Summary
Overview
Work History
Education
Skills
Timeline
Technical Skill
Languages Known
Generic
FAZITH S

FAZITH S

Summary

  • Strategic product and digital transformation leader with 7+ years of experience in Affordable Mortgages, MSME lending, and technology-enabled banking solutions .
  • Expert in end-to-end product lifecycle, requirement gathering, agile delivery, and testing oversight , with proven success in scaling portfolios and implementing Salesforce-driven automation & process re-engineering .
  • Skilled in translating complex IT requirements into simple, actionable solutions , ensuring stakeholder clarity, adoption, and seamless delivery of digital initiatives.
  • Strong track record in building compliant, profitable, and customer-centric solutions , driving entity-wide change programs, CXO engagement, and cross-functional leadership .

Overview

7
7
years of professional experience

Work History

Product Lead - Affordable Mortgages

IDFC First Bharat Ltd
11.2021 - Current
  • Business Growth & Portfolio Management – Led expansion of Affordable Loan Against Property & Home Loan across 6 states, managing an INR 4,000 crore portfolio with a 90% CAGR in AUM
  • Digital Transformation & Technology Enablement – Partnered with Salesforce vendors to design workflow automation, UI/UX enhancements, and process digitization , improving efficiency and user adoption.
  • Business Analysis & Product Consulting – Led end-to-end product lifecycle (conceptualization, requirement gathering, prototyping, rollout) ensuring alignment between business needs and technology solutions.
  • Data-Driven Strategy & Forecasting – Developed forecasting & financial models for AOP planning, optimizing resource allocation and decision-making.
  • Process & Policy Re-engineering – Refined credit, legal, and collateral policies , integrating compliance standards and market best practices into business processes.
  • Portfolio & Risk Management – Applied governance frameworks and risk controls to ensure audit readiness, regulatory compliance, and sustainable portfolio growth.
  • Change Management & Adoption – Designed PIP frameworks, training modules, and digital onboarding journeys , driving large-scale field adoption of new systems and processes.
  • Stakeholder Collaboration & Consulting – Acted as a bridge between technology teams and business leaders , ensuring smooth implementation of digital and policy initiatives across 6 states.
  • · Profitability & Financial Oversight – Managed revenue lines with a PBT ROA of 4% , ensuring financial sustainability
  • · Portfolio Quality & Collections – Maintained industry-leading performance , focusing on bucket resolution and recoveries .

Cluster Manager - Affordable Mortgages

IDFC First Bharat Ltd
10.2020 - 10.2021
  • Product Lifecycle Leadership - Adapted central processes locally; shared field feedback to influence policy updates
  • Go-to-Market Execution - Scaled cluster from <₹50L to ₹3 Cr/month via direct sourcing model
  • Digital Lending & Process Transformation - Piloted Salesforce LOS . Supported rollout through feedback and training
  • Business Planning & Forecasting - Defined cluster targets and manpower plans based on market potential
  • Stakeholder Collaboration - Coordinated with credit and operations to ensure execution readiness
  • Team Management & Capability Building - Grew team from 10 to 20+; mentored 6 internal promotions across roles and bought attrition down below to 20%
  • Field Feedback Integration – Created a structured feedback loop from field teams to influence central credit policy, documentation processes and product design
  • Audit & Compliance Oversight - Maintained 100% current bucket collection ; ensured clean audit reports

Senior Manager - BC Partnership Management

IDFC Bank
06.2018 - 09.2020
  • Product Consulting & Development – Designed and launched Micro Enterprise Loan product across 4 states; built end-to-end processes, SOPs, and credit frameworks .
  • Digital Transformation Leadership – Spearheaded Salesforce migration from Novopay , drafting user stories , managing agile sprints, and enabling smooth system transition.
  • Process Optimization & Risk Control – Designed incentive policies, monitoring systems, and digital adoption initiatives , ensuring compliance and operational efficiency.
  • Change Management & Training – Conducted large-scale training, recruitment, and digital onboarding , building field capacity across multiple states.
  • Data & Business Intelligence – Created business dashboards and monitoring tools to track disbursements, collections, and performance trends.
  • Audit & Governance – Supported regulatory and risk management reviews , ensuring adherence to compliance standards.

Education

PGDM - AgriBusiness Management

National Institute of Agricultural Extension Management
Hyderabad
03-2018

BS - AgriBusiness Management

TamilNadu Agricultural University
Coimbatore
06-2016

Skills

  • Digital Transformation & Process Re-engineering
  • Business Analysis & Requirement Gathering
  • Technology Enablement (Salesforce, Automation, UI/UX)
  • Data-Driven Strategy & Financial Modeling
  • Risk, Compliance & Governance
  • Change Management & Capacity Building
  • Go-To-Market Execution & Distribution Strategy
  • Stakeholder Consulting & Cross-Functional Leadership

Timeline

Product Lead - Affordable Mortgages

IDFC First Bharat Ltd
11.2021 - Current

Cluster Manager - Affordable Mortgages

IDFC First Bharat Ltd
10.2020 - 10.2021

Senior Manager - BC Partnership Management

IDFC Bank
06.2018 - 09.2020

PGDM - AgriBusiness Management

National Institute of Agricultural Extension Management

BS - AgriBusiness Management

TamilNadu Agricultural University

Technical Skill

Salesforce | JIRA | MS Office | FinnOne

Languages Known

Tamil | English | Hindi

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FAZITH S