Summary
Overview
Work History
Education
Work Availability
Skills
Timeline
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Praveen Kulkarni

Credit Risk Management
Pune,MH

Summary

Head Risk Policy with 16 years of experience in the areas of Credit Risk Management, Risk Policy, Unsecured Lending

Dynamic and competent professional with in-depth knowledge of Credit Risk Policy formulation & implementation and Portfolio Management

Possess excellent interpersonal, communication and organizational skills with proven abilities in planning, stakeholder management, customer relationship management.

Overview

6
6
years of post-secondary education
16
16
years of professional experience

Work History

Head - Risk Policy - Credit Cards

IDFC First Bank
Mumbai, MH
09.2020 - Current
  • Responsible for developing and implementing Credit Risk strategies for Credit Cards as part of Cards launch
  • Implementation of Risk Policy in Decision Engine (FICO) and Loan Origination System(SFDC)
  • Responsible for improving portfolio quality, Mitigating Risk & Losses
  • Implementation of Acquisition/ Behaviour Scorecards, line assignment & account management strategies
  • Development of Challenger strategies to test hypothesis

National Head Risk - Credit Cards/EMI Cards

Bajaj Finance Limited
Pune, MH
10.2016 - 09.2020
  • Responsible for setting up Credit Risk Unit for Credit Cards
  • Designed Policy and Processes and implemented in Decision engine
  • Acquired 2Mn customers in first 2 Yrs and maintained healthy portfolio quality
  • Responsible for improving portfolio quality, Mitigating Risk & Losses
  • Portfolio Management of EMI Card consumer durable Lending, including newly launched Retail EMI and ECOM business

Vice President - Risk Management

GE SBI Cards
Gurgaon, HR
05.2014 - 09.2016
  • Responsible for Design & Development of New Policies/Programs for Acquisition
  • Manage & Control Credit Risk through effective deployment of systems, procedures
  • Credit Risk Process automation for consistent credit assessment & Credit policy implementation in decision Engine (NBSM)
  • Assess Risk of all new products introduced and amendments in the policies based on portfolio performance

Associate Vice President - Credit

Kotak Mahindra Bank Limited
Mumbai, MH
06.2008 - 04.2014
  • Setting up of Credit Underwriting unit for Credit Cards as part of Credit Cards launch
  • Early delinquency tracking, Monitoring portfolio performance and implementing the learning in credit appraisals

Manager - Credit Risk Management

Deutsche Bank AG
Mumbai, MH
08.2006 - 05.2008
  • Automation of Credit Processes, Rationalization of CPV, Bureau Policy automation to reduce Cost and turnaround time
  • Ensured processing as per service level benchmarks laid down by company.

Officer - Smart Credit

Standard Chartered Bank
Bangalore, KA
08.2004 - 08.2006
  • Worked towards streamlining and implementation of Credit process

Education

MBA - Finance & Marketing

Alliance Business Academy
Bangalore
11.2002 - 11.2004

Bachelor of Engineering - Chemical Engineering

Siddaganga Institute Of Technology -Bangalore Univ
Tumkur
12.1996 - 12.2000

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Skills

Portfolio Management

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Timeline

Head - Risk Policy - Credit Cards

IDFC First Bank
09.2020 - Current

National Head Risk - Credit Cards/EMI Cards

Bajaj Finance Limited
10.2016 - 09.2020

Vice President - Risk Management

GE SBI Cards
05.2014 - 09.2016

Associate Vice President - Credit

Kotak Mahindra Bank Limited
06.2008 - 04.2014

Manager - Credit Risk Management

Deutsche Bank AG
08.2006 - 05.2008

Officer - Smart Credit

Standard Chartered Bank
08.2004 - 08.2006

MBA - Finance & Marketing

Alliance Business Academy
11.2002 - 11.2004

Bachelor of Engineering - Chemical Engineering

Siddaganga Institute Of Technology -Bangalore Univ
12.1996 - 12.2000

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Praveen KulkarniCredit Risk Management