Kurla, Maharashtra, India
I manage one of India's largest retail secured lending books — ₹25,000 Cr in Loan Against Property across 1 lakh active accounts — and I've spent the last three years at the intersection of credit policy, pricing architecture, and distribution scale. At Piramal Capital & Housing Finance, my work sits at the credit-commercial interface: I own the policy parameters that define who we lend to, the pricing framework that determines what we earn, and the institutional partnerships that expand how we source. A few things I've built that I'm proud of: – Co-lending frameworks with Axis Bank, Central Bank of India, and RBL Bank — from risk-sharing structure to system integration — delivering ₹100 Cr/month in average disbursements within two months of go-live. – A rural NTB channel via Common Service Centres, scaled to ₹150 Cr/month across ~1,300 VLE touchpoints in ~300 cities. Piramal's Chairman Award for Rural Financial Inclusion Excellence followed in 2025. – A market-tier pricing redesign across the full ₹25,000 Cr book that improved net sourcing yield by up to 50 bps while keeping 90+ DPD contained at 0.5%–0.6%. – A digital NTB acquisition pipeline with PaisaBazaar generating ~150 qualified leads/month — the first structured digital funnel for the LAP product. My background is in credit-oriented product management — I think in risk-adjusted returns, portfolio quality, and deal economics rather than just features and funnels. I'm now looking to bring this lens to a role with direct client ownership, whether in commercial lending, mid-market banking, or senior product leadership within BFSI. If you're building a team that touches secured lending, credit structuring, or NTB growth in institutional or commercial banking — I'd welcome a conversation. 📩 [email protected] · Open to opportunities
Owned end-to-end product parameters, credit policy, pricing architecture, and institutional partnerships for Piramal's LAP vertical — a ₹25,000 Cr book across ~1 lakh active accounts with ₹25L average ticket size. 📌 Credit Policy & Portfolio Management – Defined FOIR, LTV, income assessment norms, and collateral eligibility across geographies — calibrating parameters against risk appetite while maintaining 90+ DPD (Net) at 0.5%–0.6% at MOB 17. – Launched D&E Market Lite Income Assessment and Niche Collateral frameworks to extend underwriting access to underserved segments without widening the risk profile. 📌 Pricing Architecture – Redesigned pricing using market-tier segmentation, lifting net sourcing yield by up to 50 bps across the full book. – Modelled risk-band pricing sensitivity with Business Analytics to balance volume growth and margin protection.
📌 Co-lending & Institutional Partnerships – Built co-lending frameworks with Axis Bank, Central Bank of India, and RBL Bank — defining risk-sharing terms, eligible profiles, and documentation standards. – Achieved ₹100 Cr avg. monthly disbursements (Axis ₹15 Cr · CBI ₹40 Cr · RBL ₹25 Cr) within two months of activation, with ~25% co-lender approval rate. 📌 NTB Acquisition & Channel Build – Scaled CSC channel to ₹150 Cr/month across ~1,300 VLEs in ~300 cities → Piramal Chairman's Award for Rural Financial Inclusion Excellence (2025). – Built PaisaBazaar digital pipeline: ~150 leads/month, 25% login conversion, 10% disbursal rate. – Institutionalised a net-new Cheque Handover process eliminating a critical disbursal bottleneck; applied Lean methodology to reduce L2D TAT by ~2 days.
Mapped login-to-disbursal friction points through structured channel partner interviews; findings incorporated into dashboard redesign and revised L2D workflow adopted by the product team.