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 - 04.2003
Master of Commerce - Cost Accounting and Strategy Management
Gujarat University
03.2002 - 05.2004
Bachelor of Business Administration - Marketing And Business Management
Sardar Patel University
Anand, Vallabh Vidhyanagar 05.1999 - 05.2001
Skills
Home Loan & Mortgage Business Modeling
Having 22 yrs Affordable Housing and Mortgage business expertise including Strategy, Product, Process, Policy, Digitisation, Automation, Score/Rule Engine, Business Strategy, Expansion, Sales, Credit, Operation, Recovery, Accounting, Collection, Legal, Technical, Admin, Marketing, Training, Audit and Statutory Compliances
Adept at driving growth of company revenues and improving overall performance Exceptional mentor and coach
Knowledge of geographical spread across the southern, central and north west market of the nation
Understand very well market practices, borrower profiles, repayment culture, trend, legal and technical aspects of the key locations
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