Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Generic
ASHOK JASANI

ASHOK JASANI

Housing Finance – Product & Strategy, Digitisation & Process Work Flow, Sales, Credit, Risk, Policy, Training, Marketing
Mumbai,MH

Summary

Sustainable Growth Strategy & Planning • Product & Policy Management • Fintech (Digitisation) • Risk Management • Mortgage Lending • Insurance Management • Alternate Channel Management • Business Process • Marketing • Business Process • Training • Improvement • Business MIS & Analysis Automation • Senior Leadership • Customer Referral Business • Customer Retention

Tech-savvy innovator with hands-on experience in emerging technologies and passion for continuous improvement in field of secured housing and mortgage loans. Skilled in identifying opportunities for technological enhancements and implementing effective solutions to scale business. Adept at leveraging new tools and methods to solve problems and enhance productivity. Excels in adapting to fast-paced environments and driving technological advancements.

Overview

24
24
years of professional experience
6
6

Years of National Role Experiance

3
3

PGDEDBM and Master Certification

20
20

Years of Home/Mortgage Finance Expertise

1
1
Certificate

Work History

Head Product & Strategic Initiatives

Motilal Oswal Home Finance Ltd
MUMBAI
11.2020 - Current
  • Strategic Initiatives and Planning: Long term sustainable growth planning to achieve 25% CAGR.
  • Business Automation : End to end digitization (origination to Loan closure). Lead a pan-India business initiative to improve sales efficiencies and leverage technology enabling tools. Responsible and lead a team and working with external consultants on identifying process changes and technological tools that will prepare the sales team for the next phase of growth piloting initiatives in multiple markets, and working out rollout plans for the initiatives.
  • Digital Transformation : Digital Lead Generation (Integration with social media, SEO, Pipeline intelligence, AI & ML), Digitization of Verification, Documentation including e-sign, e-stamp, Digitization of Credit Decision Making, Rule engine for soft approval, Risk score based Pricing, Vendor & business partner Integration through API, customer services (journey) though android/ios app, automation of performance and portfolio behavior review, Identification of weak-link, Data Warehouse and storage management as per IT act
  • Responsibility for defining & designing the product & policy development strategy, along with the successful communication and delivery of the strategy and deep understating of requirement gathering process via different channels and connect with the other functions for new implementation in process for business generation. Impact analysis every quarter. Portfolio management/review - Daily, Monthly & Quarterly MIS/Dashboards, Quarterly Review.
  • Business budget planning at various parameters i.e. sales, manpower, finance, portfolio acquisition, co-lending, distribution, etc with MD & CEO on business expectations. Identification of New potential locations & branch opening. P&L Management - Cost of acquisition/pricing strategy.
  • Handling Insurance business, partnership enrollment, engagement (new business and claims) and commercial negotiations
  • Handling all R&R (domestic & international destinations), incentive, & payout programs for home loans. Effectively downloading/driving the scheme to the last level and driving the motive behind the incentive scheme planned.
  • Effective handling of First Time Bounced cases and ensuring that QMC and Non-Starter cases are minimized initially and thereby making it ZERO. Analyzing weak customers and initiating activities for change of behaviors with various activities/camps/cm service etc.
  • Marketing Initiatives, DVC, New Website launched, SEO, Social Media Campaign, Connector/DSA campaign, Creative designing, Lead generation activity
  • Training – I lead project launched for First time manager, 6 class room session, Induction, process refresher, compliance training and Assessments.
  • BPEX – Risk Monitoring & Review, FTR monitoring for Login, Credit (RTRM), Technical, Legal, Disb Desk and IAD.
  • 2023-24 : HO - Entered in strategic partnership with JK Cement, Laon wired, Basic Home Loans. HO- CRE, PMAY 2.0, RRO, Pricing Module, CA License, Reject Review, Playing Captain, Off Role Model
    2022-23 : HO - Decision Making Model, Account Aggregator, Net banking, Bank & SMS Parsing, Took business change for 2 months, done every highest business since 2017.
    2021-22 : HO - 100% digitization of onboarding process – Pilot Run (Paperless – lead to loan disbursement) TAT and FTR improved by 70%. Open up 6 new branches in northern region.

