Saurabh Dixit

About Saurabh Dixit

With overall 17 years of experience and last 5 years as Product Head - BL & LAP at…

Experience

1. Head of Product - Business Loans & Micro Lap

   Tata Capital

   Jan 2022 — Present · Mumbai, IN

   Working with stakeholders to take Unsecured and secured BL to 3% ROA, Working on Regional/segment/program growth opportunities within risk triggers.Working on Green cohorts and scaling with stabilised policy framweorkPushing MSME Benefits for Credit cost/COF benefits across Unsecured & Secured lendingWorking with teams for Incremental productivities, Direct Business (Data Augmentation & Outreach), Central projects to increase NIM & Reduce cost. COA reduction across team focusing on Low cost channel business (25%) in Direct teams.Utilising business API such as Karza GST, AA, Q-Sure/BOT/ONDC/Sampark Customer reach module to streamline business metricsGetting mindshare of channel by increasing intensity of campaigns. Driving compliance first culture in BL & SBL working with HIndsighting/audit teamsDirect cost reduction working on processing (Cibil/FI/RCU/Call centre) & API CostsSecured Loans - Regional programs, Green Channel execution reducing TAT (Data Science, Risk, Sales, Marketing); Cibil Triggers; Partners Expansion, Fixing systemic gaps in Credit, Sales, Ops,

Education

• APJ Abdul Kalam Technological University

  B.Tech, Electronics and Communication

• Indian Institute of Management Ahmedabad

  Master of Business Administration (M.B.A.), General Management

Skills

• Training
• Project Management
• Relationship Management
• Customer Experience
• Cross Selling
• Product Management
• Sales Strategy
• Mortgage Lending
• Credit Analysis
• Cost Management
• Operational Risk
• Operational Excellence
• Sales Process Implementation
• Customer Segmentation Strategy
• People Management
• Mis
• Channel Relationship Management
• Capacity Management
• Sales Effectiveness
• Retail Banking
• Regulatory Compliance
• Credit
• Credit Risk