Vijay Krishna

Define the product's long-term vision and strategy, aligned with the company's goals.
Create and manage the product roadmap, prioritizing features based on customer needs, market demand, and business value.
Advocate for the user, ensuring the product meets customer needs and delivers a great user experience.
Use frameworks like MoSCoW (Must have, Should have, Could have, Won't have), RICE (Reach, Impact, Confidence, Effort), or Kano Model to prioritize features.
Balance short-term needs with long-term goals, considering both quick wins and strategic initiatives.
Collaborate with engineering teams to ensure the technical feasibility of features and set realistic timelines.
Write detailed product requirements documents (PRDs) that specify what needs to be built and why.
Oversee the development process, ensuring the product is built according to specifications.
GTM - Plan product launches in collaboration with marketing and sales teams.
Develop positioning and messaging that differentiates the product in the market.
Monitor the product's performance post-launch and iterate based on user feedback and analytics.
Technical Acumen: Understanding of the technology stack, APIs, databases, and development processes to effectively communicate with engineers.
Analytical Skills: Ability to analyze data, derive insights, and make data-driven decisions. Familiarity with tools like Google Analytics, Mixpanel, and SQL can be beneficial.
Communication: Strong communication skills to articulate product vision and decisions to stakeholders across different departments.
Leadership: Ability to lead cross-functional teams, inspire trust, and drive alignment towards common goals.
Balancing Priorities: Navigating trade-offs between user needs, technical constraints, and business objectives.
Stakeholder Alignment: Ensuring all stakeholders are on the same page, particularly when priorities or strategies shift.

Forefronting the entire credit operations pertaining to Personal Loans, Two Wheeler, Mortgages, and Auto Loan Used, with a team of 30 credit resources and 15 BPOs across Chennai and Vellore Cluster with 13 branches. Engaged in appraising proposals, conducting risk analysis, scrutinizing relevant documents before sanctioning, disbursing loans, and ensuring compliance with organizational credit policies. Conducting a comprehensive study of the creditworthiness during the process of sanctioning credit/loan to individual clients through all the primary and secondary researches.
Handling post-disbursal support functions, including documentation, client queries, and follow-up with defaulting customers for collections.
Liaising with other departments and various levels of management regarding reporting issues, including investigating data issues and reporting errors. Monitoring collection figures across the portfolio against the overall target. Following up with clients, implementing collection strategies, and sticky accounts to ensure achievement of pre-set targets. Analysis on the Delinquency, Segments, 0-9 MOB Collection Performance. Actionable measures to curtail profiles that hit delinquency.

Responsible for setting up the South Hub in Chennai.
Responsible for underwriting proposals for South. Processing of Apps and proposals of CPSG products.
Responsible for recruiting, training, and monitoring process activities of the Chennai Hub.
Products being managed are Corporate Cards, Business Cards, and Premium Cards.
Handling a team of 20 with 2 credit managers.
Identifying skips, fraud, CPV failures, reasons, profiles, etc., from delinquent cases and taking corrective measures to prevent repetition of the same. MIS and daily trackers.
Area Credit Manager (RAPG – Micro Banking Loans) handling Chennai, ROTN, and Kerala Markets – Responsible for the MBL Business in Chennai, ROTN, and Kerala markets, managing 7 Loan Shops and with a team of 7 Credit Managers.
Handling the MBL Business for Chennai city, managing 11 Loan Shops, and with a team of 10 Credit Managers.
Increased the width and depth of Business by appointing DST, DMA, and Loan Shops. Responsible for recruiting, training, monitoring, and auditing DSA, DST, and loan shops. Responsible for optimizing CVP. Responsible for handling service providers.

Joined as an executive in the Internal Audit Department.

Conducted

Managed Finance, Accounts, and Back Office in Different Locations.

Bangalore Zonal Office.

Dharwad Service Centre, managing North Karnataka.

Ernakulam Zonal Office managing Kerala.

Chennai Zonal Office managing TN.