ASHISH SARAF
Central Process Manager
Chikhli
Summary
Process Manager with excellent track record in collaboration across departments to evaluate, design and implement credit processes. Sound experience as credit underwriter in diversified products like Working Capital Loans, Farm Loans, Tractor Loans, Affordable Housing Finance, BL, PL etc. in both Secured and Unsecured domain. Dedicated in building and maintaining relationships with diverse range of stakeholders.
Overview
13
13
years of professional experience
4017
4017
years of post-secondary education
3
3
Languages
Work History
Central Process Manager - Credit/Risk Department
SARVAGRAM FINCARE PVT. LTD.
PUNE
11.2023 - Current
- Conducting the quarterly review of the Policy and updating the policy parameters considering the portfolio performance.
- Responsible for implementation of Policy at the organization level.
- Responsible for the Capacity Building of the credit team by conducting regular training of policy and processes for over 300 credit employees.
- Handling the new Co-lending opportunities with various Banks and FIs and setting up the process and policy for portfolio building. Currently onboarded 2 co-lenders in last 1 year.
- Responsible for creating Digital Journey for existing policy and process and liaising with Tech team for API integrations.
- Handles all the vendors end-to-end which are providing digital solutions in the customer journey.
- Monitor the credit parameters like TAT, Productivity, Manpower Stress etc at organizational level.
Cluster Credit Manager (CCM) - Rural Banking (KCC & Tractor)
IDFC FIRST BANK LIMITED.
PUNE
04.2022 - 11.2023
- Responsible for underwriting of Rural Assets Products mainly KCC and Tractor.
- Looking after wide geography of Maharashtra state which includes Pune, Nashik, Ahmednagar, Nagpur, Jalgaon, Dhule and Solapur area.
- Handling team of 6 Credit Managers who are responsible for underwriting KCC and Tractor proposals.
- Responsible for building high quality portfolio of KCC and Tractor with maintained Hygiene parameters.
- Takes care of Vendor Management and Dealer Management.
- Facilitates the amendments in process, product and policy to improve overall service delivery and customer experience.
- Aims to build a good team and healthy work environment under the domain.
Credit Manager - RBG - Risk Management
YES BANK LIMITED.
Ahmednagar
08.2019 - 04.2022
- Underwriting Working Capital Loans (Micro Enterprise Finance), KCC and Tractor loan.
- Renewal of KCC and MEF accounts.
- Maintaining Hygiene in the portfolio.
- Vendor empanelment and vendor management.
- Dealer Management for business support.
- Pre-sanction and post-disbursement customer visits.
- Operates as support and control functions to facilitate the disbursements.
- Handling Commercial Vehicle Proposals as additional responsibility.
Credit Manager - Agri Business SME
KOTAK MAHINDRA BANK LIMITED.
Aurangabad
11.2017 - 08.2019
- Underwriting Working Capital Loans (Agri SME) with ticket size up to Rs. 40 Cr.
- Underwriting Agri OD proposals.
- Renewal of Working Capital Loans.
- Collection and Monitoring of Early Delinquecy .
- Operates as support and control functions for business growth and portfolio management.
Credit Manager - Rural Lending - Agri Credit
AXIS BANK LIMITED.
Nashik
03.2016 - 10.2017
- Underwriting Agri proposals within TAT with Shikhar Discipline.
- Renewal of accounts.
- Portfolio Management.
- Vendor management.
- Conduct Pre & Post disburse visits of borrowers.
Credit Manager - Retail Agri Credit
HDFC BANK LIMITED.
Latur
01.2014 - 02.2016
- Underwriting Agri, Tractors & SLI proposals within TAT.
- Portfolio Management.
- Vendor management.
- Dealer Management for TFE.
- Conduct Pre & Post disburse visits of borrowers.
Management Trainee - Procurement and Operations
Star Agriwarehousing and Collateral Management Limited.
Kota
04.2012 - 12.2013
- Manage Spot trading with Corporates, Stockiest, Traders, Brokers and Processors to develop trade volume.
- Execute commodity deposit & WHR funding.
- Coordinate the physical movement of the traded commodity.
- Handle audit the pledged commodity conducted by financer and close the open observations.
- Tracking the profitability of spot and NCDEX trades.
Education
PGDM - ABM - Agri Business Management
Vaikunth Mehta National Institute of Cooperative Management
Pune 06.2010 - 03.2012
Bachelor of Science - Agricultural Biotechnology
College of Agril Biotechnology
Loni, Ahmednagar 06.2006 - 05.2010
HSC -
Shri Shivaji Arts, Science And Commerce College
Chikhli, BuldhanaSSC -
Adarsh Vidyalay Chikhli
Chikhli, BuldhanaSkills
Process Improvement
Personal Information
Date of Birth: 07/07/88
Work Projects Undertaken
NCDEX Spot Exchange Limited., To study the commodity financing market in the state of Madhya Pradesh., 04/2011 - 06/2011, Analyzed the various commodity financing models, Identified the key players in WR financing models, Estimated the flow of commodity financing including cost of borrowing and duration, Studied default status, Done SWOT analysis of existing commodity financing models, Evaluated the impact of e-WR and WDRA., Studied the commodity market in per view of Bankers, Traders and Warehouse Service Providers and identified the interference of pledging and future contract trading. Identified the need of e-pledge module to lubricate the future trade.
Timeline
Central Process Manager - Credit/Risk Department
SARVAGRAM FINCARE PVT. LTD.
11.2023 - Current
Cluster Credit Manager (CCM) - Rural Banking (KCC & Tractor)
IDFC FIRST BANK LIMITED.
04.2022 - 11.2023
Credit Manager - RBG - Risk Management
YES BANK LIMITED.
08.2019 - 04.2022
Credit Manager - Agri Business SME
KOTAK MAHINDRA BANK LIMITED.
11.2017 - 08.2019
Credit Manager - Rural Lending - Agri Credit
AXIS BANK LIMITED.
03.2016 - 10.2017
Credit Manager - Retail Agri Credit
HDFC BANK LIMITED.
01.2014 - 02.2016
Management Trainee - Procurement and Operations
Star Agriwarehousing and Collateral Management Limited.
04.2012 - 12.2013
PGDM - ABM - Agri Business Management
Vaikunth Mehta National Institute of Cooperative Management
06.2010 - 03.2012
Bachelor of Science - Agricultural Biotechnology
College of Agril Biotechnology
06.2006 - 05.2010
HSC -
Shri Shivaji Arts, Science And Commerce College
SSC -
Adarsh Vidyalay Chikhli
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