Varun Gogna
Credit Risk and analatics
Greater Noida West
Summary
Seeking a challenging and rewarding post in a prestigious organization where I can contribute my knowledge and skills for growth and development of the organization & myself. Strive for excellence through continuous learning and consistently add value to the profession and to the organization To work hard and enhance my skills for meeting the challenges of the dynamic environment.
Overview
12
12
years of professional experience
3
3
Languages
Work History
Sr.Manager (Risk Analytics)
Kesitsu Saison Finance India Pvt Ltd
04.2023 - Current
- Manage a team that handle the full lifecycle of the Credit Guarantee Scheme in partnership with Small Industries Development Bank of India (Sidbi) & Credit Guarantee Fund for Micro Units (CGFMU)
- Manage a team overseeing Co-Lending operations with partner banks, focused on maximizing transaction volume to support business expansion
- Ensure smooth process execution by coordinating with co-lending partners and managing third-party technology solutions integral to CLM operations.
- Manage a team of internal auditors, providing guidance, training, and mentorship to ensure high-quality audit engagements and professional development opportunities.
- Develop and execute a risk-based internal audit plan aligned with the organisation's strategic objectives, regulatory requirements, and industry best practices, with a specific focus on unsecured lending to SMEs.
- Review and assess the adequacy and effectiveness of existing policies, procedures, and internal controls related to unsecured lending activities, and make recommendations for enhancements or revisions as necessary.
- Stay abreast of regulatory developments, industry trends, and emerging risks in the MSME lending landscape, and ensure that internal audit activities remain aligned with evolving requirements and standards.
- Liaising with BPM & IT Teams on process reengineering, automation & health checks
Manager (Credit)
Kotak Mahindra Bank
02.2022 - 04.2023
- Researching and developing client’s creditworthiness.
- Approving/ rejecting loan requests, based on credibility, policy guidelines and customer’s profile for Personal loan.
- Ensure all lending procedures comply with regulations.
- Skillful communication with sales team & customers.
- Enforcing credit policy and ensuring adherence to accepted standards.
- Initiate process improvement and quality reviews to simplify and improve productivity.
- Interface with sales team, Collection team & Risk investigation unit to communicate credit decisions and ensure timely review of new customers.
- Travel across the length and breadth of Delhi NCR to understand market pulse and competition trends and educating sales team for policy and debt settlement.
Deputy Manager (Credit)
Axis Bank
05.2019 - 02.2022
- Researching and developing client’s creditworthiness.
- Approving/ rejecting loan requests, based on credibility, policy guidelines and customer’s profile for Personal loan & two wheeler loans.
- Ensure all lending procedures comply with regulations.
- Skillful communication with sales team & customers.
- Enforcing credit policy and ensuring adherence to accepted standards.
- Initiate process improvement and quality reviews to simplify and improve productivity.
Assistant Manager (Credit)
HDFC Bank
09.2017 - 05.2019
- Researching and developing client’s creditworthiness.
- Approving/ rejecting loan requests, based on credibility, policy guidelines and customer’s profile for consumer durables loans.
- Follow up with customers to manage debt settlements and loan renewals.
- Ensure all lending procedures comply with regulations.
- Collection and strategy planning of control.
- Skillful communication with sales team & customers.
- Enforcing credit policy and ensuring adherence to accepted standards.
- Interface with sales team, Collection team & Risk investigation unit to communicate credit decisions and ensure timely review of new customers.
- Initiate process improvement and quality reviews to simplify and improve productivity.
- Travel across the length and breadth of North Region to understand market pulse and competition trends and educating sales team for policy and debt settlement.
Sr. Officer. (Operations)
Janalakshmi Financial Services Ltd.
01.2017 - 09.2017
- Disbursement: Managing the disbursement process for unsecured / secured Loan handled by the Branches.
- Coordinating end-to-end disbursement process for the branches.
- Handing all the backend work and Managing MIS on Daily Basis.
- Knowledge of LOS/SFDC software which is used for processing all types of Loan.
- Responsible for overall TAT and MIS regarding Post Disbursal Document.
- Look after disbursal, approvals, complete relevant paper formality, create MIS, and set coordination between customer and Company towards increasing the sales.
- Initiation of the Transfer amount to HO in form of RTGS/NEFT.
Executive II
Shriram City Union Finance Ltd.
09.2013 - 01.2017
- Approving/ rejecting loan requests, based on credibility, policy guidelines and customer’s profile for auto loans, Two wheeler loans & Personal loans.
- Coordinate with four-wheeler sales team.
- Providing pay out to dealers.
- Guiding the team members to run the branches in effective manner.
- Conducting research study on types of discrepancies branches do.
- Process improvement by analyzing the research study.
- Effective Measure to Reduce TAT (Turn Around Time).
- Analyze daily basis of Value-Added MIS Function.
- Co-ordinate with the ECS & CMS Department.
- Provide training and build effective credit team for Delhi/NCR.
Education
MBA - Financial Management And Marketing Management
Swami Vivekananda Subharti University
Certification in Retail Credit & Risk Management -
NIBM
Bachelor of Science - Bachelors Of Computer Applications (BCA)
St. Solider Mgt. & Tech. Institute
04.2001 -
Skills
Risk assessment
Interests
Travelling
Reading Financial Articles
Music
Disclaimer
I am Varun Gogna hereby declare that the above-mentioned information is correct up to my knowledge and I bear the responsibility for the correctness of the above-mentioned particulars.
Personal Information
- Date of Birth: 08/31/91
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Sr.Manager (Risk Analytics)
Kesitsu Saison Finance India Pvt Ltd
04.2023 - Current
Manager (Credit)
Kotak Mahindra Bank
02.2022 - 04.2023
Deputy Manager (Credit)
Axis Bank
05.2019 - 02.2022
Assistant Manager (Credit)
HDFC Bank
09.2017 - 05.2019
Sr. Officer. (Operations)
Janalakshmi Financial Services Ltd.
01.2017 - 09.2017
Executive II
Shriram City Union Finance Ltd.
09.2013 - 01.2017
Bachelor of Science - Bachelors Of Computer Applications (BCA)
St. Solider Mgt. & Tech. Institute
04.2001 -
MBA - Financial Management And Marketing Management
Swami Vivekananda Subharti University
Certification in Retail Credit & Risk Management -
NIBM
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