Santosh Kumar A.
A seasoned professional with over 20 years of experience in Retail & Rural Lending (Product, Credit, Risk & Strategic planning, Operations)
- Role
- Credit Leader at Ujjivan Small Finance Bank
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Santosh Kumar A.
Accomplished credit leader with extensive experience in the banking & Financial sector…
Experience
Credit Leader
Feb 2023 — Present · Bengaluru, IN
Conducting periodical review meetings with the business head, Chief Credit Officer & Chief Risk Officer for aligning credit policy to business needs and portfolio quality. Portfolio reviews covering areas of delinquency reports, perusing Early Warning System (EWS) reports. Focus on portfolio Intervention and resolutions strategies with the business unit in order to Improve asset quality. Ensure for compliance to procedures laid down for processing, sanction, documentation and disbursement of various loan products. Identifying and Implementing system and process Improvements to ensure accurate, thorough data is available to support high quality analysis. Analysis of portfolio and ensuring portfolio monitoring, trigger reviews & delinquency controls. Introduce projects related to process Improvement, business development and risk reduction. Study competition and anticipate market trends, creating programs to counter competition and Improve business results. Ensuring credit deviations are within control by monitoring underwriting quality, achieving credit cost reduction through programs focused on process and productivity. Ensuring for FI and approvals are done as per the turnaround time matrix of the organization. CPV vendor selection & Onboarding as per defined selection norms, managing vendors training and monitoring TAT. New segment business proposals presentation to board for approvals, Launched Trade Advance and Electrical 3 Wheeler loans with streamlining Two-Wheeler loans as per the organization expectations. Policy & process changes as per Industry practice and data analytics, presentation in “Credit Risk Approval Committee”, “Policy Approval Committee” & “Process Risk Approval Committee” and obtained approvals. System development for the products in LOS with managing of BRE rule engine and score card, automation for Two Wheeler loans.
Education
Pt. Ravishankar Shukla University, Raipur
Master's degree
2002 — 2004
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