Siddharth Upadhya

About Siddharth Upadhya

I bring to the table my 20 years of dynamic and vast experience as a revenue-centric Business Leader, with success in integrating and driving successive digital lending verticals, building lending products (unsecured), and propelling p&l functions. With strong commercial and business acumen, I enhance high-gross incremental revenue by defining digital customer experience and journey mapping. As a result of the skills gained, I am able to manage a Retail Lending business, reviewing and approving credit policies for various Retail Unsecured products, while tracking macroeconomic developments. I specialize in recommending dynamic roadmaps for lending businesses, including digital product development, identifying growth opportunities, partnerships, and alliances, customer segmentation, and GTM planning. Based on market trends and guidelines, I have successfully designed and implemented various frameworks and models to cater to the entire retail portfolio throughout my career.By using statistical data, I slash retail portfolio credit risk by developing and deploying underwriting models and detecting fraud. For retail portfolios across lifecycles, I analyze opportunities and develop credit scoring models, assessment tools, strategies, and capital estimate models (PD, LGD, and EAD).Ace in communication skills which have transformed me into a high-caliber professional who can resourcefully deal with key stakeholders. Infused with an innate ability to forge strong connections, can be easily contacted on LinkedIn or on by email: s••••••••@gmail.com

Experience

1. Head of Credit - Unsecured

   Godrej Capital

   Jun 2023 — Present · Mumbai, IN

Education

• University of Jammu

  Master of Business Administration (MBA), Marketing

  2003 — 2005

• Indian Institute of Management, Calcutta

  1 Year Executive course in Business Startegy, Business Administration and Management, General

• Nagbani

  matric, English, Physics, Economics

  1986 — 1995

• TQMI

  Certified LEAN Practioner, Quality Control

  2011 — 2012

• Indian School of Business

  Executive Program in Strategy and Finance , Business Administration and Management, General

Skills

• Business Development
• Product Management
• Banking
• Risk Management
• Team Management
• Retail Banking
• Relationship Management
• Credit
• Channel Sales
• Mis
• Underwriting
• Cross Selling
• Credit Risk
• Branch Banking