Experienced lending risk professional with >16 years of experience in Retail & MSME Lending, spread over MNC Banks, NBFCs and new age Fintech start-ups.
Hi, I’m
Ashutosh Tiwary
Senior Credit, Risk & Fintech Practitioner
Bengaluru
Summary
Work History
RazorpayBengaluru
Sr.Director & Head of Credit Policy & Underwriting
10.2020 - 10.2022
Job overview
- Building the overall risk structure for the Capital business ground-up, which includes credit policy formulation & designing the underwriting & portfolio management framework for the business
- Collaborating with the Business teams to strategize business expansion, improving conversion funnel & selection of the right target segment basis portfolio performance and collections indicators
- Providing guidance to the Analytics team to develop data-based insights & customer implement line management & early warning strategies
- Cross functional collaboration with Product & Technology teams in terms of building the requisite capabilities to contain risk & drive automation
- Hiring, training & mentoring the risk & cross functional teams at Capital vertical.
FlexiloansMumbai
Senior Vice President & Head of Credit Risk
12.2016 - 09.2020
Job overview
- Credit & Risk
- FlexiLoans, Responsible for Credit Policy & Underwriting & for both "On-Balance Sheet" (own NBFC) & "Co-Lending" model (in partnership with empaneled lenders)
- Responsible for risk management for all products- Term Loans, E-Commerce Seller Financing, Loan against Card Receivables & high ticket Supply Chain Financing
- Continuously reviewing the overall portfolio and implementing portfolio monitoring strategies like EWS, to highlight crucial trends and improve asset quality
- Lead the initiative of development & deployment of proprietary LOS (Loan Origination System) incorporating the process workflow, assigning user roles, integrating APIs, embedding policy rules, exception management and extraction of relevant MIS reports
- Providing direction to the Product, Tech and Analytics teams in building the right systems & driving automation in decision making for scale, basis data insights
- Proactively engaging with the internal collections team to help setup overall collections strategy, establish SOPs and seeking inputs on underwriting policies/processes to draw learnings to minimize credit losses
- Contact : .
MoneytapBengaluru
Consultant
06.2016 - 11.2016
Job overview
- Credit Risk & Strategy
- MoneyTap, , to independently advise the Founding Team on the customer journeys & Credit/Fraud risk strategies, for real-time "Line of Credit" product and the associated funnel conversion/process challenges with partner Banks.
CashCareMumbai
Chief Credit Officer
06.2015 - 04.2016
Job overview
- Building the risk guardrails, automated underwriting modules & process framework for "Checkout Financing" product in partnership with leading e- commerce platforms and partner NBFCs
- Engaging with the Risk, Operations & Legal and teams of partner NBFCs in framing of end to end process flows/policies to ensure compliance with all regulatory norms
Capital FloatBengaluru
Head of Credit
09.2013 - 04.2015
Job overview
- Conceptualized, developed & launched the first of its kind "E-Commerce Seller Financing" product in India, based on traditional as well as non-traditional data sources, in collaboration with leading e-commerce players
- Building the initial team & continuously training of credit underwriters on policy norms for new age digital lending & working capital products
- Post onboarding monitoring of the portfolio including EWS and Audit checks for compliance with laid down norms
- Closely with the Tech/Product teams to build the internal LOS and LMS, with internal workflows, credit policies and exception management modules built in system.
Capital First LtdMumbai
State Credit Head- Mortgages & Business Loans
03.2012 - 08.2013
Job overview
Dhanlaxmi Bank LtdMumbai
Regional Credit Manager- Mortgages
09.2010 - 02.2012
Job overview
Citibank NABengaluru
Credit Manager
04.2006 - 08.2010
Job overview
Education
International Management InstituteNew Delhi
PGDM from Finance
04.2004 - 03.2006
University Overview
Kirori Mal CollegeDelhi University
B. Com (Hons) from Accounting
04.1999 - 03.2002
University Overview
Certification
Professional Certificate Program in Data Science for Business Decision Making from IIM (K) in collaboration with UpGrad
Additional Information
Additional Information
- Key Skills-
· Credit Policy & Underwriting
· Risk Analytics
· Portfolio Management
· Stakeholder Management
· Digital Lending
· Process Control, Compliance & Audit
Timeline
Online Program on Building Digital Lending Systems & Processes in Banks/NBFCs from NIBM, Pune
10-2022
Professional Certificate Program in Data Science for Business Decision Making from IIM (K) in collaboration with UpGrad
02-2022
Sr.Director & Head of Credit Policy & Underwriting
Razorpay
10.2020 - 10.2022
Senior Vice President & Head of Credit Risk
Flexiloans
12.2016 - 09.2020
Consultant
Moneytap
06.2016 - 11.2016
Chief Credit Officer
CashCare
06.2015 - 04.2016
Head of Credit
Capital Float
09.2013 - 04.2015
State Credit Head- Mortgages & Business Loans
Capital First Ltd
03.2012 - 08.2013
Regional Credit Manager- Mortgages
Dhanlaxmi Bank Ltd
09.2010 - 02.2012
Credit Manager
Citibank NA
04.2006 - 08.2010
International Management Institute
PGDM from Finance
04.2004 - 03.2006
Kirori Mal College
B. Com (Hons) from Accounting
04.1999 - 03.2002
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