Deepa Padmanabhan
Bangalore
Summary
To work in a growth-oriented organization, putting all my abilities and learning into practice, with a view to fostering a mutually rewarding relationship.
Overview
23
23
years of professional experience
Work History
Credit Head – Prime Home Loans
Godrej Capital Ltd.
02.2023 - Current
- Managing credit function for home loans PAN India
- Team size of 30 credit managers with an approving authority of Rs. 500 lacs
- My job includes extensive portfolio management for home loans (both salaried & self-employed segment), continually monitoring & improving credit risk policies, TAT management, developing & improvising application-based score cards.
Credit Head – South, Secured Lending
Godrej Capital Ltd.
08.2020 - 01.2023
- Heading credit function for south zone for Home Loans & LAP, comprising Bangalore, Chennai & Hyderabad.
- Set up the risk function for South, managing a team of 18. Approving authority of Rs. 400L.
Zonal Credit Head – South
Piramal Capital Housing Finance Ltd.
03.2018 - 08.2020
- Heading credit function for the south zone for Home Loans & LAP, comprising of Bangalore, Chennai & Hyderabad, managing a team of 20. Approval authority of Rs. 400L.
Regional Credit Head & Vice President (Karnataka & AP) – Secured & Unsecured Loans
Religare Finvest Ltd
08.2017 - 03.2018
- Managing credit underwriting & risk function for 2 zones for both LAP & Business Loans with an approving authority of Rs. 10 crores for LAP and Rs. 50 lacs for Business Loans. Total team size of 8 zonal/area credit managers/credit managers comprising of AVPs, Sr. Managers & Managers. Job description includes portfolio monitoring, TAT management, giving inputs for designing & implementation of credit policies & programs, audit compliance & process implementation/improvement, PDD management, vendor monitoring/management, hiring & mentoring credit managers and performance management.
Regional Strategic Underwriting Head (South – Karnataka, AP, Tamil Nadu) – Secured & Unsecured Loans
Religare Finvest Ltd
06.2014 - 08.2017
- Heading Strategic Underwriting – South, for loan amount > Rs. 10 cr for SME clients & real estate builders/developers. Also responsible for risk pricing, portfolio management (portfolio size of Rs. 1500 cr across South) & credit risk monitoring.
Associate Vice President (Karnataka) – Secured & Unsecured Loans
Religare Finvest Ltd
02.2010 - 05.2014
- Managing credit function for Karnataka with a team size of 13 members, job description includes credit underwriting and structuring of credit facilities (LAP, Business loans & Home Loans) to Corporates, Builders, SME & HNI customers, identifying potential industry segments & managing portfolio mix, large accounts monitoring, Audit Compliance and process improvement, training and mentoring credit officers/managers as well as sales managers on industry, maintaining MIS & productivity data.
- Achievements:
- Certified Trainer at Religare
- Have won Religare ACE awards twice for mentoring of credit managers & taking up additional responsibility of collection of LPP & Bounce charges from existing customers
- Have received several mails of appreciation for structuring large ticket deals.
Manager – Retail Banking with Axis Bank Ltd., Bangalore
Axis Bank
12.2007 - 02.2010
- Credit & Operations Head for Retail Asset Centre in Bangalore with a team size of 10, job description includes underwriting for all retail products – Home Loans, Mortgages, Auto Loans, Personal Loans, Loan Against Shares, Handling Operations for all products
Manager – Product & Policy with Axis Bank Ltd., Mumbai
Axis Bank
09.2006 - 12.2007
- Product Manager for Retail Loans. Job description included conceptualizing and developing new differentiated products for mortgages, auto loan product and personal Loans, pricing, analysis of cost of funds, yields, setting up and streamlining processes for new and existing products, portfolio analysis with the objective of recommending changes and business decision support, product training of business teams and call centers, deriving insights to competitor strategies and coming up with proactive steps to counter them, developing long lasting and influential relationships with various key functions like Risk, Legal, Collections, Training and Senior Management.
- Products launched:
- Auto Loan Product
- Lease Rental Discounting
- Variants for Personal Loan Products & Loan Against Property
- Overdraft Against Property
- Reverse Mortgage Loan Product
Branch Credit Manager with ICICI Bank Ltd., Mumbai
ICICI Bank Ltd.
07.2004 - 08.2006
- Managing Mortgages Credit Portfolio for Central Mumbai
Assistant Manager-Accounts
Steelage Industries
04.2002 - 07.2004
- Company Overview: Steelage Industries (a Swedish based MNC, member company of Gunnebo group-world leaders in the Safety Industry)
Education
Chartered Accountant -
11.2001
Bachelor of Commerce - undefined
Mumbai University
04.2000
Skills
PLF, Finacle, FinnOne, multiple Loan Origination & Management systems, and Domain Knowledge of ERP Package, MSOffice (Word, Excel, PowerPoint), Windows Professional, Financial Accounting and Internet Applications
Personality Traits
Analytical mind, logical reasoning, Ability to get along well with people, Managing large teams, Drive, Dedication, Commitment, Motivation to achieve results, Meeting deadlines, Resilience to stay self-controlled and positive under pressure
Timeline
Credit Head – Prime Home Loans
Godrej Capital Ltd.
02.2023 - Current
Credit Head – South, Secured Lending
Godrej Capital Ltd.
08.2020 - 01.2023
Zonal Credit Head – South
Piramal Capital Housing Finance Ltd.
03.2018 - 08.2020
Regional Credit Head & Vice President (Karnataka & AP) – Secured & Unsecured Loans
Religare Finvest Ltd
08.2017 - 03.2018
Regional Strategic Underwriting Head (South – Karnataka, AP, Tamil Nadu) – Secured & Unsecured Loans
Religare Finvest Ltd
06.2014 - 08.2017
Associate Vice President (Karnataka) – Secured & Unsecured Loans
Religare Finvest Ltd
02.2010 - 05.2014
Manager – Retail Banking with Axis Bank Ltd., Bangalore
Axis Bank
12.2007 - 02.2010
Manager – Product & Policy with Axis Bank Ltd., Mumbai
Axis Bank
09.2006 - 12.2007
Branch Credit Manager with ICICI Bank Ltd., Mumbai
ICICI Bank Ltd.
07.2004 - 08.2006
Assistant Manager-Accounts
Steelage Industries
04.2002 - 07.2004
Bachelor of Commerce - undefined
Mumbai University
Chartered Accountant -
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