Summary
Overview
Work History
Education
Skills
Projects
Timeline
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Rajendra Sahu

Senior Manager-Credit
Delhi,New Delhi

Summary

A Demonstrated professional with 7 years' work experience in the field of Credit Underwriting & Policy, with expertise of various score card development in terms customer segment & Risk, Fraud Analytics with Implementation of underwriting model by utilizing domain knowledge of training skills like Banking, credit appraisal, credit assessment, risk management for the better growth of the organization.

Overview

6
6
years of post-secondary education
7
7
years of professional experience

Work History

Senior Manager

StashFin
Delhi, DELHI
06.2021 - Current
  • Managing the credit & Policy team and facilitating the entire credit function
  • Responsible for designing and building the risk and underwriting infrastructure for the most innovative consumer lending platform in India.
  • Coordinate with IT , BI & product team and recommend for changes if based on product/market requirement.
  • Setting the vision and strategy for the credit function working in collaboration with senior leadership team.
  • Guiding team about underwriting process & significantly improved the quality of portfolio and enhanced the asset size

Manager-Credit Policy & Underwriting

EarlySalary
Pune, Maharashtra
02.2016 - 05.2021
  • Managing the credit & Policy team and facilitating the entire credit function
  • Accountable for the maintenance of overall underwriting quality across the organization for unsecured personal loans
  • Evaluate credit and risk strategies and develop improvements in lending policies, credit scoring and risk mapping via data points.
  • Coordinate with IT , BI & product team and recommend for changes if based on product/market requirement.
  • Setting the vision and strategy for the credit function working in collaboration with senior leadership team.
  • Regularly monitoring credit discipline norms for Individual borrowers & implementing credit mitigate to reduce the risk factor of loss and maintain a very low delinquent portfolio and enhanced the asset size.
  • Responsible for designing and building the risk and underwriting infrastructure for the most innovative consumer lending platform in India.

Credit Process Manager

ICICI Bank Ltd.
Pune, Maharashtra
05.2014 - 02.2016
  • Analysis of Financial statements, Cash flows and various financial ratios of corporate borrowers and recommending high value cases to the higher management.
  • Credit appraisal and underwriting of mortgage loan for individual/partnership/corporate borrowers. Underwriting includes portfolio risk analysis, Compliance of RBI set up norms, valuation, and local legal compliances.
  • Guiding team about underwriting process & significantly improved the quality of portfolio and enhanced the asset size.
  • Interact with Customers & understand the business and regularly monitor delinquencies.

Education

PGDM - Finance

MIMTS
Bhubaneswar, Odisha
04.2012 - 04.2014

Bachelor of Commerce - Finance

Fakir Mohan University
Balasore, Odisha
03.2009 - 04.2012

Financial Modelling - Equity Research & Project Finance

IMS ProSchool
Pune
05.2017 - 05.2018

Skills

Credit & Risk Management

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Projects

Fin-tech Eco System

  • Underwriting Automation
  • Credit Scoring Model
  • Fraud Detection Rules
  • Income Estimation Validation

Timeline

Senior Manager

StashFin
06.2021 - Current

Financial Modelling - Equity Research & Project Finance

IMS ProSchool
05.2017 - 05.2018

Manager-Credit Policy & Underwriting

EarlySalary
02.2016 - 05.2021

Credit Process Manager

ICICI Bank Ltd.
05.2014 - 02.2016

PGDM - Finance

MIMTS
04.2012 - 04.2014

Bachelor of Commerce - Finance

Fakir Mohan University
03.2009 - 04.2012

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Rajendra SahuSenior Manager-Credit