Rajiv Giri
Mumbai
Summary
Automation Professional with over 8 years of experience in Business Rule Engine (BRE) management and Credit Process Automation including 3 years in the Secure/Unsecured lending industry. Skilled in implementing cost-effective technology solutions by effectively communicating project requirements to stakeholders, facilitators, and partners. Experienced in conducting training sessions and workshops to enhance user understanding and customer satisfaction.
Overview
11
11
years of professional experience
Work History
Sr Manager in the ‘Automation and Re-engineering’ Department
Piramal Capital Housing Finance Ltd
09.2023 - Current
- Leading the setup, configuration, and implementation of the Credit Risk Policy in BRE (Business Rule Engine) for Organic-5 and Non-Organic - 31 products, Organic: PL-SAL, UBL, UCL, Home Loan, Loan Against Property, Non-Organic: Co lending and Embedded Finance Product, Translating complex credit risk policies and business logic into executable rules in the Business rule engine platform.
- Developing and executing comprehensive test plans to ensure business rule engine configurations' performance, accuracy, and reliability while identifying and resolving defects.
- Monitoring rule engine performance, optimizing configurations, and addressing operational issues promptly to ensure smooth functioning.
- Ensuring compliance with regulatory requirements and internal policies by maintaining proper documentation and supporting audits related to rule engine operations.
- Collaborating with cross-functional teams for successful implementation and ongoing management of the rule engine, while effectively communicating updates and addressing stakeholder concerns.
- Managing Developers and UAT team who are working on BRE changes.
- Managing the Credit Process journey of Personal Loans to enhance the credit process and improve TAT.
- Maintain E2E activity related to co lending with different cross functional team.
- Managing Jira Board for BRE at the organisation level.
- Key Initiatives (My Ideas which got implemented)
- I. Enhancement in Policy Engine by migration from PE V1 to PE V2.
- II. Creating a single Vendor platform for FI, PD, and LIP services across all organic products UBL, UCL, HL, LAP PL.
- III. Creating STP Journey for Personal Loans.
- Led cross-functional teams to achieve project milestones and deliver high-quality results.
- Provided strong leadership to enhance team productivity and morale.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Reduced costs, optimized resource allocation, and improved efficiency in managing projects.
Credit Processing Specialist in the Merchant Lending (Unsecured Loan) Department
Resilient Innovations Private Limited (BharatPe)
01.2023 - 09.2023
- Coordinate with relevant stakeholders including Credit/Risk, Business, and Technology teams.
- Prepare Business Requirement Documents (BRD) and Functional Specification Documents (FSD) for new requirements.
- Test new rules implemented in the Loan Origination System (LOS) and Loan Management System (LMS).
- Developed new policies for income programs using GST details to increase customer creditability and loan amounts.
- Implement adhoc changes in the existing policy to improve the portfolio.
- Handle production deliveries and resolve online issue escalations in the production environment.
Business Analyst (Grade-AVP) in Home Loan Department
IndusInd Bank
08.2022 - 12.2022
- Conduct UAT testing for CAM automation using Perfios in the Loan Origination System (LOS).
- Design end-to-end LOS processes from case login to disbursement, including rule engine implementation for soft sanction, sanction conditions, deviations, approval levels, workflows, and checklists.
- Assist vendors in understanding system user interface and case workflow in the LOS.
- Analyze credit data and financial statements to assess the risk involved in extending credit.
- Determine the approval or denial of client applications based on liquidity, profitability, and credit histories.
Business Analyst (Grade-M II)
PNB Housing Finance Ltd
12.2021 - 08.2022
- Perform UAT testing for Uconnect Vendor applications and CAM automation projects.
- Conduct UAT testing for co-lending models with Yes Bank and SBI.
- Prepare comprehensive requirement gathering documents, including Business Requirement Documents (BRD), and obtain sign-off from stakeholders.
- Resolve production issues through root cause analysis.
- Assist vendors in understanding the credit policy and convert it into a coded form for implementing in the LOS.
- Perform UAT testing for the implementation of decision logic in the LOS based on existing policies for Home Loan, Loan against Property (LAP), and Non-residential premise loan products.
- Manage a team of 5 members during projects.
- Coordinate with internal (PNB IT) and external (Azentio Software / Celusion Technologies IT Vendor) teams.
- Perform testing on implemented decision logic for Straight Pass Through (STP) flow journey for salaried customers to reduce sanction Turnaround Time (TAT).
- Create user manuals to facilitate user understanding of new LOS functionalities.
Credit Analyst
STFT finance private ltd
01.2020 - 12.2021
- Manage company risk by assessing applications to determine creditworthiness of customers.
- Listen to customer requests and specifications, providing appropriate suggestions to fulfill their needs.
- Deliver exceptional customer service to build strong relationships and positive experiences.
- Identify risk factors and analyze credit histories and financial statements.
- Comply with corporate regulations, policies, and procedures to maximize safety, security, and trust.
Sr Credit Associate
PNB Housing Finance Limited
05.2017 - 01.2020
- Resolve production issues through root cause analysis, ensuring smooth operations.
- Prepare comprehensive requirement gathering documents, including Business Requirement Documents (BRD), and obtain sign-off from stakeholders.
- Lead the implementation of the Digital Transformation Initiative Project on the Loan Origination System (LOS), driving process efficiency and enhancing customer experience.
- Conduct User Acceptance Testing (UAT) for API integration of digital initiative services into the LOS.
- Perform UAT testing for the Unnati Program and Scorecard within the LOS.
- Manage vendor relationships to ensure project milestones and deliverables are met.
Credit Associate
ICICI Bank
01.2015 - 04.2017
- Analyze financial statements and perform ratio analysis.
- Prepare Credit Appraisal Memo (CAM).
- Manage sanction and disbursal-related reports.
- Conduct customer due diligence and resolve discrepancies with sales.
- Coordinate with sales to solve discrepancies.
- Disburse LAP and HL files.
- Perform RTR and CIBIL checks.
Education
MBA - Finance & IT – Distance Education
Swami Vivekanand Subharti University
B.Tech - Electronics And Communication Engineering (ECE)
PIET (UPTU)
08-2014
12th - CBSE Board
10th - CBSE Board
Skills
- Business Analysis Credit Analysis Loan Origination SystemsProject Operations Vendor Management Policy Manager
- Troubleshooting and problem resolution
- Time management
- Multitasking
- Problem-solving
- Process improvement
- Team leadership
- Teamwork and collaboration
- Cross-functional team leadership
- Cross-functional communication
- Business performance management
Work Type
Full TimeWork Location
On-SiteHybridRemoteImportant To Me
Work-life balancePersonal development programsCompany CultureTimeline
Sr Manager in the ‘Automation and Re-engineering’ Department
Piramal Capital Housing Finance Ltd
09.2023 - Current
Credit Processing Specialist in the Merchant Lending (Unsecured Loan) Department
Resilient Innovations Private Limited (BharatPe)
01.2023 - 09.2023
Business Analyst (Grade-AVP) in Home Loan Department
IndusInd Bank
08.2022 - 12.2022
Business Analyst (Grade-M II)
PNB Housing Finance Ltd
12.2021 - 08.2022
Credit Analyst
STFT finance private ltd
01.2020 - 12.2021
Sr Credit Associate
PNB Housing Finance Limited
05.2017 - 01.2020
Credit Associate
ICICI Bank
01.2015 - 04.2017
12th - CBSE Board
10th - CBSE Board
MBA - Finance & IT – Distance Education
Swami Vivekanand Subharti University
B.Tech - Electronics And Communication Engineering (ECE)
PIET (UPTU)
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