RAJESH KUMAR GUPTA
Greater Noida West
Summary
Seasoned Credit Risk & Credit Operations Leader with 15+ years of progressive experience in Credit Underwriting, Credit Sanctioning, Credit Monitoring, Portfolio Risk Management, Credit Policy Governance, and Multi-State Credit Operations across NBFCs, Housing Finance Companies, and Mortgage Lending Institutions. Proven track record of managing Affordable Housing Loans (AHL), Loan Against Property (LAP), Mortgage Loans, MSME Loans, and Business Lending portfolios while balancing business growth and asset quality. Extensive experience in leading large credit teams, implementing risk frameworks, strengthening underwriting controls, managing portfolio performance, and driving strategic credit decisions. Successfully managed credit portfolios across multiple geographies with expertise in sanctioning, risk assessment, EWS monitoring, delinquency control, vendor governance, audit compliance, and portfolio surveillance.
Overview
16
16
years of professional experience
Work History
Regional Credit Operations Manager
Fusion Finance Ltd.
Gurugram
02.2025 - Current
- Lead Regional Credit Operations across 15 branches covering Delhi NCR and Western UP.
- Managed and mentored team of 21 branch credit managers and area credit managers, enhancing team capabilities and performance.
- Exercise sanctioning authority up to 15 Lakhs and deviation approvals up to 25 Lakhs.
- Conduct comprehensive credit underwriting and risk assessment for LAP proposals.
- Monitored portfolio quality through EWS tracking, delinquency analysis, and exception reporting to mitigate risks.
- Define exposure limits and structure credit facilities.
- Ensure implementation of credit policies and regulatory compliance.
- Monitor FTNR, TAT, disbursement quality, and underwriting standards.
- Designed and implemented debt recovery and collection strategies, improving recovery rates and minimizing losses.
- Manage collateral evaluation and security creation processes.
- Develop portfolio MIS and management dashboards.
- Conduct training and capability-building programs for credit teams.
- Key Achievement: Strengthened underwriting controls and improved portfolio surveillance across multiple branches while maintaining asset quality and business growth.
Cluster Credit Manager
Janasha Finance Pvt. Ltd.
08.2023 - 02.2025
Cluster Credit Manager
Homfinity Kreditkraft Pvt. Ltd.
02.2024 - 01.2025
- Managed Mortgage, LAP, and Home Loan underwriting operations.
- Credit sanctioning authority up to 10 Lakhs including L2 deviations.
- Coordinated approvals up to 30 Lakhs with senior management.
- Managed portfolio across Delhi NCR, Haryana, Rajasthan, and Uttar Pradesh.
- Improved turnaround time and reduced rejection and non-disbursal rates through process optimization.
- Led vendor empanelment and performance reviews for Legal, Technical, FI, and RCU agencies.
- Strengthened fraud prevention and delinquency control measures, enhancing overall portfolio security.
- Ensured timely security creation and PDD closure.
- Monitored non-starter and 180+ DPD cases.
- Managed co-lending relationships with partner NBFCs, fostering collaboration and driving mutual growth.
- Led hiring, training, and retention initiatives.
Cluster Credit Manager
Janasha Finance Pvt. Ltd.
10.2021 - 10.2022
- Managed MSME and Affordable Housing Loan underwriting.
- Credit sanctioning authority up to 5 Lakhs.
- Recommended loan cases totaling 25 Lakhs for approval, enhancing credit assessment process.
- Conducted detailed assessment using ITR, GST, Banking Analysis, and Financial Statements.
- Managed a team of 8 Credit Managers and 2 Credit Officers across 9 branches.
- Conducted portfolio reviews, implementing corrective actions to improve portfolio performance.
- Supervised the complete underwriting cycle from login to disbursement.
Centre Manager - Credit
Indiabulls Rural Finance Pvt. Ltd.
05.2019 - 09.2021
- Oversaw end-to-end underwriting process for LAP and home loans, ensuring adherence to risk guidelines.
- Performed in-depth financial and business viability analysis to support informed credit decisions.
- Executed client visits and credit due diligence to assess creditworthiness and mitigate risk.
- Managed credit deviation approvals.
- Evaluated cases across Salaried, SEP, and SENP customer segments.
- Handled securitized portfolio compliance requirements.
- Oversaw contracts with legal, technical, and valuation vendors.
- Credit PD authority up to 50 Lakhs.
- Recommended cases up to 50 Lakhs.
Cluster Credit Head
FINO Finance Pvt. Ltd.
09.2017 - 05.2019
- Advised on loan cases up to 25 Lakhs based on thorough analysis.
- Evaluated high-value cases through ITR, GST, and banking assessment.
