Summary
Overview
Work History
Education
Timeline
Generic
Gourishankar Das

Gourishankar Das

Mumbai

Summary

Visionary financial services executive with over 25 years of experience across India's top banks and NBFCs, specializing in retail and SME credit strategy. Currently serving as EVP & Head of Retail Underwriting at Poonawalla Fincorp, where he is spearheading the setup and scaling of retail asset products across the country. Prior to this, led the credit function for Axis Bank's Small Business Banking division, managing a ₹75,000 Cr portfolio and a 500-member team across 90 locations. Demonstrated expertise in building scalable credit frameworks, driving digital transformation in credit journeys, optimizing risk costs, and delivering sustainable asset growth. Recognized for pioneering initiatives like the 'SUBLIME' underwriting model, recipient of the FINNOVITI Award.

Overview

22
22
years of professional experience

Work History

EVP - Head Retail Underwriting

Poonawalla Fincorp
Mumbai
03.2025 - Current
  • Products: Loan against Property, Business Loans
  • Pre Owned cars ,Commercial Vehicle, Education Loan, Personal Loan
  • Book size: 40000 cr

SVP II- Head Credit - Retail and Wholesale Credit

Axis Bank
Gurgaon
01.2023 - 02.2025
  • Products: Working Capital Limits, Supply Chain Finance, Industrial and Medical Equipment Finance & Business Loans.
  • Team size: 500 professionals spread across 90 loan processing centers in the country.
  • Book size: INR 75000 Cr

EVP -Head Credit - Home Loans and SME

IndusInd Bank
01.2014 - 12.2023
  • Products -Home Loan, Unsecured SME loans, Merchant Loan, Medical equipment loan, Co-lending and Home Loans.
  • Book size: INR 9000 cr
  • Established credit structures and processes for each loan product.
  • Designed digital journeys to enhance merchant experiences.
  • Created scorecards to optimize efficiency and drive operational improvements.
  • Performed portfolio analysis on risk factors such as concentration and collateral distribution.
  • Executed micro-level analyses of delinquent accounts to minimize losses.
  • Analyzed early warning signals and adapted policies accordingly.

Regional Credit Head

Religare Finvest Limited
Mumbai
08.2010 - 01.2014
  • Underwrote retail asset products including mortgages, working capital loans, and commercial vehicle loans.
  • Book size: INR 8000 cr
  • Formulated policies for key markets in West India to optimize product offerings.
  • Ensured compliance with policy parameters to mitigate risks and enhance profitability.
  • Managed portfolio through proactive customer engagement and relationship building.
  • Oversaw vendor management to maintain quality service and operational efficiency.

Regional Collection Head

Royal Bank of Scotland/ ABN AMRO BANK
Maharashtra & Gujarat
11.2008 - 08.2010
  • Company Overview: www.rbs.com
  • Responsible for the loss nos (NCL and Provision) for the region
  • End to end collection process management
  • Vendor management - compliance, training and audit

Zonal Sales Manager

Indiabulls Financial Services
Maharashtra, Gujarat and Kolkata
12.2006 - 11.2008
  • Region: Maharashtra, Gujarat and Kolkata
  • Product Portfolio: Unsecured loan to proprietary/partnership firm/private limited companies
  • Spearheading the sales function for the biggest zone within the organisation
  • Managing and mentoring the BIL business & Cross sell of Insurance Products of Max New York life for Western India through a team of RSM’s, Channel Sales Manager, Team Leaders, FOS, DSA’s call centre for Gujarat/ Maharashtra.
  • Cross - sell of retail financial products
  • Design and implement strategies/process to enhance the business growth

Regional Credit Officer - Consumer Assets

ING Vysya Bank
Western India (Maharashtra and Gujarat)
01.2006 - 12.2006
  • Product: Home loan, LAP, CV Loan and Personal Loan
  • Led the Business process re-engineering for reducing TAT in retail loans
  • Led the review and revision of existing policy on different products
  • Streamlined operations with effective Vendor management (legal, technical and collection).
  • Developed training platform for sales and credit personnel.

City Credit Manager - Mortgages

Standard Chartered Bank
Pune and Nagpur
09.2003 - 12.2005
  • Credit appraisal in accordance with policy and product guidelines minimizing any operational loss in respect of all activities.
  • Devised training programs on policies/ procedures for CPA and sales team thereby igniting sales performance & setting new milestones.
  • Relationship management with vendors and franchisees.

Branch Credit Manager (Housing finance division)

ICICI Bank, Pune
Pune & South Maharashtra
01.2003 - 09.2003
  • Credit administration and compliance; Handling sanction and disbursal of home loan applications, monitoring of loan assets and ensuring credit quality of the asset portfolio.
  • Underwriting for South Maharashtra - the largest geographical region and set up spoke locations.

Education

Advance Program - Fintech & Financial Block Chain

IIM Calcutta
01.2021

ICWA -

The Institute of Cost & Works Accountants of India
01.1998

B.Sc (Hons) -

Sambalpur University
Orissa
01.1993

Timeline

EVP - Head Retail Underwriting

Poonawalla Fincorp
03.2025 - Current

SVP II- Head Credit - Retail and Wholesale Credit

Axis Bank
01.2023 - 02.2025

EVP -Head Credit - Home Loans and SME

IndusInd Bank
01.2014 - 12.2023

Regional Credit Head

Religare Finvest Limited
08.2010 - 01.2014

Regional Collection Head

Royal Bank of Scotland/ ABN AMRO BANK
11.2008 - 08.2010

Zonal Sales Manager

Indiabulls Financial Services
12.2006 - 11.2008

Regional Credit Officer - Consumer Assets

ING Vysya Bank
01.2006 - 12.2006

City Credit Manager - Mortgages

Standard Chartered Bank
09.2003 - 12.2005

Branch Credit Manager (Housing finance division)

ICICI Bank, Pune
01.2003 - 09.2003

Advance Program - Fintech & Financial Block Chain

IIM Calcutta

ICWA -

The Institute of Cost & Works Accountants of India

B.Sc (Hons) -

Sambalpur University

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