Ayush Mittal

Product: Auto Loans / Commercial Vehicle / Construction Equipment / Used Assets / Healthcare Finance / Working Capital / Tractor Loans

• Senior manager , managing a team of two on role Process Managers.
• Representing PAN India Credit Team strategically to solve complex business problems related to Underwriting & Risk.
• Designing and curating the digital lending journey process for User Onboarding , KYC , Credit Assessments , automation & STP using API & BRE rules,Risk & Fraud checks and coordination with multiple teams to make it a success.
• Enhancements and Projects implementation with end to end responsibility of requirement gathering , logic designing with internal / external stakeholders, User Acceptance Testing and Production Validation Test post implementation.
• Ability of writing complex rules and reviewing RD , FSD and UD documents.
• Making Preventive and Detective controls in the system to avoid risk and frauds.
• Key stakeholder for giving inputs for technological implementation of score cards and drive automation to reduce manual underwriting.
• Deep dive into monthly business outputs and analyze various trends basis different buckets and making controls looking at the irregularities and data entry errors done to maintain hygiene in the system.
• Developing cost optimization strategies and strengthening the Risk Infrastructure which are coherent to business objective as well.
• To work closely with Product , Operations , IT team , Credit & BIU Data Teams and continuous liaising to ensure efficient flow of processes.
• Provide analytical solutions through segmentation modeling, referring credit policy to identify areas of improvement, implementing changes.

Product: Used Commercial Vehicle

• Mentored junior team members, fostering a culture of continuous learning and professional development within the department.
• Credit Appraisal: Ensuring proper analysis of the profile of the customer and proper due diligence regarding the credit worthiness of the customer.
• Portfolio Quality: Delivered comprehensive recommendations to leadership based on the evaluation of loan portfolio performance.
• Seeking Root cause and then suggesting an action plan to resolve the case with self inputs accompanied with inputs given by the team members.
• MIS preparation / Coordination with other functions: Publishing newsletter and MIS with required highlighted parameters with all the concerned functions for continuous improvement and tracking of the process.
• Market & Competition Mapping: Follow the pro-active approach by keeping attuned with Market conditions w.r.t general economic activity and adverse trends, if any in the industry

Product : Tractor loan, Auto loan, CV & CE

Key Responsibilities :

• Enhanced team performance by mentoring team of 7 ACM in best practices for loan application analysis and sound underwriting.
• Credit assessment and portfolio management for 21 branches across entire Delhi NCR & UP/UK.
• Proactively identified early warning signs of deteriorating account performance through diligent monitoring of key performance indicators.

Product: Auto Loans / CV & CE

Additional Responsibilities other than Underwriting:

• Managing various vendors: Reporting of Field investigation agency, Asset Valuation agency, CPA & PDP and managing all the teams for timely analysis and decision of cases.
• Mentored junior team members in credit management best practices to enhance overall department performance.
• Active Participation in System Improvement: Have been appointed as FPR for many projects for Process and policy improvement.

Achievements:

• Secured second highest score in the subjective policy test in entire zone conducted for Credit Buyers just after 2 months joining the bank.
• Awarded with Silver Star Award for best work life balance for the month of Dec 14 and Fraud Prevention for May 16, Apr 17 , May 17 and Feb 18.

Campus Recruitment ( Assistant Manager )

Product : Commercial Vehicle and Equipment

Role : Credit Underwriter

Achievements:

• Managed entire Indore hub single handedly for the high ticket asset based funding.
• Awarded with Best End to End TAT award among the zone and was appreciated for consistent performance and efficiency.