Sumit Jhanwar

Experience

1. Credit Policy Manager

   L&T Finance

   Nov 2021 — Present · Mumbai, IN

   Policy Writing and Portfolio Monitoring: Working on policy amendments, evaluating special schemes for dealers and funding grids of tractors, increasing the funnel of preapproved top loans for repeat customers, working on new product proposals, BRE, app score card and banking scorecard developments, increasing the STP pool for new and top up loan and introduced branch scoring model for identification and monitoring of delinquent branches.Preparing Monthly Portfolio Governance Deck: Based on multiple metrics such as delinquency trends – both coincidental and lagged, roll rates, NNS and EMR tracking and analyzing credit team’s feedback for further action, vintage (MOB) wise portfolio analysis, state wise portfolio performance deep dive and identifying delinquent and business opportunity segments, peer performance comparisons, monitoring CD efficiency and hygiene factors such as RC pendency, delayed deposit etc.New Product Launch:Warehouse Receipt Finance: Credit policy writing - Defining eligibility guardrails, product features, monitoring mechanism and risk mitigation. Defining requirements for end-to-end digital processes, BRE rules implementation, app and underwriting portal development, system testing and UAT, defining vendor requirements and management - perfios, novel pattern, agri watch, various collateral managers, etc. Ideation of credit guardrails for Agri Input Credit – A new product to fund farmers for their agricultural input requirements. Liaising with IT team/ Ops Team for any credit related system/process changes and preparation of required BRDs.Key Achievements: Significantly contributed towards organization\'s aim of moving to a customer centric approach through policy reimaging and realignment in key markets. Identifying prime customers and designing specialized offerings. Received certification of appreciation from Chief Risk Officer for significant contribution towards building of new products under the Farmer Finance Division.

Education

• Institute of Rural Management Anand (IRMA)

  Post Graduation Diploma in Rural Management

  2014 — 2016

• Global Association of Risk Professionals (GARP)

  FRM Level 1

  2018 — 2018

• CFA Institute

  CFA Level 3 Candidate

  2023 — 2023

• Maharaja Surajmal Institute Of Technology

  Bachelor’s Degree

  2010 — 2013

• Indian Institute of Banking and Finance (IIBF)

  Junior Associate of IIBF (JAIIB) and Certified Associate of IIBF (CAIIB)

  2017 — 2017