Summary
Overview
Work History
Education
Skills
Timeline
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Subbaraya Nandha Kumar

Subbaraya Nandha Kumar

Chennai

Summary

Highly experienced Senior Project Manager with 17+ years of proven expertise in digital transformation, program management, and operational excellence within the banking and NBFC sectors. Deep product knowledge across Business Loans, Loan Against Property (LAP), Home Loans, Personal Loans, Consumer Loans, and Credit Cards. Specializes in driving large-scale digital initiatives and implementing regulatory-compliant platforms for loan origination, collections, and risk management. Demonstrated success in improving key business metrics—achieving 80% TAT reduction

Overview

18
18
years of professional experience

Work History

Assistant Vice President – Digital Transformation

Muthoot Fincorp Ltd
05.2024 - Current
  • Orchestrated the reduction of Business Loan onboarding TAT from 3 days to a remarkable 5 hours (80% reduction) through robust digital initiatives.
  • Spearheaded the launch of a field collections app with allocation automation and GPS tracking, boosting collection efficiency by 10% within two months and enhancing control.
  • Architecting a comprehensive Digital LOS for Loan Against Property, incorporating complex 3rd-party API integrations while ensuring data security and compliance.
  • Deployed a CRM with role-based dashboards, significantly enhancing visibility and control for the sales hierarchy across the organization.

Senior Manager – Digital Lending

TVS Credit Services
04.2021 - 05.2024
  • Pioneered the development of two zero-human-touch loan applications, enabling rapid 30-minute digital disbursals while adhering to stringent process controls.
  • Streamlined the consumer loan application process by reducing fields from 35 to 13, cutting journey time by 50% and improving data capture efficiency.
  • Implemented Straight Through Disbursal (STD) achieving near 100% automation, significantly accelerating disbursal from 30 minutes to near real-time, improving operational throughput.
  • Enabled ₹45L/year in operational savings by integrating front-end decisioning for early eligibility filters, optimizing resource allocation.

Senior Business Analyst

Jocata (A BillDesk Group Company)
07.2019 - 04.2021
  • Led the development of a robust Business Rules Engine (BRE) widely adopted by leading banks and NBFCs for critical digital lending decisions, ensuring accuracy and compliance.
  • Successfully implemented RBI-compliant personal loan and credit card onboarding journeys for IndusInd Bank, demonstrating expertise in regulatory adherence.
  • Designed comprehensive Loan Origination Systems (LOS) and fraud prevention tools, ensuring 100% RBI and internal compliance throughout the product lifecycle.

Previous Work Experience

.
08.2007 - 09.2017
  • Business Analyst | Sep 2017 – Jul 2019 | Wipro Ltd
  • Operations Manager | Jan 2015 – Sep 2017 | WNS Global Services
  • Risk Control Officer | Apr 2014 – Jan 2015 | ICICI Bank
  • Credit Underwriter & FCU Analyst | Aug 2007 – Mar 2014 | HDFC Bank

Education

MBA - Finance & Marketing

SRM University
Chennai

Skills

  • Digital Lending Platforms (LOS)
  • API Architecture & Integrations
  • Business Rules Engine (BRE) Design
  • Digital Onboarding & Collections Automation
  • Credit Risk & Regulatory Compliance
  • Agile Program & Project Management
  • Solution Architecture
  • Stakeholder & Cross-Functional Leadership

Timeline

Assistant Vice President – Digital Transformation

Muthoot Fincorp Ltd
05.2024 - Current

Senior Manager – Digital Lending

TVS Credit Services
04.2021 - 05.2024

Senior Business Analyst

Jocata (A BillDesk Group Company)
07.2019 - 04.2021

Previous Work Experience

.
08.2007 - 09.2017

MBA - Finance & Marketing

SRM University

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Subbaraya Nandha Kumar