National Product Manager

Motilal Oswal Home Finance Ltd
01.2018 - 11.2020
  • 2020-21 : HO - Automation of infographic MIS/Analysis - an hourly basis (all business processes) Optimized in-house sales app, one of the best apps among peers.
  • 2019-20: HO - Implemented product, policy, and process changes based on portfolio performance.
  • 2018-19 : HO - Project Wipe Out started - Early warning signal, Infant delinquency, Sales/Collection Sampark - Latlong based geo position monitoring tool for Sales/Collection.

Regional Head - GJ, MP, RJ

Motilal Oswal Home Finance Ltd
04.2015 - 07.2018
  • 2018-19 : Rajasthan - Credit and Operation Responsibility
  • 2017-18 : MP - Credit, Operation and Collection Set up made
  • 2016-17 : Gujarat - Made 21 branches fully Operative, 69 Employee traveled Overseas, Book size cross >600 Cr. (6832 borrowers)
  • 2015-16 : Gujarat - Made 11 branches fully Operative, 53 Employee traveled Overseas, Disbursed Home Loan of Rs. 324 Cr to 3525 borrowers

Regional Credit Manager - GJ

Piramal Capital and Housing Finance Ltd (Erstwhile known as Dewan Housing Finance Corporation Ltd.)
06.2014 - 03.2015

Branch Manager

Piramal Capital and Housing Finance Ltd (Erstwhile known as Dewan Housing Finance Corporation Ltd.)
01.2009 - 05.2014
  • QMC/NS – Risk Analysis and Monitoring. TAT / QC / Audit / Compliance Management - Audit Rated – AAA (2013)
  • New Product like 60:40, Saral, 50:50 launched
  • Credit Automation implemented joint project with IT
  • Vapi, Navsari, Bharuch Service Centre – Opened (Dec-2013) – Selected as Model Service Centre

Team Manager - Mortgages

India Infoline Housing Finance Limited (Erstwhile known as Moneyline Credit Ltd)
04.2008 - 12.2008

Relationship Manager - Team

Fullerton India Credit Company Limited
01.2007 - 03.2008

Team Leader - Sales

Home Loan Services India Pvt. Limited (A group company of HDFC Ltd.)
06.2005 - 12.2006

Territory Manager - Home Loans

HBL Global Pvt. Limited, HDFC Bank Ltd
05.2004 - 05.2005

Team Leader - Home Loans

Indus Care Financial Services, (A DMA of ICICI HFC Ltd)
06.2003 - 05.2004

Venue Executive (Insurance Sales) - Part Time

Image Management Services Pvt. Limited
05.2001 - 04.2003

Education

PGDEDBM - Advanced Planning, Marketing, Finance Management

GLS-CED, An Autonomous Institute
Ahmedabad
04.2002 - 2003.04

Master of Commerce - Cost Accounting and Strategy Management

Gujarat University
03.2002 - 2004.05

Bachelor of Business Administration - Marketing And Business Management

Sardar Patel University
Anand, Vallabh Vidhyanagar
05.1999 - 2001.05

Skills

Certification

Executive MBA - Organisational Leadership. S P Jain School of Global Management

Accomplishments

  • 2024-25: HO- CRE, PMAY 2.0, RRO, Pricing Module, CA License, Reject Review, Playing Captain, Off Role Model
  • 2023-24 : HO - MOF, AA/NB, IBT Process, Google Rating, International Trip to 220 People
  • 2022-23 : HO - Retention, PATU, SOP, DILO, Insurance Process made live, International Trip org for 180 people
  • 2021-22 : HO - 100% digitization of onboarding process (Paperless – lead to loan disbursement). TAT and FTR improved by 70%
  • 2020-21 : HO - Automation of MIS/Analysis - Hourly Basis (All business process). Optimized in house Sales App, one of the best app within peers.
  • 2019-20 : HO - Product, policy, process change done as per performance of portfolio
  • 2018-19 : Rajasthan - Credit and Operation Responsibility
  • 2017-18 : MP - Collection and Operation Set up made
  • 2016-17 : Gujarat - Made 21 branches fully Operative, 69 Employee travelled Overseas
  • 2015-16 : Gujarat - Made 11 branches fully Operative, 53 Employee travelled Overseas, Disbursed Home Loan of Rs. 324 Cr to 3525 Borrowers

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ASHOK JASANIHousing Finance – Product & Strategy, Digitisation & Process Work Flow, Sales, Credit, Risk, Policy, Training, Marketing