Pramod Kumar Gupta
Greater Noida West
Summary
Assistant Vice President with extensive experience in Banking and finance sector, specializing in operations management and credit underwriting. Proven track record of leading cross-functional teams to enhance operational efficiency by 95%. Expertise in business analysis and project coordination has resulted in substantial improvements in project outcomes and alignment with organizational goals.
Overview
10
10
years of professional experience
Work History
Assistant Vice President of Operations
Save Micro Finance Pvt Ltd
Delhi
09.2024 - Current
- Working on a Specific project called "Samadhan" to fund small and micro enterprises across 6 states with SFSPL
- Led cross-functional teams in successful implementation of new processes or technologies related to operations activities.
- Collaborated with other departments to ensure alignment between operational objectives and companywide goals.
- Provided technical guidance regarding operations-related issues; consulted with team members on best practices for meeting deadlines or resolving conflicts.
- Evaluated existing procedures to identify areas of improvement; developed action plans to streamline workflow processes while ensuring regulatory compliance.
- Analyzed data from various sources to understand current level of service provided by operations team; recommended changes based on findings.
- Coordinated with vendors and technology partners in order to obtain the necessary resources needed for the successful completion of projects.
Asst. Vice President (Area Credit Manager)
RBL Bank Ltd
Delhi
04.2024 - 09.2024
- Leading a team of eight underwriters and CPAs, and managing a business volume of up to 20 crore per month.
- Managing products: Affordable and Prime home loans up to 10 Cr, micro laps up to 50 lakhs.
- Having underwriting authority of 75 lakhs.
- Responsible for delivering high-quality underwriting with 100% compliance. Ensuring timely decision-making of cases within TAT.
- Analysis of financial ratios to understand the financial health of the company or firm. Underwriting for individual and non-individual profiles, commercial CIBIL, and CMR.
- Legal report and technical report analysis, overrides check as per policy. Collateral appraisal for LTV, overrides in the collateral, and property legal chain documents.
- Analysis of financial strengths of MSME business and funding potential
Regional Credit Manager
Choice FinServ Pvt Ltd
Delhi
10.2022 - 04.2024
- I have worked extensively on product and policy development, including the digitization of processes.
- Worked in close coordination with the NCM/Risk head for product development for Delhi/NCR.
- Underwriting of LAP, HL, cases for SENP and salaried individuals, under banking surrogate, GST, and AIP.
- Conducting detailed PD for high-value cases for SENP cases, ratio analysis, working capital gap, leverage analysis, and detailed analysis of business cash flows vis-à-vis financials.
- Legal and technical report analysis, approvals of appropriate legal and technical deviations.
- Team management, ensuring team productivity, and ensuring closure of cases within TAT.
- Managing the entire Delhi/NCR Credit Team for the underwriting of Secured LAP Loans.
- Looking after the entire credit function for the timely decision-making of secured and unsecured loans.
- Regular work on the digitization of the entire credit appraisal process, including BRE development.
- Training the credit/sales team on policies, processes, maintaining the approval ratio, ensuring the team adheres to the policy and compliance, disbursement of loans, PDD, and OTC clearance.
Manager
Axis Bank
11.2020 - 10.2022
- Home Loan Underwriting for SENP and Salaried Cases
- Having authority of L2, Review and approving cases of up to 40 Lakhs and forwarding cases to next level for deviation approval
- Conducting PD with customers while Credit Appraisal
- Managing Team of Underwriters and CPA
- Team management includes closure of cases within TAT and ensuring PD / FI reports are received from vendor on time
- QC management for processed cases of vendors, report sending and ensuring zero error in data entry by vendor
- Co-ordination with vendors for quality improvement
- MIS and report preparation for team and presentation to the ZCM
Associate Manager - Credit (Team Lead)
India Mortgage Guarantee Corporation
06.2018 - 11.2020
- Underwriting Mortgage Guarantee Loans of salaried and self-employed segment for Lenders (ICICI Bank, ABHFL, SHFL, TCHFL)
- Analysis of B/S, Profit & Loss Account to understand the financial strength of business
- Efficient analysis of Assessed Income & co-relating the same with P&L and GST to get actual cash flow of the business
- Analysis of key financial ratios of the business
- Recording key deviations while underwriting and mitigating them with accurate mitigants
- Underwriting loan valued up to 2.5 Crore
- Ensuring adherence to Credit Policies for 0% audit errors
- Co-ordinate with Lender ZCM, RCH and IMGC sales head for closure of high value cases (loans)
Sr. Analyst - Credit & Risk
Simpa Energy India Pvt. Ltd.
08.2014 - 06.2018
- Lead Off balance sheet financing with RBL Bank: Appraisals to Disbursements of loans
- Coordination with RBL credit and operation team for prompt appraisal and disbursal of Loans
- Proactive Planning of credit appraisal, credit underwriting considering the sales velocity and ensure 95% applications appraised within TAT
- Handling cases escalated to Level 1 as per Credit Norms and resolution by coordination with sales team
- Assistance to “Credit Head” on resolution of cases escalated to Level 2
- Analyzing payment behavior in specific clusters and devising action plan for smart collection
- Keep a close watch on customer profile and associated portfolio risks
- Introduce mitigants against those risks
- Review of areas, occupation to avoid based on delinquency rate
- Analyzing repayment ability of the customers in correlation with customer profile
- Publish useful insights on appraisal, NPA, Portfolio Performance, RBL business metrics etc
- Support to Legal Team on initiating legal notices to defaulting / delinquent customers
Education
MBA - Marketing and Business Analytics
Galgotias University
Greater Noida05.2014
BBA -
Integral University
Lucknow05.2011
Skills
- Proficiency in MS Office
- Cross-functional coordination
- Operations management
- Business analysis
- Cross-functional team management
- Process improvements
- Credit Underwriting
Location - Currentaddress
Flat No 1707-A10, Habitech Panchtatva, Greater Noida West, Uttar Pradesh, 201305
Personal Information
- Father's Name: Shri Amla Prasad Gupta
- Mother's Name: Kaushalya Gupta
- Date of Birth: 01/15/92
- Marital Status: Married
Languages
English
First Language
Timeline
Assistant Vice President of Operations
Save Micro Finance Pvt Ltd
09.2024 - Current
Asst. Vice President (Area Credit Manager)
RBL Bank Ltd
04.2024 - 09.2024
Regional Credit Manager
Choice FinServ Pvt Ltd
10.2022 - 04.2024
Manager
Axis Bank
11.2020 - 10.2022
Associate Manager - Credit (Team Lead)
India Mortgage Guarantee Corporation
06.2018 - 11.2020
Sr. Analyst - Credit & Risk
Simpa Energy India Pvt. Ltd.
08.2014 - 06.2018
MBA - Marketing and Business Analytics
Galgotias University
BBA -
Integral University
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