Exploring new things
Prasad Surve
Manger-Risk
Mumbai
Summary
Analytical [credit -risk] equipped with in-depth understanding of financial risks associated with range of organizational actions. Focused on helping clients limit or balance risk against reward for optimal decision-making. Easily handles complex data to understand potential impacts, break down risk and develop recommendations. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
17
17
years of professional experience
3
3
Languages
Work History
Risk Manager
Neo-Growth Credit Private Limited
2 2023 - Current
- Worked as “Risk Manager” in Risk & Policy team, prepare Risk management reports & policy documents for business loan segments
- Strategic Initiatives: Automation of underwriting, System implementation & BRD, UAT
- Identified potential risk by analyzing various analytical reports by making trends
- Help the remain complaint on regulatory parameters (report includes Fraud, CTR, CRILC)
- End to end analysis and reporting of all market risk measures and provide detailed & meaningful commentary of metrics to senior business stakeholders
- Establish requirement for data management and working with IT on implementation
- Create reporting tools to monitor portfolio TTD analysis at segment level i.e
- Product, vintage, Risk segment, score band, various score card channels) to identify trend such as improved portfolio quality or heightened delinquencies and strategy changes to business
- Planning and scheduling Risk Control self-assessment (RCSA) testing; test evidence as part of management review of operating effectiveness
- Update observation for specific risk categories basis the outcome of RCSA exercise
- Prepare management deck (MIS) regarding risk monthly delivery such as finalizing AUM, stage & product wise APR%, Bucket balance (DPD report), Delinquency report, Performance Quality Report (PQR), performance-based pools, collection efficiency dashboard etc
- To contribute to and carry out credit projects such as through put analysis, ratio analysis, Monthly credit waterfall, sanction vs reject breakdown, etc
- Implementation of new policies in system: coordination with backend team for implementation of product policies in system, review validation (perform UAT testing) and suggest improvement to increase system efficiency
- Formulating policy documents & preparing product level BRD and getting the same approval from various stakeholders for process improvements
- Conduct QA/QC on all steps (raw data, data processing and analysis/report output) perform validation of report metrics against alternate data sources and perform comparison against benchmark
- Ensuring timely deliver of all portfolio related investors requirement from Treasury,finance etc addressing investor queries on risk& portfolio aspects.
- Engaged in regular Portfolio Quality Report (PQR) identifying & gathering all critical info,preparing special report as pert of adhoc presentation.
- Assist Head Risk in periodic review of policies and preparing insightful risk reports/risk presentations
- Testing Business Rule Engines and scorecard parameter at product level to recommend changes periodically and ensure execution of suggested improvements
- Taken care of quarterly/monthly functional audit reports on all risk tasks
- Pivotal role in launching new product/program considering the risk appetite of org.
Credit Manager
Aditya Birla Capital Limited
2022.04 - 2023.01
- Worked as “Credit Manager” in Credit team, handing Credit Risk and MIS for PAN INDIA location and work upon on Business Loan segments
- Prepare MIS report in agreed/standard format which need to be derived based on various reports
- Identify Gap analysis for BIL/DL loan reports
- Productivity monitoring & Publish reports to stakeholders within agreed TAT scheduled
- Coordination with PAN India regional heads and addressing issues across region
- Reviewed accounts for signs of fraud and non-payment issues
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time
- Liaise with central product and policy team for requirement from underwriting perspective
- Preparation of monthly presentation deck in credit monthly meet
- Publishing industry delinquency MIS data cuts within team
- Monitored accounts for signs of fraud and non-payment issues
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
Senior Executive
Neo-Growth Credit Private Limited
2018.05 - 2022.04
- Worked as “Senior Executive” for Credit team; handing credit analysis for PAN INDIA reports generated from backend systems to help them evaluate their business' daily activities or problems that arise, make decisions, and track progress
- Responsible to generate Daily/Monthly analytical credit reports by using Advance Excel functions
- Assisting management in strategy and planning, prepare presentation in credit monthly meet
- Expertise in handing Fraud Control Unit (FCU) agency assignment & their related queries along with Agency MIS consist of identify the peculiar fraud/Negative for PAN India location
- Responsible for daily work allocation to PAN India Underwriters on daily basis for Fresh+ Renewal and other NG Business product
- Publish credit dashboard, audit error forecasting, world check MIS for credit along with PAN India coordination for Case Update and audit related updates
- Participate in Audit Process, perform various Audit checks for CDA cases
- Preparation of Management committee deck for the board meeting along with credit presentation for credit monthly review
- Maintain Risk Control Self-assessment (RCSA) Framework, MC deck, TAT reports (credit & verification TAT), Credit Newsletters, credit policy documents & Deferral MIS etc
- Maintain Fraud tracker for fraud/negative cases; coordinate & follow up with agency as well as with ACMs for fraud/negative cases updating ensuring all cases are updated before disbursal
- Responsible for quarterly IRL credit data shared with Internal Auditors (KPMG) as and when required
- Also perform periodic checks such as CERSAI (secured cases)
- Responsible to manage verification agency process for PAN India in terms of Vendor Management & Vendor Billing, liaising with vendor/Finance team for various requirements.
