Vishal Chavan

About Vishal Chavan

Senior Credit & Risk professional with 13+ years of experience across NBFCs and Banks, specializing in LAP, SME, Business Loans, Mortgage Finance, and emerging asset-backed products. Currently working in a Head Office role, with strong exposure to Solar Rooftop Finance (Residential & Commercial), Small Machinery / Equipment Finance, and Business Correspondent (BC) partnership models.I bring deep expertise in credit underwriting, risk assessment, portfolio monitoring, and delinquency management, along with hands-on involvement in product expansion, credit policy implementation, and sanction authority governance (currently handling approvals up to ₹10 Lakhs).A key part of my role involves regulatory and audit engagement, including RBI inspections, internal audits, and external audits, where I regularly present portfolio behavior, system logic, underwriting norms, and end-to-end process flows. I actively support audit closures related to both credit risk and system/process gaps.I have been closely involved in system development and transformation initiatives, including work on Jayam, FinnOne, and Jokarta, UCIC implementation, LOS/LMS migration, UAT support, and data governance, ensuring alignment between business, risk, and technology teams.With extensive multi-state exposure (Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, Telangana), I work closely with IT, Product, Operations, Collections, Compliance, and Legal teams, and lead HO credit teams through mentoring, quality reviews, and TAT governance.

Experience

1. Senior Credit Manager

   Electronica Finance Limited

   Dec 2018 — Present · Pune, IN

   Underwriting and approval of LAP (Salaried, SENP, SEP), Business Loans, Solar Rooftop (Residential & Commercial), and Small Machinery loans.Active involvement in product expansion, including Solar Finance and machinery-backed lending solutions.Exposure to BC (Business Correspondent)/ Business Partnership models, including risk framework alignment and process evaluation.Conducted business premise visits and personal discussions for high-value self-employed cases (₹15 Lakhs and above).Sanctioning Authority of ₹10 Lakhs.Regular portfolio reviews, delinquency analysis, and structured coordination with collections teams.Key contributor during RBI audits, internal audits, and external audits, explaining portfolio behavior, system logic, underwriting norms, and end-to-end process flows.Managed closure of audit observations related to credit, system gaps, and process deviations.Played a critical role in system development and enhancements across Jayam, FinnOne, and Jokarta.Actively involved in UCIC implementation, data hygiene, customer de-duplication, and reporting accuracy.Supported system migration projects, including UAT support, data validation, and user training.Empanelment and management of Legal, Technical, FI, and Valuation agencies across Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, and Telangana.HO Team Management: mentoring junior credit managers, reviewing cases, setting approval benchmarks, and ensuring TAT adherence.

Education

• VH Stål

  Bachelor of Commerce

• V. G. SHIVDARE COLLEGE OF ARTS, COMMERCE AND SCIENCE, JULE SOLAPUR - 1, VIJAPUR ROAD, SOLAPUR 413004

  Bachelor of Commerce - BCom, Commerce

• Jagruti vidya mandir Solapur

  10th Class

• Punyashlok Ahilyadevi Holkar Solapur University, Solapur

  Bachelor of Commerce - BCom, Business/Commerce, General

• Bharati Vidyapeeth junior college solapur

  12th Class, Commerce