Sriram Inani

• Developed credit and product policy specific to Solar Loans for MSMEs
• Created Credit Model specific to Solar loan specific Model
• Till date created portfolio of over 60 Working quality solar plants
• Implemented risk mitigation strategies for efficient portfolio management
• Built budgets and long-term plans for fundraising and debt raising.
• Established strategic partnerships for Solar Lending with Bank of Baroda and DBS
• Implemented Full Stack Solution for Solar Ecosystem including Financing
• Implemented EWS Mechanism for monitoring of portfolio

• Instrumental in creating credit screens, rules engines, and algorithms for swift lending processes for Daily/Weekly repayment based Loan Product
• Implemented automated underwriting system for making quick decisions.
• Able to approve cases within 2 hours of login
• Contributed to risk mitigation strategies to mitigate Risk on portfolio
• Strengthened fraud control guidelines and governance practices
• Created Analytics dashboard for managing Risk
• Created Long Term Plans for various Business units of organisation

• Built retail-lending portfolio based on POS-based lending.
• Contributed to development of internal LOS & LMS systems ensuring case approval within 24 hours of login.
• Engineered business expansion into metros and tier-I cities.
• Developed internal risk score logic for improved portfolio performance predictability.

• Managed SME business, including unsecured loans, LAP, and EDI Loans.
• Implemented strategies to increase credit productivity through technological intervention.
• Helped expand business in Mumbai, Pune and Bhopal
• Implemented strategies to create quality portfolio

• Lead team of 3 Regional Credit managers, 3 Area Credit Managers, 11 Credit Managers and 20 Credit Executives
• Underwriting for Mortgages Business - Residential and Commercial, Construction Finance
• PDD, Delinquency management at portfolio level

• Led a team of 5 Credit Managers and 9 Credit Executives
• Instrumental in developing and implementing Credit Processes and policies for Mumbai Region as this was the first region to start Mortgage business for EHFL.
• Empanelling various agencies like FI, FCU, Legal, technical etc.
• Underwriting for Mortgages Business - Residential and Commercial
• PDD, Delinquency tracking at portfolio level

Product Manager

• Analysis relating to profitability, delinquency, viability of all mortgage products (Home Loan and Loan against Property) for various strategic decisions to be taken by the senior management.
• New Product Development - Money Saver Home Loans,
• Market Intelligence about the Mortgage Industry
• Manpower planning
• Built a Scorecard for managing the Sales Team
• Creating Contests for increasing business

Regional Credit Manager – Home Loans

• Management of Credit process of Home Loans at Regional level with a team of 8 Credit Managers
• Implemented the various credit procedures by continuously imparting knowledge & nurturing talent of team members.
• Actively involved in analyzing risk & policy parameters in presentation of high value mortgage proposals
• Monitoring Cost Productivity Structure for Area & Analysis of Yield on the Portfolio so as generate maximum profit by optimum utilization of resources.
• Conducting Delinquency Analysis and Co-Ordination with Collection Head for Recovery of Delinquent Loans
• Upper hand in implementation of process shop which is a major functional change in working structure of Home Loan process of the Bank.
• Worked in association with Credit Operations team where, have shared the responsibilities like collecting Post Disbursement Documents, follow up for partly disbursed cases exceeding the normal time etc.
• Managing to maintain and provide on demand, the Regional level MIS for credit proposals in the system, their status in process, fees collected, and details of insurance premium collected (Cross Sale). Etc.
• Involved in different cross sale activities such as Insurance policies.

Finalized statutory and tax audits for leading corporate clients like Skoda India, Blowplast, Bilag Industries

• Independently handled audits for leading companies, ensuring compliance and finalization of audits of Birla Group, GP Goenka Group and other cooperates.
• Partnered with auditors to track errors and add contributions to maintain accuracy.
• Conducted technical and analytical reviews of tax returns to check for accuracy and qualified deductions.
• Collected and reported monthly expense variances and explanations.