Tushar Salunke
Senior Manager Product Risk Strategy @IDFC FIRST Bank
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WORK HISTORY
Senior Manager Product Risk Strategy @IDFC FIRST Bank
Mumbai, IN
Lead Product Risk Strategy for KCC Crop Loans, Microfinance, Micro Business Loans, and Gold Loans, aligning risk appetite with growth and profitability goals.• Review, design, and approve Credit Policies for Rural Finance products, ensuring regulatory compliance and strong portfolio quality.• Analyze and define risk appetite frameworks, proactively tweaking credit policies to balance risk control, market competitiveness, and sustainable profitability.• Drive initiatives to reduce credit costs through portfolio monitoring, policy interventions, and early risk identification.• Spearhead Digital Product Risk Frameworks, partnering with technology teams for system development, automation, and risk enhancement.• Enable scalable and secure lending by integrating data-driven risk controls without compromising customer experience or product offerings.
EDUCATION
PMM INNER WHEEL SCHOOL AMBERNATH
High School Diploma, High School/Secondary Diploma Programs
Maharashtra Institute of Technology Aurangabad
Bachelor of Technology (BTech), Agricultural Engineering
Vaikunth Mehta National Institute of Cooperative Management
Master of Business Administration (MBA)(PGDM), Agricultural Business and Management
ABOUT TUSHAR SALUNKE
Tushar is a Passionate Banker who is currently working as Product Strategy Manager handling Crop Loan(KCC), Tractor,MFI, Micro business loans,Has Total 9.8 yrs of experience bifurcated into Policy,Product,Process,audit exposure,Credit underwriting & monitoring of Agri & unsecured loans,have Handled PSL Credit Monitoring,compliance & it\'s regulatory reporting at Bank level for Kotak Mahindra Bank & has credit underwriting experience of Crop loan(KCC), Tractor loan & Microfinance loan with HDFC BankBank with PGDM in Agribusiness Mgmt from prestigious VAMNICOM PUNE
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