance productivity while ensuring zero financial misappropriation and compliance-related discrepancies across the zone.
Experience
Senior Manager - Rpm
Apr 2025 — Present · Lucknow, IN
Leadership and Oversight: Managed the Process, Compliance, and Underwriting teams for Microfinance operations across Uttar Pradesh, Uttarakhand, Haryana, and Madhya Pradesh regions. Supervised BC (Business Correspondent) operations in Punjab, Haryana, Uttar Pradesh, Uttarakhand, and Himachal Pradesh through SUB-K and ShriFin- Product Management: Oversaw Joint Liability Group (JLG) and Individual Loan (IL) products across the entire North Zone, ensuring smooth operations and alignment with organizational goals- Credit Appraisal and Monitoring: Conducted and managed credit appraisals for Individual Loans (IL) via video and physical personal discussions (PD). Monitored loan performance, identified risks, and collaborated with the Business Team to address defaults effectively- Audit and Compliance: Directed internal, regular, monitoring, and surprise audits for Microfinance and BC businesses using the Anusandhan A360 web portal and mobile application. Ensured strict adherence to Standard Operating Procedures (SOPs) and compliance guidelines, escalating critical issues (Zero Tolerance/High/Medium/Low risks) and submitting actionable reports to stakeholders- Training and Development: Delivered comprehensive training sessions to the Business Team on risk management, compliance policies, and SOP adherence. Fostered a culture of operational excellence and risk awareness- Process Improvement: Implemented innovative strategies to enhance productivity while ensuring zero financial misappropriation and compliance-related discrepancies across the zone.
Education
ICFAI Business School
Master of Business Administration - MBA, Risk Management & Internal Audit
Delhi University
Bachelor of Arts - BA, Political Science and Government
2009 — 2011
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