Ramesh Mundra
Mumbai
Summary
A chartered Accountant with 22+ years of experience in Mortgage Credit Underwriting & Credit Policy/Retail, Digital Secured loans, Secured loan process automation, Structured and Strategic Underwriting/Credit and Risk Policy Management, collection/recovery management, Collateral valuation management & overall risk management of portfolio.
Overview
21
21
years of professional experience
Work History
Head Credit and Risk Policy
HDB Financial Serviced Ltd
Mumbai
05.2025 - Current
- Head Secured Risk for Secured business/loan against Property for Micro Lap loans and Prime LAP loans.
- Setting up entire unit from scratch for Credit Policy/Process and business management.
- Setting and hiring team of Credit/Policy/Legal and Valuations.
- End to End process automation for secured loans.
- Conceptualization and developing digital loan process with business partners.
Head Secured Risk
Kisetsu Saison India Finance Ltd
Mumbai
02.2024 - 04.2025
- Company Overview: Credit Saison India-A Japanese Financial Conglomerate/Venturing into Indian financial Services
- Head Secured Risk for Secured business/loan against Property for Micro Lap loans and Prime LAP loans.
- Setting up entire unit from scratch for Credit Policy/Process and business management.
- Setting and hiring team of Credit/Policy/Legal and Valuations.
- End to End process automation for secured loans.
- Conceptualization and developing digital loan process with business partners.
Head Credit and Risk Policy
HDB Financial Serviced Ltd
Mumbai
12.2008 - 02.2024
- Head Credit for Channel Business and Credit Risk Policy-LAP (Loan Against Property) and EBL(Enterprise Business loan-Low Ticket Mortgage loan)(2014-2024)
- Zonal Credit Manager (2011-2014)
- Area Credit Manager(2008-2011)
Area Credit Manager
Yes Bank Ltd
01.2007 - 01.2008
Branch Credit Manager
ICICI Bank Ltd
01.2005 - 01.2007
Education
Chartered Accountant - Finance And Accounts
ICAI
Mumbai01-2002
Skills
- Mortgage Credit Risk & Underwriting
- Secured Digital loans
- Secured Loan Process Automation
- LAP Micro loan and Prime loans
- Collateral Valuation and Legal Management
- Mortgage Credit and Risk Policy
- Retail, Structured and Strategic Credit underwriting
- Credit Risk Analytics and Portfolio management
- Collection/Legal and Recoveries
- Process automation
- Credit analysis and Risk assessment
- Digital loans
Summary of Work Experience
- Credit Compliance, Credit Process and Risk Management
- Credit Policy, Process control and automation.
- Designing score card to risk rank customer, collateral for simplified underwriting process with better risk management.
- Designing Digital mortgage Underwriting Process with advance credit tools
- Managing Mortgage Credit Risk Policy function.
- Retail, Structured and Strategic credit underwriting for loan ticket size of Rs.10 lacks to Rs.25 Cr.
- EWS Model development to track portfolio and period action.
- Regular review of policy deviation analysis, their performance with correlation to all other variable and further action.
- Regular review of early booking NPA and Non-starter accounts and discussion with regional credit team for trends and learnings.
- Regular review of Early mortality and corrective action
- Portfolio analysis, Credit/legal deviation analysis and report.
- Regular review of revaluation of NPA/W-off accounts for trends analysis, learnings and action. Periodic re-legal of NPA A/c to establish continuation of charge on collateral.
Timeline
Head Credit and Risk Policy
HDB Financial Serviced Ltd
05.2025 - Current
Head Secured Risk
Kisetsu Saison India Finance Ltd
02.2024 - 04.2025
Head Credit and Risk Policy
HDB Financial Serviced Ltd
12.2008 - 02.2024
Area Credit Manager
Yes Bank Ltd
01.2007 - 01.2008
Branch Credit Manager
ICICI Bank Ltd
01.2005 - 01.2007
Chartered Accountant - Finance And Accounts
ICAI
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