ROSHAN YADAV
Credit Manager- Digital Personal Loan
Mumbai,MH
Summary
Seasoned Credit Professional with 8+ years of experience across NBFC and Fintech lending, specializing in Unsecured Personal Loans (PL). Proven expertise in building and managing full-stack credit functions encompassing underwriting, FLDG model implementation, and CIBIL-based loan frameworks. Demonstrated success in leading high-performing teams, maintaining superior portfolio quality, and ensuring end-to-end regulatory compliance. Collaborated closely with Co-Founders to drive strategic alignment between credit policy, operations, and business growth.
Overview
8
8
years of professional experience
3
3
Certifications
Work History
Credit Manager- Digital Personal Loan
1&Dwitiya Technologies Private Limited
08.2024 - Current
- Spearheading the Credit Team and driving end-to-end credit operations and risk management for the Digital Personal Loan vertical under the FLDG Partnership model
- Working closely with the Co-Founder’s Office to define and execute credit strategy, ensuring alignment with business growth and risk appetite
- Designed and implemented credit policy frameworks, underwriting models, and approval matrices for digital lending.
- Leading FLDG partnership execution with NBFC partners, managing exposure, performance tracking, and compliance.
- Overseeing credit lifecycle automation -from onboarding to disbursement and post-loan monitoring - improving turnaround time and portfolio quality
- Managing a team of credit associate and operations executives, ensuring process adherence and continuous performance improvement
- Maintaining regulatory compliance and audit readiness, ensuring strict adherence to RBI, KYC, and AML guidelines.
Credit Manager- Retail Assets
SMFG (AKA - Fullerton Credit India ltd.)
09.2023 - 08.2024
- Appraised and underwrote personal loan applications for the West Region (PAN India) with a ticket size up to ₹30 Lakhs and credit approval authority up to ₹5 Lakhs.
- Assessed creditworthiness by analyzing financials, pay slips, bank statements, and bureau reports (CIBIL) in line with internal risk policies.
- Verified applicant data and proposed repayment structures based on income, credit behavior, and banking trends.
- Collaborated with the Fraud Control Unit (FCU) to detect and mitigate fraud risks, contributing to improved credit quality and reduced delinquencies.
- Provided support to the collections team by sharing underwriting insights to boost recovery efficiency
- Completed training on Self-Employed Non-Professional (SENP) credit policies and documentation procedures.
Assistant Manager- Credit
Paysense Services india pvt ltd (PayU india)
08.2019 - 09.2023
- Led and mentored a 15-member credit operations team, enhancing productivity and policy adherence through structured performance reviews and ongoing training initiatives
- Achieved monthly credit disbursals between ₹100 Cr to ₹500 Cr in retail lending, ensuring compliance with internal risk frameworks and regulatory guidelines.
- Implemented standardized document verification processes, reducing rejection rates by 25% and improving overall application quality.
- Reviewed CIBIL and Experian reports to identify and mitigate high-risk borrower profiles, enabling early fraud detection and reducing default risk.
- Collaborated with cross-functional teams (sales, product, and tech) to streamline digital lending workflows and resolve operational bottlenecks, while generating actionable MIS and TAT reports for senior leadership.
Credit Underwriter- Personal Loan
OnEmi Technologies Private Limited (Kissht Finance)
12.2017 - 08.2019
- Processed an average of 50 loan applications daily, maintaining a 95% same-day underwriting TAT to meet operational SLAs.
- Conducted thorough KYC verification, reducing fraudulent applications by 20% through strict documentation checks.
- Analyzed credit bureau reports (CIBIL) to identify high-risk profiles and flagged applications for enhanced due diligence, improving overall portfolio quality.
- Connected with customers via phone to assist with document collection and resolve discrepancies, accelerating processing timelines.
Wealth Operations Executive
Black Swan Wealth Managers LLP
04.2017 - 11.2017
- Verified and securely stored client documents (KYC, investment agreements), ensuring zero audit discrepancies.
- Maintained and updated client portfolios and transaction records in systems with 100% data accuracy.
- Coordinated with custodians, banks, and brokers for timely trade settlements, resolving discrepancies within 24 hours.
- Ensured compliance with internal data privacy and regulatory standards for client information handling.
Customer Service Associate (Mortgage Process)
First Source Solutions Private Limited
04.2016 - 03.2017
- Validated borrower documents against Mortgage application data to ensure accuracy and policy compliance.
- Reviewed and categorized an average of 20 cases per day, maintaining high levels of accuracy and efficiency.
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Demonstrated strong written and verbal communication skills in internal coordination and customer support.
- Displayed effective team collaboration and leadership, contributing to smooth workflow and team motivation.
Education
Bachelor of Commerce- Finance - Finance
Mumbai University
Mumbai, India 04.2001 -
Skills
Technical Skills: Microsoft Office, Excel, Credit Risk Assessment, Power Bi, Digital Lending, SQL, Tableu, PowerPoint
Certification
06/2024 Learning Data Analytics Foundation-1
AWARDS
Payu India Pvt Limited, Awarded Star Performer of the Month by PayU Finance Pvt Ltd for Zero Error.
Awarded the On Spot Award by PayU Finance Pvt. Ltd. for achieving the target within the given timeframe with minimal errors.
Received several appreciation emails from the Manager of PayU Finance Pvt Ltd for the research and development conducted on solutions to decrease errors.
Awarded the Spot Reward by PayU Finance Pvt Ltd for being the best team performer.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Manager- Digital Personal Loan
1&Dwitiya Technologies Private Limited
08.2024 - Current
Credit Manager- Retail Assets
SMFG (AKA - Fullerton Credit India ltd.)
09.2023 - 08.2024
Assistant Manager- Credit
Paysense Services india pvt ltd (PayU india)
08.2019 - 09.2023
Credit Underwriter- Personal Loan
OnEmi Technologies Private Limited (Kissht Finance)
12.2017 - 08.2019
Wealth Operations Executive
Black Swan Wealth Managers LLP
04.2017 - 11.2017
Customer Service Associate (Mortgage Process)
First Source Solutions Private Limited
04.2016 - 03.2017
Bachelor of Commerce- Finance - Finance
Mumbai University
04.2001 -
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