Salil Subnis

Roles and Responsibilities:

• Coordinating protection of Material Non-Public Information (MNPI) by documenting incidents and managing insider access to prevent misuse and insider trading risks
• Generating and maintaining Form-6 (Securities Exchange Commission - SEC Registration Document), reloading to track available, issued, and utilized Depositary Receipts for each issuer.
• Maintaining and analyzing monthly Key Risk Indicator (KRI) reports, identifying trends, deviations, and performance indicators for the Depositary Receipts (DR) Business
• Compiling and analyzing reports related to the cannabis industry, covering financial performance, regulatory compliance, and market trends to support risk based decision making
• Playing a key role in the Audit Remediation Project for two years, certifying in-scope DR applications by working extensively with large datasets, quality rules, definitions, and pseudo-codes aligned with back-end requirements

Achievements:

• Proposed and implemented structured MNPI tracking enhancements, strengthening documentation, evidence management, and ownership of system updates. This initiative improved audit quality and outcomes by about 75%
• Drove a data-led restructuring of KRI thresholds after issuer receivables breached alert limits, assessing technical delays, low-risk legacy issuers, and receivables at ~1% of annual net profit within risk appetite; secured immediate approval, restored Green Zone status, and improved audit outcomes.
• Introduced a centralized KRI spreadsheet maintaining quarterly and annual historical metrics, enabling better and faster analysis of full-year performance and recent trend comparisons
• Automated F-6 reloading commentary processes by introducing Excel linked imports of issuer comments from prior month reports, significantly reducing follow-ups from Relationship Managers and improving process efficiency by about 60%

Roles and Responsibilities:

• Analyzing customer financials and bureau data to evaluate creditworthiness and driving credit decisions on eligibility, approvals, and capping limits as per policy
• Managing of end-to-end credit application lifecycle, from file login and credit appraisal through approval and loan disbursement
• Coordinating closely with Sales teams for seamless handover of cases to Credit, ensuring completeness and accuracy of documentation
• Delegating and monitoring document verification activities through the RCU team, tracking progress and following up to ensure timely completion
• Assigning and coordinating with third-party agencies for residential and office address verification of customers

Achievements:

• Recognized as a highly efficient Credit Manager, consistently processing 98%+ loan cases ahead of defined timelines
• Helped the Sales team better understand target customer profiles, reducing rejection rates and boosting overall business revenue by more than 5%
• Recognized for being highly collaborative for efficiently managing follow-ups with FCPG/RCU teams, third party agencies, and Sales to ensure timely disbursement closures
• Achieved promotion within 2.5 years, almost one year ahead of the average promotion cycle