Hi, I’m
BHOLA KUMAR PRASAD
Dombivali,Maharashtra
Summary
Banking Product Manager with 9+ years of experience across MSME and Retail asset Lending, specializing in secured and unsecured MSME loan products, credit underwriting, and large-scale banking product implementations. Proven expertise in Product design, Credit policy alignment, RBI-compliant, LOS/LMS platforms, portfolio risk management, and cross-functional execution. Strong track record of launching and scaling bank-grade lending products while maintaining asset quality, regulatory compliance, and operational efficiency.
Overview
10
years of professional experience
1
Certification
Work History
DBS Bank India LimitedMumbai
Product Manager - CBG - Affordable Mortgages (Retail & MSME Loans)
05.2024 - Current
Job overview
- Implemented Account Aggregator (AA) framework for digital bank statement retrieval, reducing per-case cost from ₹370 to ₹7, improving customer journey, and cutting overall TAT by 2 days.
- Implemented Leegality digital document execution, enabling loan disbursement within 1 day post credit approval, significantly improving customer experience, operational efficiency, and conversion rates.
- Own product roadmap, pricing, policy alignment, and GTM strategy by evaluating market trends, regulatory requirements, and customer needs.
- Drive channel performance management to ensure cost-efficient growth and optimal portfolio quality.
- Partner with IT, Data & Operations to deliver digital integrations including Leegality, Account Aggregator, GST & ITR data fetch via Perfios.
- Ensure RBI and regulatory reporting, supporting internal & external audits.
AXIS BANKNavi Mumbai
Product Manager
04.2022 - 05.2024
Job overview
- Product Management: Demonstrated success in conceptualizing and launching innovative MSME products while effectively managing existing offerings within the Bharat Enterprise vertical.
- Project Planning and Execution: Prepared Product Notes, BRDs, PRDs, and User Stories, translating business needs into IT-ready requirements.
- Stakeholder Collaboration: Coordinated closely with Risk, Credit, Operations, Compliance, and IT teams for seamless implementation.
- Strategic Analysis and Vision: Defined As-Is and To-Be MSME customer journeys, identifying bottlenecks and automation opportunities.
- User Stories and Specifications: Documented user stories, specifications, and product features in detailed work orders, ensuring effective communication across teams and fulfillment of mandatory requirements.
- Result-Oriented and Innovative: Demonstrated a track record of delivering successful product launches and driving continuous improvement to enhance customer experiences.
- Strong Communication Skills: Effectively engaged with stakeholders, addressing application issues, discussing expected features, and ensuring alignment throughout the product development lifecycle.
DCB BankNavi Mumbai
Credit Manager
09.2021 - 04.2022
Job overview
- Underwriting: Underwrote secured retail and MSME-linked LAP cases, ensuring policy adherence and SLA compliance.
- Coordinated Processing: Coordinated with legal, technical, FI, and risk units for end-to-end loan processing.
- Customer Interaction: Skilled in interacting with customers to gain a comprehensive understanding of their businesses and regularly monitoring delinquencies and infants to manage risks effectively.
- Portfolio Purchase: Conducted portfolio purchase due diligence, assessing asset quality and risk exposure.
- Risk Mitigation: Monitored delinquencies and infant accounts, contributing to portfolio stability.
- Detail-Oriented: Meticulously followed established policies, procedures, and SLAs to ensure accuracy and compliance.
IDFC FIRST BANKMumbai
Credit Underwriting and Projects - Salesforce
03.2017 - 09.2021
Job overview
- Project Management: Spearheaded critical components of the LOS transformation from FinnOne CAS to IBM BPM and Salesforce, resulting in 2x+ growth in monthly disbursements (₹125+ Cr) through streamlined customer journeys, enhanced CX, and sharp TAT reduction, aligned with bank governance and risk controls.
- Credit Analytics: Demonstrated expertise in credit analytics and project management, utilizing Salesforce and Salesforce Einstein for the preparation of credit reports and dashboards.
- Process Optimization: Led process automation initiatives to enhance efficiency in loan application handling, resulting in reduced overall Turnaround Time (TAT) while ensuring high process quality.
