Prathmesh Maslekar
Risk Manager
Pune
Summary
Risk Manager with previous experience of 8.5 years experience in Credit underwriting extensively in Unsecured Loans,worked in User Acceptance testing of various products launched by organization along with scorecards, has knowledge of SQL and Python languages.
Overview
11
11
years of professional experience
4
4
Certifications
3
3
Languages
Work History
Risk Manager
TATA Capital Limited
01.2024 - Current
- Enhanced risk identification processes for early detection and mitigation of potential threats.
- Working in close co-ordination with various teams from Data Science, IT, Product, etc. for delivering on Risk KRAs such as scorecards, alternate validation methods, Loss forecasting etc.
- Monitoring portfolio triggers & suggesting actions to be taken wherever breached. Use analytics to track early warning measures and suggest corrective actions to maintain portfolio quality.
- Coordinating for monthly portfolio risk reviews & driving product wise risk reviews
- Sample Case Studies on a regular basis for delinquent cases or fresh disbursements in the overall portfolio.
- Impart trainings to the relevant teams through Digital or classroom mode and conducting regular knowledge tests.
- Usage of Technology especially when it comes to putting BREs in place, doing the UAT from Risk perspective, ensuring data quality & data integration across various systems being used
Credit Manager
TATA Capital Financial Services Ltd
3 2020 - 12.2023
- Credit Underwriting of unsecured Personal Loans.
- Controlling TAT and delinquencies.
- Handling FI agencies, Vendor visits for business development.
- User Acceptance testing (UAT) for the new products and scorecard launched by organization.
Assistant Credit Manager
LoanTap Financial Technologies Pvt Ltd
06.2018 - 02.2020
- Credit Underwriting of various products under unsecured Business and Personal Loans.
- Recruitment & Training of the credit team consisting of CPA, Vendors and Direct marketing agents.
- Controlling TAT and delinquencies.
- Vendor visits for business development
Assistant Manager for Working Capital Funding for SME
Yes Bank Ltd
01.2017 - 07.2017
- Sourcing Working capital loan proposals from market.
- Understanding need of customer and preparing Funding format.
- Collection of documents and thorough analysis of financial statements, Preparation of Credit Appraisal Memorandum of the proposal.
- Assist in delinquencies and disbursement of the loan.
Credit Officer Retail and Commercial Loans
TJSB Co-operative Bank Ltd
02.2013 - 08.2015
- Sourcing of retail and commercial loan proposals.
- Collection of documents and thorough analysis of financial statements followed by preparation of process note in alignment with the policy.
- Getting the proposal sanctioned by authorities.
- Preparation of sanction letter and completion of documents formalities.
- Third-party products sales.
Education
Master of Business Administration - Finance
MIT School of Management
Bachelor of Engineering (E&TC) -
Government College of Engineering, Jalgaon, North Maharashtra University
HSC - Science
Bharat English School & Jr College
SSC -
Nrisinha High School
Skills
Good understanding in Underwriting of unsecured loans
Worked in Technical and Financial environments
Knowledge of SQL and Python
Well-versed in Team Management
Certification
NISM-Series-XIII-Common Derivatives Certificate
Timeline
Risk Manager
TATA Capital Limited
01.2024 - Current
Assistant Credit Manager
LoanTap Financial Technologies Pvt Ltd
06.2018 - 02.2020
Assistant Manager for Working Capital Funding for SME
Yes Bank Ltd
01.2017 - 07.2017
Credit Officer Retail and Commercial Loans
TJSB Co-operative Bank Ltd
02.2013 - 08.2015
Credit Manager
TATA Capital Financial Services Ltd
3 2020 - 12.2023
Master of Business Administration - Finance
MIT School of Management
Bachelor of Engineering (E&TC) -
Government College of Engineering, Jalgaon, North Maharashtra University
HSC - Science
Bharat English School & Jr College
SSC -
Nrisinha High School
NISM-Series-XIII-Common Derivatives Certificate
NISM-Series-XV: Research Analyst Certificate
Financial Modeling
Dale Carnegie
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