Viswanathan Chandrasekaran

• Plan, implement, manage strategic programs and credit risk monitoring in Commercial product portfolio which includes business loans, commercial vehicle loans, tractor and agri ecosystem loans
• Pursued programs focusing on 3 major levers initiated through annual planning, aligned with market development - business transformation, cost optimization, risk management
• Transform customer acquisition, on-boarding and servicing through digitization of processes and enhancing customer experience
• Multiple Fintech partnerships for lead generation, automated verification / validation, soft sanction rule engines - integration of external API's with in-house systems for KYC validation, RC Vahan verification, farm score checks, video enabled customer discussion, analysis of bank statements
• Analytical models for risk segmentation, through-the-door (TTD) metrics, propensity scoring to minimize credit risk, optimize collection efficiency and enhance cross-sell upsell opportunities
• Partner with 3 major Credit Bureaus, integrated score, trade-line checks for risk minimization and enhance portfolio quality

Highlights (Year 1 Milestones):

• Portfolio monitoring mechanism for INR. 11,000 Cr. book. Early delinquency reduced by 3%, improved portfolio quality by increasing low-risk acquisition to mix
• Sanction rate increase by 7% resulting in incremental disbursal by INR. 360 Cr. annually
• Avg. turnaround time (TAT) for final sanction reduced from 3 days to 6 hours
• First time right (FTR) login completion increased through mobility solutions for field teams, addressed documentation related follow ups, pain-points for customers
• Acquisition cost and operating costs decreased by 2% through automation, process efficiency and increased productivity
• Part of central leadership team overseeing migration of Commercial Underwriting to a new system of record

• Lead due-diligence and solution development assignments, partnered with account teams on RFP, deal summaries and client acquisitions
• Managed cross-functional teams during transition, stabilization and transformation phases of client service delivery in Commercial Banking, Fraud Management, IT Program and Portfolio Management and Credit Research
• Managed client engagements and senior stakeholder relationships through governance, monthly and quarterly performance reviews on key service levels (SLA) and overall customer satisfaction index (CSAT, NPS)
• Develop frameworks, operating models, partner with technology, digital and quality teams at Wipro to improve service delivery metrics and customer experience
• Implemented Center of Excellence (CoE) initiatives for business process re-engineering, knowledge management and quality assurance
• Proponent of change management and creating culture of innovation

Highlights:

• On-boarded and transitioned 2 large programs of banking sector clients, 5 other niche / project based services more than $30 million in revenue
• Led large cross-functional teams (250+ members). Built, nurtured and managed business relationships
• Deployed new operating models in client engagements covering project finance and commercial lending operations - improved resource utilization and optimization of headcount by 15% in 2.5 years
• Identified $300K scope for cost savings through CoE framework for process excellence, optimize training and knowledge management, support go-to market activities
• Conferred with key performer, critical resource

Growth Path:

Business Analyst: Nov'06 to Sep'08

Project Lead: Oct'08 to Mar'10

Program Manager - Product Development: Apr'10 to Jan'15

Tech Manager - Product Support: Feb'15 to Dec'15

• Steered video product development programs from inception, financial planning to development and market launch
• Managed cross-functional teams to develop product functionality, deliver enhancements to FiOS TV service provisioning systems
• Evaluated and developed several break-through concepts part of large product programs - interactive media guide enhancements, multi-screen content delivery and advertising capabilities
• Enhanced FiOS TV set-top box data and audience measurement capabilities
• Market research and competitive analysis through primary and secondary research methods. Worked with market analysts from firms like Gartner, Forrester and IDC group

Highlights:

• Managed pre-launch investment of more than $5 million through 5-year revenue benefits running into multi-million dollars
• Worked with technology integration teams in Ericsson, Motorola, Viamedia for 2 major upgrades to set-top box, media guide enhancements and video advertising platform capabilities
• Launched 4 CRM applications, widgets for self-service, content merchandise
• Ovation award for financial performance of video products in 2012
• 3 Spot wards for project timeline adherence and quality of project delivery