- Stakeholder Collaboration: Successfully liaised with Risk, Policy, Credit, Product, and Compliance teams to implement new processes, ensuring detailed documentation, process monitoring, and adherence.
- Metrics monitoring and Internal Controls: Designed and monitored key metrics such as productivity, SLA, and quality check, establishing effective internal controls to drive performance and compliance.
- Risk Mitigation: Identified inherent and potential risks within processes and developed mitigates to minimize losses, contributing to improved risk management.
- UAT Testing and Credit Audit: Led successful User Acceptance Testing (UAT) efforts and played a crucial role in credit audits, ensuring compliance with bank procedures and submitting reports to Credit Head - MSME.
- Credit Appraisal and Underwriting: Proficient in underwriting secured and unsecured micro business loan applications, adhering to policies and SLAs while managing area business volume. Conducted thorough creditworthiness assessments through personal discussions with clients and analyzed credit information from CIBIL, CRIF, and Experian.
- Relationship Management: Interacted with customers to understand their businesses and maintained regular monitoring of delinquencies and infants.
- Result-oriented and Goal-driven: Consistently achieved branch business targets by approving and recommending loans based on comprehensive loan application reviews and maintaining a desired level of underwriting quality.
Suryoday Small Finance BankNavi Mumbai
Management Trainee
03.2016 - 02.2017
Job overview
- Credit Analysis and Appraisal: Proficient in analyzing credit information reports from CIBIL and EQUIFAX to evaluate creditworthiness and conduct thorough financial statement analysis of MSME customers.
- Risk Identification and Mitigation: Skilled in identifying potential risks and recommending appropriate mitigation strategies to ensure sound lending decisions.
- Compliance and Policy: Ensures post-disbursement compliance and demonstrates proficiency in framing and reviewing credit policies in alignment with regulatory guidelines and current market conditions.
- Relationship Management: Proactively approaches, appoints, and maintains relationships with Direct Selling Agents (DSA) and Direct Sales Teams (DST) to enhance business reach and support lending operations.
- Customer Sourcing and Support: Adept at sourcing and approaching potential customers, providing support throughout the documentation process and loan disbursement, ensuring a seamless customer experience.
- Result-Oriented: Consistently achieves targets and delivers high-quality credit analysis, supporting successful lending operations and contributing to business growth.
Education
Pune Institute of Business Management
PGDM from Finance And Marketing
05.2016
Burdwan University
BBA from Finance
07.2013
Skills
- MSME Product Strategy & Roadmap
- Secured and Unsecured Business Loans
- Digital Customer Journeys
- Business Development
- Process Automation & TAT Reduction
- Documentation Management
- BRD/ PRD/ User Stories
- Stakeholder Management
- RBI Compliance
- Cross-Functional Collaboration
- Performance monitoring
- Credit Policy & Risk framework
Certification
Project Management Professional, Project Management Institute, Mumbai, Maharashtra, 2025-06-01
Accomplishments
- Won the 'Game Changer' award for successfully launching multiple products
- Successfully launched the Salesforce (LOS) - Digital Customer Journey Process
- Successfully launched the Loan Origination System - IBM BPM
- Successfully launched the Persona Discussion application to reduce the Underwriting TAT
- Received highest performance appraisal rating within our team members for last 3 years
- Worked with BTG, Projects and developer team (Datamatics - IBM BPM & PSL) developer team to build Loan Origination System - IMB BPM and Salesforce
Languages
Hindi
English
Bengali
Timeline
Product Manager - CBG - Affordable Mortgages (Retail & MSME Loans)
DBS Bank India Limited
05.2024 - Current
Product Manager
AXIS BANK
04.2022 - 05.2024
Credit Manager
DCB Bank
09.2021 - 04.2022
Credit Underwriting and Projects - Salesforce
IDFC FIRST BANK
03.2017 - 09.2021
Management Trainee
Suryoday Small Finance Bank
03.2016 - 02.2017
Pune Institute of Business Management
PGDM from Finance And Marketing
Burdwan University
BBA from Finance