Pritesh Wani

• Prepare Risk Management Committee (RMC) decks and investor presentations quarterly to report portfolio performance and facilitate informed decision-making
• Automated customer categorization processes to improve efficiency in portfolio retention activities
• Analyze customer attrition trends monthly to develop retention strategies and optimize customer segmentation
• Collaborate with external stakeholders on activities such as refinancing through NHB, pool assignments to external banks, and pool purchases, ensuring seamless execution and compliance
• Develop and implement risk-related policies and amendments, addressing emerging portfolio challenges
• Work closely with cross-functional teams (Business, Credit OPS, IT) to streamline processes, reduce system risks, and improve functionality
• Products Managed:

1. Pre-Approved Loans

• Analyzed historical portfolio performance and contributed to the development of risk policies for the product launch
• Monitored portfolio performance post-launch and recommended changes to risk parameters for improved outcomes
• Conducted audits and monitored Turnaround Time (TTD) for approved loans, ensuring adherence to risk thresholds

2. LAP HNI

• Oversaw monitoring and analysis of the HNI portfolio to ensure compliance and performance tracking
• Automated rental tracking for Lease Rental Discounting (LRD) customers, improving operational efficiency
• Prepared and presented Customer Assessment Memos (CAMs) to support portfolio reviews and risk mitigation
• Enhanced risk identification processes for early detection and mitigation of potential threats.
• Conducted regular audits of existing policies and procedures, ensuring their continued effectiveness in addressing organizational goals related to mitigating risks.
• Conducted thorough analysis of historical data, helping identify patterns and trends in potential risks.

• Credit underwriting for HL cases
• Credit underwriting of Salaried and SENP cases by analyzing the creditworthiness of the customer from their financials, repayment track record and personally meeting and understanding the business model
• Handled cases of ticket size 50 Lacs to 3 CRs
• Analyzing the technical and legal aspects of the cases by studying the reports from vendors
• Assisting the disbursement of cases, approving OTC/PDD (over the counter/ post disbursement docs) and other appropriate mails by understanding and mitigating the Risk factors
• Handling of MIS's and co-ordination with internal and external auditors

• Primary work involved Credit appraisal of loan applications by reviewing financials of applicant i.e
• Bank statements, audit reports, credit reports etc, verification of the legal & technical reports, conducting personal discussion with applicant for understanding applicant's business and assessing the financial as well as LTV based eligibility
• Supervising data verification, field investigation, legal verification and technical verification activities with a view to obtain accurate information to assess the creditworthiness of the client
• Conduct regular meetings with vendors such technical, legal, field verification agencies to understand the loopholes in current procedure and make suitable process changes to improve the overall quality and TAT for decisioning a case
• Tracking of the post disbursal documents
• Give regular feedback to sales on various issues like file quality, DSA & train them on credit policy
• Following up with delinquent customers through soft calling and sensitizing them to pay EMI in a timely manner
• Evaluating the market environment constantly and providing feedback and proposals to the policy team for improving credit appraisal accuracy and process improvement

Project Topic 1: Cost estimation, monitoring and control of an EPC project

• Abstract: The project focuses on different project cost management principles and processes involved in preparing a cost estimate, budget, monitoring and controlling cost for an EPC project
• Analysis of an EPC project showed that few of the major reasons of cost overrun were changes in the scope of the project, implementation of GST and inaccurate pre-bid cost estimates

Project Topic 2: Accounts receivables optimization of Supplies

• Abstract: The objective of the project was optimizing accounts receivables of supplies of an EPC project
• It focuses on improving the cash conversion cycle by reducing the invoicing time
• The analysis of the project shows that major reasons for delay in invoicing were implementation of GST, delays in finalization of billing schedules, time consumed in acquiring documents can be solved by automation; Electronic invoicing can simplify issuing invoices