Harish N. Asnora
Mumbai
Summary
Experienced professional with a strong background in risk management, internal controls, and credit underwriting. Proven ability to conduct comprehensive risk assessments, develop and implement effective control measures, and ensure compliance with regulatory requirements. Committed to continuous improvement and professional growth, with a focus on delivering high-quality results and contributing positively to team goals.
Overview
11
11
years of professional experience
1
1
Certification
Work History
AM - Operational Risk & Control
BOBCARD Limited
12.2019 - Current
- Analyzed existing processes to identify inefficiencies and recommended improvements to enhance operational effectiveness and control.
- Identified, assessed, and managed operational risks across various business units to ensure minimal disruption to operations.
- Understanding the relevant regulations, Having the necessary policies and procedures in place, Regularly training employees, Continuously monitoring credit practices, and Staying informed about regulatory changes.
- BRE Implementation to optimize credit scoring processes, identify potential defaulters with greater accuracy, and customize lending terms based on individual risk profiles.
- Developed and implemented control measures to mitigate identified risks, ensuring compliance with internal policies and regulatory requirements.
- Led investigations into operational incidents, identified root causes, and implemented corrective actions to prevent recurrence.
- Consulted with stakeholders, partners and external organizations to assess and shape policies and align with objectives.
Deputy Manager - Credit Card Risk & Underwriting
IndusInd Bank
11.2018 - 12.2019
- Evaluated creditworthiness of applicants by analyzing financial statements, credit reports, and other relevant data.
- Made informed underwriting decisions based on risk assessments, ensuring alignment with company policies and regulatory requirements.
- Implemented fraud detection measures to prevent and mitigate fraudulent activities.
- Monitored and managed the credit card portfolio to identify and address emerging risks.
- Utilized data analytics to identify trends and patterns in credit risk, informing policy adjustments and decision-making.
Sr. Associate - US Home Loans Originations
Tata Consultancy Services
05.2015 - 11.2018
- Evaluates and validates borrowers' documents and financials at the onboarding stage of the mortgage.
- Performing quality check on the loans and providing adequate feedback to the processors such that similar errors are not repeated and there by increasing the efficiency of the loans and the departments quality yield.
- Working on different types of loans i.e Conventional (Fixed/ARM loan), FHA & VA Loans, MECA, CONDO and Co-Op Loans.
Associate - US Mortgage
Ocwen Financial Solution Pvt. Ltd - Quess Corp Payroll
05.2014 - 04.2015
- Core Job profile was to verify loan related data of US based clients.
- Rectification of data errors, extraction, validation and updating the accurate data in client provided tools and Project handling.
Education
Executive MBA - Operations
ITM Executive Education Centre
01.2020
B.Com - Accounting & Finance
Mumbai University
01.2013
Skills
- Risk Management
- Operational Risk
- Credit Analysis
- Credit Risk Management
- Leadership
- Strategic Thinking
Certification
Fraud Risk & Prevention, Udemy, 06/01/24, Present
Languages
English
Hindi
Marathi
Kumaoni
Interest
Cricket and Travelling
Timeline
AM - Operational Risk & Control
BOBCARD Limited
12.2019 - Current
Deputy Manager - Credit Card Risk & Underwriting
IndusInd Bank
11.2018 - 12.2019
Sr. Associate - US Home Loans Originations
Tata Consultancy Services
05.2015 - 11.2018
Associate - US Mortgage
Ocwen Financial Solution Pvt. Ltd - Quess Corp Payroll
05.2014 - 04.2015
Executive MBA - Operations
ITM Executive Education Centre
B.Com - Accounting & Finance
Mumbai University
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