Saket Anand
Bangalore
Summary
Dynamic leader with a proven track record at KreditBee, driving MSME business growth to 212 Cr AUM. Expert in risk management and data analytics, successfully scaling teams and operations. Adept at formulating business strategies that enhance credit and collections, while fostering a results-driven culture.
Overview
22
22
years of professional experience
Work History
Business Head. (MSME Vertical, X-sell initiatives)
KreditBee
02.2024 - Current
- Set up MSME business from scratch; Scaled the business from 27 Cr per month run rate in 9 months and 212 Cr AUM
- All aspects of product, sales, credit, collections, operations and risk management; Managed a team of 70 people across: Sales, Credit, Operations and Collections; Spread Business to ~10 major locations
- Set up hard collections and soft collections for MSME vertical
- Set up data analytics, product for running X-Sell initiatives; Built a core team of strong analytics and product professionals
VP (CRO), Head of Risk, Data science, Business Analytics
Cars24
03.2023 - 02.2024
- Hired and managed a team of 50 data scientist and Analytics team
- All aspects of credit, collections and acquisition scorecards and policies; RCU and credit policies
Co-Founder
Roots Finserv
01.2022 - 03.2023
- Risk consulting practice in retail lending across multiple geographies: UK, India, Madagascar, Tanzania
- Drove investor relationship secured a term sheet of $4mn for the business and got marquee investors to commit investments in the venture; Established relationships with leading NBFCs and banks treasury
- Created marketplace for Asset backed securities(ABS); built state of the art simulation engine for ABS stress testing
Associate Partner, Head of Digital Micro SME Lending
Protium Finance
04.2020 - 12.2021
- Lead 0 to 1 journey for MSME BL; hired ~50 people across Sales/Partnership, credit, operations and collections; Scaled the business from 0 to INR 120Mn of monthly disbursal
- Member of core risk committee managing micro LAP, small ticket business loan and large ticket SME loans
Chief Analytics Officer/Risk head
LendingKart Financial Limited
10.2018 - 03.2020
- Company Overview: (MSME Lending Fintech)
- Hired and managed a team of 30 Data scientist and analytics team
- Scaled up distribution from 100 Cr to 250 Cr on back of quant models while maintaining credit cost at 4.5% per annum
- All aspects of credit, collections and acquisition scorecards; Model management and model validation; Model hosting
- Data Integration and warehousing and master data management across the organization
- (MSME Lending Fintech)
Executive Vice President/ Chief Digital officer, Product & analytics
Manappuram Finance Limited
07.2017 - 10.2018
- Developed platform for Online sourcing and digital underwriting
- Implemented Adhaar KYC via biometric and OTP mode across the organization; Ran IT audit and compliance audits for the same
- Led paperless digital initiative across various functions
Various roles in Ecommerce, Fixed Income and Software
06.2003 - 04.2017
- Director/Head of Analytics and data science of a Real Estate Ecommerce Platform with GMV of 3Bn and PBT of $200 Mn
- Headed Seller Analytics for Ebay, Part of Fixed Income Quant group at Fidelity Investments
Education
MBA - Finance
Indian School of Business
Hyderabad04-2010
B.Tech - Mechanical Engineering
Indian Institute of Technology
Bombay06-2003
Skills
- Retail lending, fintech and fixed income
- Business strategy
- Risk management and fintech
- Risk management
- Data science and analytics
- Credit and collections
- Operations management
Timeline
Business Head. (MSME Vertical, X-sell initiatives)
KreditBee
02.2024 - Current
VP (CRO), Head of Risk, Data science, Business Analytics
Cars24
03.2023 - 02.2024
Co-Founder
Roots Finserv
01.2022 - 03.2023
Associate Partner, Head of Digital Micro SME Lending
Protium Finance
04.2020 - 12.2021
Chief Analytics Officer/Risk head
LendingKart Financial Limited
10.2018 - 03.2020
Executive Vice President/ Chief Digital officer, Product & analytics
Manappuram Finance Limited
07.2017 - 10.2018
Various roles in Ecommerce, Fixed Income and Software
06.2003 - 04.2017
MBA - Finance
Indian School of Business
B.Tech - Mechanical Engineering
Indian Institute of Technology
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