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
04.2022 - 01.2023
- 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
05.2018 - 04.2022
- 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
01.2014 - 11.2017
- 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
02.2008 - 01.2014
- 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
02.2007 - 01.2008
- 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
04.2022 - 01.2023
Senior Executive
Neo-Growth Credit Private Limited
05.2018 - 04.2022
Team Lead
Sutherland Global Services Private Limited
01.2014 - 11.2017
Lead Associate
ACCELYA KALE SOULTION PVT LTD
02.2008 - 01.2014
Associate Consultant
WNS Global Services Pvt Ltd
02.2007 - 01.2008
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
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