Summary
Overview
Work History
Education
Timeline
Generic
Shrinivas A Kulkarni

Shrinivas A Kulkarni

National Credit Manager
Bhandup W

Summary

20 years of experience in mortgage credit industry consisting of Home Loans and LAP with specialization in assessment of prime HL/LAP with ticket size ranging from Rs. 1 Cr to Rs.25 Cr.

2 years of experience in working capital credit handling CC, TLs, BG, LC, Bill discounting and other working capital products.

Overview

26
26
years of professional experience
6004
6004
years of post-secondary education

Work History

National Credit Manager – MSME (RBG and BBG)

Axis Finance Limited
08.2021 - Current
  • Responsible for all activities for setting up of operations like recruitments, vendor empanelment, process, policy, systems, process notes, SOPs, etc
  • Underwriting for secured loan proposals ranging from Rs.1 Cr to Rs.25 Cr on PAN India basis
  • Portfolio monitoring on regular basis
  • Handling all types of audits
  • System implementation
  • Built a very strong credit book with lowest delinquency, attrition and introduced score cards for assessment of specific key segments.

Sr. Vice President – Credit

Suryoday Small Finance Bank Ltd.
08.2019 - 07.2021
  • Job included underwriting retail asset loan products like Loan against property and affordable home loans
  • Assessment of Financial Intermediary Group loan proposals ranging from Rs.2 Cr to Rs.25 Cr and monthly monitoring thereof
  • Portfolio monitoring on regular basis
  • Preparation of process notes
  • Attending internal and external auditors

National Portfolio Head for ML / SME products

Dewan Housing Finance Limited
04.2018 - 08.2019
  • Formation of credit policy for Mortgage Loans / SME
  • Products included LAP, LCP, Lease rental discounting, Machinery / equipment loan and Business loans
  • Ticket size varied from Rs.10 lakhs to Rs.10 Cr
  • Monitoring of portfolio on regular basis
  • Total portfolio size was Rs.17K Cr with team of 5 employees
  • Portfolio securitization and vendor management
  • Attending various internal, external auditors and investors

Deputy Vice President – Risk Analysis

HDFC Bank Ltd.
04.2008 - 04.2018
  • Was working as risk underwriter for large ticket mortgage proposals, on PAN India basis and reporting to functional head
  • Products included LAP, DOD, Lease rental discounting and LCP
  • Training the line credit team with regards to the requirements of credit appraisal
  • Putting up the proposals for approval to Group Head and CRO
  • Had independent sanctioning powers of Rs.25 Cr on absolute basis
  • Over a period of 8 years had built a highly profitable and healthy asset book for the bank
  • Was handling portfolio of approximately Rs.5,000 Cr with lowest delinquency numbers across industry and across products
  • Responsible for setting up a process for CALL MEMO’s for mortgage loans which is first in the industry.

Chief Manager – Risk

Kotak Mahindra Bank
03.2004 - 08.2007
  • Responsible for all processes which occurs right from login to disbursement of the credit proposal
  • Risk analysis for financing of Retail Mortgage proposals
  • Maintaining TAT, PDD and delinquency
  • Achieved lowest delinquency figures at branch level, on a PAN India basis

Management Trainee

The North Kanara G.S.B. Co-Op. Bank Ltd.
03.2003 - 03.2004
  • Was engaged in processing of Fixed deposit, loan proposal and submission of monthly reports to management

Article Clerk

Joshi & Karandikar (Chartered Accountant)
06.1999 - 06.2002
  • Handled statutory & tax audits of Pvt Ltd. Co.’s, Partnership firms, Proprietary concerns, Co-op Credit Soc., Co-op Hsg Soc, Trust and also have done concurrent and internal audit of co-op and nationalized Banks
  • Independently handled Taxation matters of Pvt Ltd Co’s, Partnership firms & individuals
  • Prepared project report for hospitals, construction business etc

Education

Bachelor of Commerce -

Mumbai University
06-1999

C.A. Inter -

ICAI
11-2000

CA - Accounting And Finance

ICAI
11-2002

Timeline

National Credit Manager – MSME (RBG and BBG)

Axis Finance Limited
08.2021 - Current

Sr. Vice President – Credit

Suryoday Small Finance Bank Ltd.
08.2019 - 07.2021

National Portfolio Head for ML / SME products

Dewan Housing Finance Limited
04.2018 - 08.2019

Deputy Vice President – Risk Analysis

HDFC Bank Ltd.
04.2008 - 04.2018

Chief Manager – Risk

Kotak Mahindra Bank
03.2004 - 08.2007

Management Trainee

The North Kanara G.S.B. Co-Op. Bank Ltd.
03.2003 - 03.2004

Article Clerk

Joshi & Karandikar (Chartered Accountant)
06.1999 - 06.2002

Bachelor of Commerce -

Mumbai University

C.A. Inter -

ICAI

CA - Accounting And Finance

ICAI

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Shrinivas A KulkarniNational Credit Manager