Team Lead
Sutherland Global Services Private Limited
2014.01 - 2017.11
- Worked as “Team-Lead Quality” Role in Control Compliance &Quality Team (CCQ) in Sutherland Global Services since Jan'14
- Data Management Perform Regular Quality checks and ensure that the sampling methodology is followed along with Customer Comebacks Resolution Process (CCRP) is implemented in the team
- Scope of Improvement: Identify scope of improvement, help to improve operation and customer service quality by restructuring and evaluating process
- Visiting various operational sub processes by analyzing information as per defined parameter
- Responsible for automating and streamlining business processes by providing observations and checks
- Project coordination-Validate & follow up the project plan, Standard Operating procedure (SOP), CCRP log and documents the same
- Develop and Formulate Test plans and scripts for tracking defects and fixes in product development in process
- Report Writing- Preparing accurate reports, error trend analysis and reporting to the management on a daily/weekly/monthly basis
- Also maintain monthly dashboard report along with Error log report for process improvement which address to the concern
- Business Analysis-Understand requirement Quality controls and involve them in implementation on various task related to operations, internal projects on quality checks
- Requirement- Good understanding of travel operation &client requirement and execute the SOP, QC checks, and define process related threads/parameters accordingly
- Error Trends: Responsible for highlighting RCA and potential process gaps for error observations in operation however suggests affirmative solutions for improving the process
- Adherence: Data analysis and process adherence
- Manage customer escalations (client and operation)
- Identify major gaps and recommend solution ensuring QC% sampling is met day on day & maintain a minimum schedule adherence of >95%
- Prepare & share summarized CFO dashboard & account reconciliation with QR on weekly basis
- Process Write Back for sales, refund, and post manual, book provision entry for customer revenue
- Involvement in performing checks on sale documents as per ticket audit trail parameter
- Maintain & update SLA based checklist, Deliverable status, update and provide Email tracker with escalation to customer on fortnightly basis
- Inspired and managed teams in operational improvements, increasing overall productivity.
Lead Associate
ACCELYA KALE SOULTION PVT LTD
2008.02 - 2014.01
- Worked as “Lead Associate “in Sales domain for period of Six years in Passenger Revenue Accounting System
- Along with Revenue Accounting (PRA), Neutral Fare Proration (NFP) is a service offered by Kale and ATPCO
- Involvement & performing in database reports as well as QC Check such as Project Status reports, KPI Reports, LG% month close QC, Quality checks such as high/low value taxes, Sales VAT, FSA tax QC, Audit fare NULL, etc
- Performing Quality check on errors for reviewing; master set up issues & system bug/errors were highlighted to the concern team for correction and action items as per client intervention
- Report generation & Review on monthly processing & sales status report, exception report as well as QC on LG% high value includes responsibility of data correction & exception solving
- Oversight activities such as loading, mismatched in revenue & accounting related errors highlighted to support and Client including major Testing in UAT environment to fix the bug as per Live Prod
- Develop Quality reports &Templates relate to process manual &process data from data validation
- Also, contribution of weekly/monthly Project status &internal performance matrix report includes team performance report for senior management in process
- Use of SQL and SAP module (Info view/Business Object) for running reports.