- Underwrote LAP and housing loan cases, ensuring alignment with risk management standards.
- Authorized credit sanctions up to 5 Lakhs.
- Monitored portfolio quality and tracked delinquent accounts to mitigate credit risk.
- Oversaw vendor performance and ensured adherence to turnaround times, enhancing service delivery.
- Led a team of 5 Credit Managers and 2 Operations Officers.
Territory Credit Manager
Satin Creditcare Network Ltd.
10.2014 - 08.2017
- Oversaw underwriting for business loans and LAP across Delhi NCR, West UP, and Uttarakhand, ensuring compliance and risk mitigation.
- Evaluated and recommended loan cases up to 15 Lakhs.
- Monitored and mitigated credit, fraud, and delinquency risks, maintaining a healthy portfolio.
- Authorized credit sanctions totaling up to 5 Lakhs.
- Directed management information systems, analyzed approval ratios, and coordinated manpower planning to optimize credit operations.
- Led a team of 15+ employees across multiple locations.
Credit Officer - LAP
Karvy Financial Services Ltd.
07.2010 - 09.2014
- Facilitated personal discussions and prepared CAM to ensure thorough loan assessment.
- Performed financial analysis and policy compliance checks.
- Assessed CIBIL, CPV, TVR, Dedupe, and KYC reports.
- Approved cases for processing based on established guidelines.
- Coordinated efforts with Legal, Technical, FCU, and CPV agencies to streamline case processing.
- Ensured adherence to credit quality, compliance, and customer service standards to enhance client satisfaction.
Education
MBA - Marketing
MJPRU Bareilly University
Uttar Pradesh01-2010
Bachelor of Commerce -
DDU Gorakhpur University
Uttar Pradesh01-2008
Skills
- Credit underwriting
- Risk assessment
- Portfolio management
- Collection strategies
- Compliance monitoring
- Credit relationship management
Leadership Value
- 15+ Years Credit Leadership Experience
- Expertise in AHL, LAP, Mortgage & MSME Lending
- Strong Credit Sanctioning & Portfolio Monitoring Background
- Multi-State Credit Operations Management
- Proven Asset Quality & Risk Management Capability
- Large Team Leadership & Stakeholder Management Experience
- Credit Governance, Policy & Compliance Expertise
- Business Growth with Controlled Risk Approach
Key Result Areas
Evaluating and sanctioning credit proposals within delegated authority., Reviewing policy deviations and exception cases., Assessing financial statements, banking patterns, bureau reports, collateral value, and repayment capacity., Ensuring adherence to credit policies and regulatory requirements., Monitoring portfolio behavior through EWS, delinquency trends, and risk indicators., Reviewing post-disbursement performance and portfolio quality., Identifying potential stress accounts and implementing corrective actions., Driving portfolio hygiene through risk mitigation and governance controls., Maintaining asset quality through effective underwriting., Controlling NPAs, roll rates, and delinquency levels., Conducting portfolio reviews and recommending corrective measures., Balancing business growth with prudent risk management.
Executive Highlights
- 15+ Years in Credit Risk & Mortgage Lending
- Regional Credit Operations Leadership
- Credit Sanctioning & Approval Governance
- Affordable Housing Loan (AHL) Portfolio Management
- Loan Against Property (LAP) Credit Leadership
- MSME & Business Loan Underwriting
- Credit Monitoring & Portfolio Surveillance
- Credit Policy Formulation & Implementation
- Portfolio Quality & Delinquency Management
- Risk Mitigation & Fraud Control
- Multi-State Credit Management
- Team Leadership & Capability Building
- Vendor Governance & Process Excellence
- Audit, Compliance & Regulatory Management
Timeline
Regional Credit Operations Manager
Fusion Finance Ltd.
02.2025 - Current
Cluster Credit Manager
Homfinity Kreditkraft Pvt. Ltd.
02.2024 - 01.2025
Cluster Credit Manager
Janasha Finance Pvt. Ltd.
08.2023 - 02.2025
Cluster Credit Manager
Janasha Finance Pvt. Ltd.
10.2021 - 10.2022
Centre Manager - Credit
Indiabulls Rural Finance Pvt. Ltd.
05.2019 - 09.2021
Cluster Credit Head
FINO Finance Pvt. Ltd.
09.2017 - 05.2019
Territory Credit Manager
Satin Creditcare Network Ltd.
10.2014 - 08.2017
Credit Officer - LAP
Karvy Financial Services Ltd.
07.2010 - 09.2014
MBA - Marketing
MJPRU Bareilly University
Bachelor of Commerce -
DDU Gorakhpur University