Sanjive Kumar Gupta

· Competent Chartered Accountant, offering 20+years of experience in Credit Risk Management, Credit Underwriting, Portfolio Management, Business Relationship and Process Excellence with a strong exposure in Credit Risk Management.

· Gained rich experience of Retail Credit underwriting domain of Banking covering various products ranging from Auto Loans (New & Used), Business Loans, Home Loans, Commercial Vehicle Loans, Personal Loans and Two Wheelers Loans.

· Established consistent & appropriate business practices, enhanced controls for credit risks, instituted teamwork throughout the entity and acted as internal risk consultant for business of the company

· Building strategies for setting up new business, back-end process, credit underwriting policies, centralized credit underwriting team for standardization of credit decisioning and Cost Control Measures.

· Building and standardize models for automated credit decisions & designing end-to-end customer journeys.

· Worked on several automated credit tools like Multi Bureau, Electronic Document Verification, CKYC Solution, Auto Decision, Biometric based eKYC.

· Development of products & credit policies across various loan Products.

· Writing the Standard Operating Procedures for the customer cycle.

· Working on secondary markets of the assets to define the residual value of different asset category including cars, TW / trucks &equipment’s.

· Handling various audits like Concurrent, Product, Internal and RBI Audit.

· Team-based management style coupled with the zeal to drive visions into reality.

· Building the Credit Underwriting / soft Collections / back-end support team for the business processes.

· Defining the business strategy monthly / quarterly / yearly.

· Designing end to end process for the business. 

· Setting up the entire team from scratch, coordinating with different department and institution for smooth operation of the company. 

· Defining the business strategy & execution plan for the credit Underwriting and operation of the Company. 

· Managing all the vendors for the Company with respect to compliance, credit underwriting and operation of the Company. 

· Writing down the Policies / SOP in line with RBI compliance / Coordinating with consultants to ensure compliance with other statutory Bodies like Reserve Bank of India, Registrar of Companies and other Institutions. 

· Working with the Fraud Control team to define the Standard Operating procedures for Fraud checks & the tools to be used to minimize frauds. 

· Part of Business core team of the Lending, engaged in all the activities in giving shape & form a strong healthy portfolio and defining the remarketing strategy for Lending Business. 

· Working on the secondary market for the assets to define the residual values for different assets and building the hind sighting quality process and procedure for the business.

· Working with the legal teams in defining & finalizing various loan and lease agreements & other documents like applications forms / sanction letters. 

· Relationship management with Channel Partners.

· Monitored & optimized risk management & balance portfolio growth.

· Responsible for process implementation with various internal control checks. This includes setting up new process for credit processing from basic data entry to loan disbursal with maximum business volume & high accuracy rate.

· Responsible for maintaining and controlling Financial Sanction TAT of Six working hours in Auto and Personal Loans, two days’ end to end TAT for unsecured business loan and three to five days in Mortgages as defined by the Organization. It includes monitoring and controlling the whole underwriting process, coordinating with agencies for early submission of reports and fast Credit decision as per Company laid down policy & process. 

· Ensuring smooth functioning of all dealer operations &audits functions. 

· Undertook a complete financial analysis, due diligence checks on financial, business strength, viability study for customers, for sanctioning / recommending a loan for the customer. 

· Analyzed data for the management and provided conclusions enabling management for further actions. 

· Planned market visits to understand the local market scenario / competition and formulated local policies & process. 

· Identified gaps & opportunities to enhance business volumes with improved sourcing quality. 

· Built internal controls for improved process & better quality.

· Followed up & resolved delinquent cases - an (basically for the first 3 months which were termed as potential nonstarters). 

· Organized trainings for Credit Processing Agency, FI Agencies, Dealer Team, DSAs and Sales Team. 

· Coordinating with Valuators and appointed new valuators for both property & vehicles as per the business requirement. 

• Leadership & Teamwork
• People Management
• Stress Management
• Decision making skills
• Coaching and training stake holders
• Delegating & managing tasks effectively
• Flexibility and Adaptability
• Solution oriented approach
• Good at Identifying and developing skills of team members
• Strong communication and interpersonal skills