Dhanya NAIR
Bengaluru
Summary
Credit risk and compliance professional with 20 years of experience in financial services. Expertise in credit underwriting, risk assessment, and regulatory compliance, including RBI audits. Proven ability to lead teams, develop credit policies, and manage audits while ensuring effective risk controls across various financial products. Strong collaborator with a history of maintaining portfolio quality and meeting regulatory standards.
Overview
21
21
years of professional experience
Work History
Chief Process Manager
Credit Saison India
05.2024 - Current
- Monitored policy-level changes in file processing, integrating updates into inspection practices.
- Conducted quality checks for Credit Managers and Process Team members, identifying errors effectively.
- Evaluated process risks, proposing control measures to mitigate exposure and analyzing historical credit trends.
- Analyzed monthly and quarterly performance metrics for RCMs, ACMs, and Login teams, conducting Root Cause Analysis on DPD 30+ cases.
- Ensured team adherence to KYC compliance through thorough validation of customer interactions.
- Delivered training sessions for RCMs and Credit Managers, reinforcing process adherence and identifying improvement areas.
- Prepared and presented comprehensive reports to CRO, implementing effective controls and process enhancements.
- Managed audits for Credit processes while overseeing projects related to product development and training materials.
Regional Credit Manager
Toyota Financial Services India Ltd
07.2015 - 05.2024
- Managed projects related to new products, including system changes and policy formation.
- Conducted preliminary analysis of borrower and facility risk ratings for credit relationships.
- Collaborated with credit teams of other NBFCs and banks to share industry best practices.
- Oversaw RBI, statutory, internal, and external audits for credit and operations functions.
- Performed in-depth credit analysis with relationship managers to ensure adherence to policies.
- Appraised underwriting processes for auto loans, sanctioning limits per company procedures.
- Monitored portfolio delinquency and supported collections in recovering outstanding dues.
- Facilitated training sessions for credit teams and outsourced vendors on policy updates.
Credit Manager
Reliance Capital Ltd
03.2007 - 07.2015
- Conducted preliminary analysis of borrower and facility risk ratings for new and existing credit relationships.
- Performed in-depth credit analysis with Relationship Manager to ensure adherence to credit policies.
- Appraised underwriting processes for commercial vehicle and auto loans, sanctioning limits per company policy.
- Ensured collection of priority documents to secure loans with appropriate collateral and minimize defaults.
- Monitored portfolio delinquency, collaborating with collections team to facilitate recoveries.
- Verified vendor documentation through on-site visits to ensure compliance with organizational standards.
- Prepared and maintained comprehensive MIS reports for management review.
- Facilitated cross-functional communication to promote understanding of best practices and policies.
Team Leader
ICICI Bank Ltd
04.2004 - 03.2007
- Company Overview: Contractual Employee with fZroc##ss
- Designation — Team Leader.
- Department — Construction Equipment.
- Experience — 17th April 2D04 to 9th March 2007.
- Job Description:
- Checking and Processing of Files for Mumbai Region. Updating of New Policy in the Branch.
- Salary and Payouts Management of CE Product Pan India.
- Customer Review Collation Plan for Pan India Region about the Products
Education
Bachelor of Commerce -
Bharat College of Commerce
01.2004
Higher Secondary Certificate -
Central Railway College of Arts And Commerce
Mumbai01.2001
Secondary School Certificate -
Model English High School
Mumbai01.1999
Skills
- Credit analysis and risk assessment
- Quality control and compliance
- Regulatory adherence
- Team leadership
- Process improvement
- Policy formation
- Audit management
References
References: Available on request.
Timeline
Chief Process Manager
Credit Saison India
05.2024 - Current
Regional Credit Manager
Toyota Financial Services India Ltd
07.2015 - 05.2024
Credit Manager
Reliance Capital Ltd
03.2007 - 07.2015
Team Leader
ICICI Bank Ltd
04.2004 - 03.2007
Bachelor of Commerce -
Bharat College of Commerce
Higher Secondary Certificate -
Central Railway College of Arts And Commerce
Secondary School Certificate -
Model English High School
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