Mohan Samant

Chartered Accountant with over 10 years of experience in credit risk, policy formulation, and underwriting (digital and manual) across secured and unsecured lending portfolios. Proven expertise in developing risk frameworks, managing portfolio health (₹50,000+ crore AUM), and leading credit analytics for both digital lending ecosystems and corporate customers. Skilled in aligning risk strategy with business objectives, implementing data-driven decision engines, and ensuring regulatory compliance. Experienced in building and leading large cross-functional risk teams across banks, NBFCs, and fintechs.

• Instrumental in setting up CLG and SME businesses from scratch, including product approvals from the Board, process approvals from the Process Approval Committee, and underwriting policy approvals from the Senior Management Committee. Built a ₹5,000+ crore portfolio within 1.5 years with nil NPAs.
• Liaised and finalized commercials with credit bureau agencies and financial data aggregators such as Accumn, Probe42, Signzy, Zigram, and Dow Jones. Currently the SPOC for these services for the CLG and SME verticals.
• Drafted and assisted in developing compliance frameworks including risk categorization, KYC guidelines, connected counterparty exposure, related party transactions (RPT), and lending to key managerial personnel — frameworks now implemented across Jio Capital Limited.
• Instrumental in establishing digital underwriting models and scorecards from inception at ICICI Bank and Chqbook.
• Recognized with the Asian Banker Award (2016) for innovation in digital credit initiatives (CAOD product) at ICICI Bank.
• Successfully led teams of 30+ professionals across credit policy, underwriting, and risk analytics functions.