Abishaik Sivakumar
Senior Manager
Chennai
Summary
Seasoned Subject Matter Expert in lending with 5+ years of experience in business loans, credit risk assessment, and compliance. Proven success in working closely with cross-functional IT and product teams to drive innovation, improve loan processing workflows, and support the digital transformation of lending operations. Strong communicator with the ability to translate domain knowledge into actionable insights for tech enablement and system development.
Overview
7
7
years of professional experience
6
6
years of post-secondary education
3
3
Languages
Work History
Senior Manager – Lending SME
Muthoot Fincorp Ltd
03.2023 - Current
- Acted as domain SME for a zone of 350+ branches; partnered with internal IT teams to improve lending platform features.
- Regularly gathered feedback from branches on product gaps and relayed it to product/tech teams for system enhancements.
- Delivered presentations and conducted training sessions for regional leaders on digital lending tools and risk policies.
- Reviewed loan underwriting data and collaborated on process changes to reduce FTR/FTNR ratios.
- Supported testing and rollout of updated workflows in the loan management system (LMS).
- Provided business logic inputs to define loan approval rules in the system.
- Framed and revised credit policies for business and gold loans in alignment with operational feedback, regulatory changes, and evolving market risk profiles.
- Collaborated with product and IT teams to support new lending product testing, offering functional insights and validating workflows through User Acceptance Testing (UAT).
- Contributed to system enhancement initiatives by analyzing recurring issues from branches, recommending feature improvements, and participating in feedback loops for digital lending tools.
- Acted as a domain expert in cross-functional discussions, helping align lending processes with platform capabilities and user experience requirements.
- Played a key role in pilot testing and rollout of updated credit decisioning features, providing structured feedback on usability, compliance, and approval logic.
Assistant Manager – Credit & Lending Operations
HDFC Bank
01.2020 - 09.2022
- Validated and processed over 10,000 credit card and personal loan applications, ensuring system compliance and fraud detection.
- Collaborated with infrastructure and product testing teams to support updates in credit platforms.
- Served as a key point of contact for system testing (UAT) and user feedback gathering for loan process improvements.
- Ensured AML and KYC controls were embedded into digital lending workflows.
- Designed reports and data summaries for internal use to identify approval bottlenecks and mitigate risk exposure.
Graduate Engineer Apprentice
Avalon Technologies
08.2018 - 08.2019
- Worked in an electronics product manufacturing environment; familiar with technical documentation and structured testing environments.
- Developed foundational skills in systems thinking and quality assurance, relevant for tech-product support functions.
Education
MBA - Finance and Accounts
07-2025
B.E. - Electrical and Electronics Engineering
04.2001 - 01.2018
GPA: CGPA: 7.2
Diploma - Electrical and Electronics Engineering
GPA: 82.31%
Skills
Lending Product Expertise
Credit Risk Assessment
Policy Design
Product Development
Testing Support
Functional Analysis
Lending Workflow Design
Digital Lending Processes
Stakeholder Communication
Team Collaboration
KYC/AML Compliance
Risk Monitoring
Documentation
UAT
Feedback Loop Management
Technical Skills
- MS Office Suite
- Lending Workflow Systems (Internal LMS, Credit Platforms)
- Experience Supporting Lending Tech Enhancements
- Hands-on Coordination with Product & Testing Teams
Timeline
Senior Manager – Lending SME - Muthoot Fincorp Ltd
03.2023 - Current
Assistant Manager – Credit & Lending Operations - HDFC Bank
01.2020 - 09.2022
Graduate Engineer Apprentice - Avalon Technologies
08.2018 - 08.2019
Panimalar Institute of Technology - B.E., Electrical and Electronics Engineering
04.2001 - 01.2018
Srinivasa Subbaraya Polytechnic College - Diploma, Electrical and Electronics Engineering
BITS Pilani - MBA, Finance and Accounts