Associate Consultant
WNS Global Services Pvt Ltd
2007.02 - 2008.01
- Worked as Senior Associate in WNS for a period of twelve months in Passenger Revenue Accounting System
- Performed Quality Checks for all the PFU related activities and conducted feedback with Quality Leader in the Team
- Maintaining accurate and thorough customer documentation and submitting detailed records in a timely manner
- Action on SSR (Special Service Request) of customers through mail or name records (PNR)
- Allocating them the specific seats & also order special meal as per the request of Passenger/Client
- Checking, action on all SSR mails for virgin Atlantic flight related to the customer issues
- Sending requests to Customer and other airlines for information on documents
- Conducted periodic project reviews and audits and maintained accurate and timely project reporting.
Education
Master of Business Administration - Finance
Institute of Technology And Management (ITM)
Bachelor of Commerce - Commerce
Mumbai University
Higher Secondary Certificate - Commerce
Mumbai University
Secondary School Certificate - Other
Mumbai University
IATA/UFTAA Foundation Course Examination - Travel
IATA/UFTAA
International Airline & Travel' management - Diploma
Trade wing Institute of Management
Skills
Root Cause Analysis
Internal Controls
Risk Mitigation
Key risk indicators
Portfolio Management
Data / trend Analysis
NPA Analysis
Accomplishments
- Nominated for Spot Award in Risk Team for driving monthly dashboard on timely manner with 100% accuracy.
- Selected for 2-Active Awards in credit for coordination & data maintenance in Neo Growth Org.in Apr'20.
- Voted for Entrepreneur skills from Quality Global Head for CIP programme for Quality in SGS.
- Successfully completed "LEAD100" Certification from Sutherland Global Talent & Acquisition team
- Recipient for Award Feather in Cap, Star performance award in (Accelya), Shooting Star, Champ of the Ramp in (Sutherland Global) in current organization.
Systemproficientskills
- Advance Excel
- NBFC Apps (Advance Suite, Lentra)
- Refinitiv (World Check application)
- Power BI
- Windows 2000, XP, 2003, Windows Vista and 07
- Business PowerPoint
- Business Object
- Share point
Skillsets
- Rejection Analysis
- Internal Audit Checks
- Data Analysis,Dashboard & Reporting
- RCSA
- Report Analysis
- Task automation, Process Improvement
- Analytical Report & Presentation
- Data Validation & UAT Testing
- Quality Control & Quality checks
- Vendor management
- Leadership
- Communication
Interests
Timeline
Credit Manager
Aditya Birla Capital Limited
2022.04 - 2023.01
Senior Executive
Neo-Growth Credit Private Limited
2018.05 - 2022.04
Team Lead
Sutherland Global Services Private Limited
2014.01 - 2017.11
Lead Associate
ACCELYA KALE SOULTION PVT LTD
2008.02 - 2014.01
Associate Consultant
WNS Global Services Pvt Ltd
2007.02 - 2008.01
Risk Manager
Neo-Growth Credit Private Limited
2 2023 - Current
Master of Business Administration - Finance
Institute of Technology And Management (ITM)
Bachelor of Commerce - Commerce
Mumbai University
Higher Secondary Certificate - Commerce
Mumbai University
Secondary School Certificate - Other
Mumbai University
IATA/UFTAA Foundation Course Examination - Travel
IATA/UFTAA
International Airline & Travel' management - Diploma
Trade wing Institute of Management
Similar Profiles
Ankit KhandelwalAnkit Khandelwal
Product Manager - Lending and TPAP (UPI) at Neo Banking App | RapiPay Fintech Private LimitedProduct Manager - Lending and TPAP (UPI) at Neo Banking App | RapiPay Fintech Private Limited
Rushi PrajapatiRushi Prajapati
Lead Engineer - Software QA at Neo Sense Vector Technology Private LimitedLead Engineer - Software QA at Neo Sense Vector Technology Private Limited
Amruta SatputeAmruta Satpute
Exempt Non Officer at Credit Suisse Services (India) Private LimitedExempt Non Officer at Credit Suisse Services (India) Private Limited