Prashant Awasthi

· Credit Risk Assessment: Conduct thorough credit risk assessments of proposals of Supply Channel Finance (SCF), including analyzing financial statements, project reports, and market data.

· Handling product like SID, PID, Vendor Finance and Factoring, with approving authority upto Rs 1 Cr.

· Risk Mitigation: Develop and implement risk mitigation strategies to minimize credit risk exposure.

· Credit Approval: Prepare and present credit proposals to the credit committee for approval.

· Portfolio Management: Monitor and manage the credit risk portfolio, identifying potential issues and taking proactive measures to mitigate risk.

· Stakeholder Management: Collaborate with internal stakeholders, including project finance teams, relationship managers, and credit committees.

· Due Diligence of Corporate Clients and Analyzing Primary and Secondary Collateral Quality

· Train the team of the CPA, to ensure the smooth credit processing.

· Regulatory Compliance: Ensure compliance with regulatory requirements and internal policies related to credit risk management.

• Managing PAN India Portfolio for Supply Chain/Dealer Financing and High-Value Customers (HVC)
• Approving limits under the delegated approving authority
• Formulate Policy Parameters and Product Note.
• Managing external lenders (Co- Lending partners) in managing end-to-end process
• Periodic review of the portfolio in accordance with the current Industry scenario and recent RBI Circular, making amendments to Policy accordingly.
• Monitoring collection efficiency, giving inputs to Management
• System Automation for improving team efficiency and productivity
• Coordinate with cross-functional teams for smooth flow of business and maintaining SOP
• Build multiple scorecards/programs as an outcome of a team effort with the help of the Data Science and Technology team.

• Underwriting of MSME customers in different programs as per the laid out policy of the organization.
• Supporting business flow by ensuring efficient resource allocation and productivity through daily & weekly planning & monitoring
• Supervising a team of CPA/CM and ensuring the productivity of the team members
• Managing the portfolio of cases underwritten to ensure a profitable portfolio.
• Coordination with the business team & collection team to ensure regular follow-ups and visits with delinquent/critical clients
• Liasioning with other departments /stakeholders like Sales, RCU, Ops, and vendors for timely report coordination

• Heading the Credit appraisal of SMEs for fund base exposure like Term loan, Settlement finance and Line of Credit, in categories of Retail, E-commerce, Money Transfer, Food industry (online restaurants), B2B and more.
• Ensuring the team adhere the policy guidelines and monitoring the amendment if required, training and supervise the team of Credit Underwriters (Team Size 20 + ).
• Managing external lenders (Co- Lending partners) in managing end-to-end process of lead assignment, approval, TAT, disbursal, and post-sanction follow up with respect to each lender partner.
• Coordinate with Analytics Team for development of Credit Risk Scorecard for segments.
• Monitoring of existing portfolio to maintain quality & reducing delinquency at minimum Perform.
• Providing policy training to Sales and QC teams related to credit operations to improve quality login of files.
• Monitoring of team Experian Hunter, FI Team and ensure TAT or SLAs are met

• Credit appraisal of SMEs for fund base exposure like Line of Credit and Term loans in categories of Retail, E-commerce, Money Transfer, Food industry (online restaurants), B2B, and more.
• In-depth analysis of accounts, financial analysis, understanding of the working capital cycle, analyzing the performance and creditability of entities like proprietorships, partnerships, companies etc.
• Ensuring the team adheres to the policy guidelines and monitoring the amendment if required.
• Managing external lenders (Co- Lending partners) in managing the end-to-end process of lead assignment, approval, TAT, disbursal, and post-sanction follow-up with respect to each lender partner.
• Coordinate with Analytics Team for the development of a Credit Risk Scorecard for segments.
• Monitoring of existing portfolio to maintain quality & reducing delinquency at minimum Perform.
• Handling team of Credit officers and AM Credits and maintaining TAT and quality for all coming applications.

• Credit appraisal of SMEs for fund base exposure like Line of Credit and Term loans in categories of Retail, E-commerce, Money Transfer, Food industry (online restaurants), B2B, and more.
• In-depth analysis of accounts, financial analysis, understanding of the working capital cycle, analyzing the performance and creditability of entities like proprietorships, partnership, companies etc.
• Clients (PD) & researching the history of clients in order to understand their previous credit situation and understanding their credit needs and requirements.

• Evaluating the creditworthiness of potential customers by analyzing the KYC, Financials, Banking, CIBIL and other parameters.
• Due diligence based upon discussions with suppliers, customers and other third parties associated with the client to verify credentials.

• Working with the Credit Risk and Business Development teams to ensure completion of SME loans from Religare.
• Processing all applications through a workflow system effectively, within agreed with company policies, procedures and lending criteria with Religare.
• Checking all KYC documents and standards of applications for SME Loans precisely and process them for further to Religare.
• Handling database of Customers who are registered with Just Buy Live from JBL Application.

• Responsible for conducting research Secondary Research for Anti Money Laundering (AML) process for Risk Management.
• Putting into effect Know Your Customer “KYC” and Customer Due Diligence “CDD” regulations for service providers and creation of database.
• To research and gather all possible of PEPs (Political Exposed Persons) of the given territory, those could be underlying in Maximum Risk Range for Money Laundering.
• Research for all possible information about PEPs i.e. date of birth, birth address, family, previously and current hold designations, general and possible negative news information etc, from valid government and public sources.