Doctor Upadhyay

Credit and Portfolio Management:

• Oversee the company’s credit underwriting and business process, and ensure adherence to company policies.
• Assess and manage credit risk for loan portfolios, ensuring minimal non-performing assets (NPAs).
• Develop and refine credit risk policies based on market trends and regulatory requirements.
• Coordinate with the product team to optimize the customer journey to ensure seamless digital lending experiences.
• Set and achieve the company’s business targets (loan disbursals, revenue, profitability, NPA levels).
• Monitor the credit portfolio to identify and mitigate risks.
• Analyze trends, and take corrective actions to maintain portfolio health.

Team Leadership and Development:

• Recruit, lead, and train the Senior Managers, Managers, and AM-Credit, and guide and coach for overall development.
• Monitor team performance, and ensure productivity targets are met.
• Monitor and train the auto sanction disbursement team for checking discrepancies in auto sanction applications.

Compliance and Regulatory Adherence:

• Ensure compliance with regulatory and internal credit guidelines.
• Handle audits and reporting requirements.

Relationship Management.

• Collaborate with digital marketing (lead generation), product, risk, and other departments to streamline the loan approval process.
• Build relationships with key stakeholders to drive business growth.

Reporting and analytics.

• Prepare and present the company’s credit performance reports.
• Use data insights to improve decision-making and processes.
• Develop and refine loan product policies that align with the company's goals, and ensure regulatory compliance.
• Review and suggest changes in policies and procedures for loan products, ensuring alignment with industry best practices and the company's risk appetite.
• Oversee and manage credit risk associated with loan products, ensuring that portfolio performance meets organizational goals. Should be able to monitor loans.
• Perform vintage analysis to evaluate the long-term performance of loans, and understand trends in loan repayments, delinquencies, and defaults.
• Regularly assess portfolio health, identify emerging risks, and recommend corrective actions to improve asset quality.
• Work closely with the product, data science, and risk teams to ensure accurate product pricing, risk assessment, and portfolio management.
• Prepare and present reports on portfolio performance, product risk, and loan trends to senior leadership.
• Stay up to date with industry trends, regulatory changes, and best practices related to credit risk management and loan products.

Credit Management:

• Oversee the credit underwriting process, and ensure adherence to company policies.
• Assess and manage credit risk for loan portfolios, ensuring minimal non-performing assets (NPAs).
• Develop and refine credit risk policies based on market trends and regulatory requirements.
• Responsible for the overall portfolio quality of cases underwritten.
• Review high-value credit proposals, and provide final approvals as per the delegation matrix.
• Monitor portfolio performance, and take corrective action for risky accounts.
• Implement credit scoring models and risk assessment frameworks.

Team Management:

• Lead, mentor, and train a team of credit analysts and managers (3 Deputy Managers with 15 credit underwriters in each DM’s team).
• Monitor team performance, and ensure efficient workflow in credit evaluations.
• Foster a culture of accountability and continuous improvement.

Compliance:

• Ensure compliance with regulatory guidelines.
• Liaise with internal auditors for periodic reviews.
• Checking proper documentation and risk reporting standards.

• Credit appraisals of loan-against-property applications are conducted according to defined policy guidelines, risk factors, and accordingly recommend the applications.
• Meet the customers personally to analyze and assess the business setup, end use of the loan, and business projections, etc.
• Analyzed applicants' financial status, and credit and property evaluations to determine loan feasibility.
• Obtained and reviewed credit reports, credit references, credit insurance, and financial statements to establish credit limits.
• Analysis of bank statements (average bank balance, average quarterly balance, bouncing, etc.).
• Analysis of FOIR, DSCR, NWC, Indebtedness ratio, etc.
• Referred delinquent accounts to the collections department or outside resources.
• Monitored accounts for signs of fraud and nonpayment issues.
• Vendor management (Legal, technical, FI, FCU).
• Work cross-functionally with sales, management, and other departments to maintain effective operations.

• Risk audit of PL and BL files.
• Sharing the audit report with all branches and collecting responses.
• Coordinate changes according to findings in the audit with the policy team.

• Underwriting business loans (MSME) and loan against property applications as per policy, I prepared reports of findings and recommendations, and recommended approval or disapproval of applications.
• Downloading and analyzing credit bureau history to check the repayment behavior of applicants.
• Prepared financial and credit analysis to check the ability to repay the loan.
• Analysis of LTV, IIR, IDIR, FOIR, and indebtedness ratio.
• Checking property documents (title deed for equitable mortgage/registered mortgage) and recommending proposals based on income/collateral value.
• Analysis of the bank statement.
• Responsible for technical and legal work done within the turnaround time from empaneled agencies.
• Coordinate with branches to resolve the credit-related query.
• Preparation of the Monthly Credit MIS on errors, deviations, and TAT.
• Branch visit across North India to sample-check the approved, delinquent applications, and the end use of loans.

• Checking the TW loan file, KYC, and income documents.
• Log in to the application form and do data entry into the software.
• To check the files before disbursement regarding the address, ID proof, application form, and income proof.
• Checking CIBIL, deduplication, and any external track record.
• Responsible for recommending the application to credit managers for approval.
• Maintaining MIS of business volumes, customer details, and vehicle delivery on a daily basis.
• Responsible for maintaining the Inward, Outward, NOC, CRA, and vehicle repossession vehicle registers.
• Maintaining the TAT from login to disbursal.