Mohan Samant
Mumbai
Summary
Credit & Risk Leader with ~14 years of experience across banking, NBFC, and fintech ecosystems, having built and scaled ₹18,500+ crore lending portfolios and led credit oversight for ₹50,000+ crore AUM. Chartered Accountant (First Attempt) with a strong track record of founding Credit & Policy functions, scaling unsecured and secured lending businesses, and maintaining portfolio quality during high-growth phases. Deep expertise in digital origination, NPA management, EWS, audit & RBI compliance, and governance-led risk frameworks, known for balancing aggressive growth with disciplined credit outcomes while building and leading high-performing teams of 30+.
Overview
14
14
years of professional experience
Work History
Band II - CREDIT AND POLICY
Jio Credit Limited
Mumbai
08.2023 - Current
- Founding member of the Credit & Policy function; built the end-to-end credit and risk framework from ground up for a digital and phygital lending platform.
- Led product approvals, policy formulation, and underwriting teams to scale a ₹10,000+ crore portfolio across CLG, Retail, and SME segments, while maintaining strong portfolio quality and risk discipline.
- Owned secured and unsecured lending credit risk, including underwriting standards, approval hierarchies, and portfolio governance.
- Built and trained underwriting and credit teams, ensuring consistent policy application and credit discipline at scale.
- Designed and deployed data-driven underwriting models and BRE rules, integrated with LOS/LMS platforms (Veefin, Zoho, Ezze) to enable scalable digital origination.
- Established MIS, delinquency tracking, NPA monitoring, and EWS frameworks, enabling early identification and control of emerging risks.
- Implemented operational risk controls across credit processes, including maker-checker, exception management, and policy deviation governance.
- Owned audit readiness and regulatory compliance, managing internal and external audits in line with RBI and NBFC requirements.
- Led periodic policy reviews, stress testing, and recalibration, aligning credit strategy with portfolio performance and risk trends.
VICE PRESIDENT - CREDIT AND POLICY
Nineroot Technologies Pvt Ltd
Gurugram
09.2021 - 07.2023
- Built the end-to-end digital credit and policy framework for secured and unsecured lending models, including FLDG and lead-generation structures.
- Scaled the portfolio to ₹500 crore and built a 30+ member underwriting, operations, and policy team from inception.
- Led underwriting teams to ensure consistent, policy-compliant credit decisions during rapid scale-up.
- Designed digital origination journeys, underwriting logic, and portfolio-level norms for high-growth fintech lending.
- Conducted API-level evaluations of bureaus, fintech partners, and alternate data providers to strengthen decision models.
- Implemented digital portfolio monitoring across delinquency, bounce trends, concentration risk, and EWS triggers.
- Led monthly portfolio reviews, forecasting, and stress testing, particularly for unsecured product volatility.
CHIEF MANAGER - CREDIT AND POLICY
ICICI Bank limited
Mumbai
08.2016 - 09.2021
- Led credit policy oversight and portfolio risk management for ₹50,000+ crore AUM across secured and unsecured retail and MSME portfolios.
- Developed digital underwriting policies, BRE norms, and lending algorithms for high-volume retail and MSME products.
- Built and scaled an ₹8,000+ crore digital lending book, with annual disbursements of ~₹3,000 crore, while maintaining portfolio quality.
- Owned portfolio monitoring, forecasting, and EWS-based risk tracking across delinquency behavior and sector exposure.
- Partnered with collections teams on risk reduction and NPA management strategies.
- Evaluated fintech partners for digital lending alliances and data-driven underwriting models.
- Managed cross-sell and up-sell strategies using bureau and internal data insights.
Financial Analyst
Medical Solutions India Pvt. Ltd.
08.2015 - 07.2016
Audit Assistant
R.J. Malpathak & Associates
04.2012 - 07.2015
Education
Chartered Accountant (CA) - undefined
ICAI
01.2015
Master of Commerce (M.Com) - undefined
Pune University
01.2015
Advanced Corporate Credit & Complex Financial Statement Analysis - undefined
CRISIL
01.2024
Skills
- Credit Policy & Risk Management
- Portfolio Quality & NPA Management
- Forecasting
- Stress Testing
- EWS
- Digital Underwriting
- Decisioning
- Retail Lending
- MSME Lending
- Corporate Lending
- Business Rule Engine (BRE)
- LOS/LMS Implementation
- APIs
- Fraud Controls
- Operational Risk Controls
- RBI Regulatory Compliance
- NBFC Regulatory Compliance
- Audit Governance
- Internal Controls
- Team Leadership
- Accountability
- Senior Stakeholder Management
Websites
Timeline
Band II - CREDIT AND POLICY
Jio Credit Limited
08.2023 - Current
VICE PRESIDENT - CREDIT AND POLICY
Nineroot Technologies Pvt Ltd
09.2021 - 07.2023
CHIEF MANAGER - CREDIT AND POLICY
ICICI Bank limited
08.2016 - 09.2021
Financial Analyst
Medical Solutions India Pvt. Ltd.
08.2015 - 07.2016
Audit Assistant
R.J. Malpathak & Associates
04.2012 - 07.2015
Chartered Accountant (CA) - undefined
ICAI
Master of Commerce (M.Com) - undefined
Pune University
Advanced Corporate Credit & Complex Financial Statement Analysis - undefined
CRISIL