Vijay Krishna
Chennai
Summary
Strategic Product Management executive with 25+ years of experience in Lending & Retail Banking, currently leading the product function at Novac Technology Solutions. Expertise in Loan Origination and Loan Management platforms, functional solutioning in Finance & Accounts, and Fintech applications. Known for translating complex business needs into actionable roadmaps and enabling cross-functional collaboration. Product Management is not just about features-it's about solving real problems, aligning teams, and driving impact. Skilled in managing diverse teams, navigating priorities, and ensuring business alignment.
Overview
27
27
years of professional experience
Work History
Vice President - Product Management
Novac Technology Solutions
Chennai
- Current
- Head product management for LOS & LMS platforms across BFSI sector.
- Define vision, roadmap, and execution strategies aligned with business goals.
- Translate requirements into scalable, functional features with measurable impact.
- Foster cross-functional collaboration among development, QA, and business teams.
Cluster Manager - Credit
Fullerton India
Chennai
06.2008 - 04.2012
- Led credit operations across Personal Loans, Mortgages, Auto Loans with a 45-member team.
- Risk appraisal, documentation, and compliance with credit policies.
- Managed collections and delinquency monitoring for 13 branches.
- Drove actionable strategies to reduce delinquency in 0-9 MOB segments.
Area Manager - Credit
ICICI Bank
Chennai
10.2005 - 06.2008
- Set up South Hub for CPSG credit underwriting.
- Managed Corporate, Business & Premium card portfolios.
- Oversaw MBL operations across Chennai, ROTN, and Kerala markets.
- Handled recruitment, audits, and performance optimization for DSA/DST networks.
Assistant General Manager
Shriram Investments Ltd.
Multi-location
01.1999 - 10.2005
- Started in Internal Audit; transitioned to Finance & Operations roles.
- Managed financial functions across Karnataka, Kerala, and Tamil Nadu zones.
- Oversaw back-office processes and improved compliance standards.
Education
Bachelor of Commerce (B.Com) -
University of Madras, A M Jain College
ChennaiChartered Accountant - Intermediate Qualified
Cost & Works Accountant (ICWAI) - Intermediate Qualified
Skills
- Loan Origination & Management Systems
- Credit Risk & Lending Operations
- Feature prioritization
- Regulatory compliance
- Stakeholder Engagement & Delivery
- Agile Product Development
- Team Leadership & Mentorship
- Product Strategy & Roadmapping
- Cross-functional collaboration
- Process optimization
Hobbies and Interests
- Music
- Movies
- Trekking
- Jogging
- Cycling
Personal Information
Title: Vice President - Product Management
Timeline
Cluster Manager - Credit
Fullerton India
06.2008 - 04.2012
Area Manager - Credit
ICICI Bank
10.2005 - 06.2008
Assistant General Manager
Shriram Investments Ltd.
01.1999 - 10.2005
Vice President - Product Management
Novac Technology Solutions
- Current
Bachelor of Commerce (B.Com) -
University of Madras, A M Jain College
Chartered Accountant - Intermediate Qualified
Cost & Works Accountant (ICWAI) - Intermediate Qualified
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