Damini Jain

Co-Founder

India6 yrs 8 mos experience

Key Highlights

Expert in commercial lending and credit workflows.
Led significant process improvements in lending operations.
Successfully launched and managed a hospitality venture.

Stackforce AI infers this person is a Fintech expert with strong operational and strategic capabilities.

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Skills

Core Skills

OperationsProject ManagementCommercial LendingPortfolio Management

Other Skills

Project PlanningProject ImplementationVendor CoordinationSalesforce CRMWorkflow ImprovementMicrosoft ExcelMarket AnalysisStrategyGo-to-Market StrategyStrategic ThinkingProblem SolvingStrategy ExecutionStrategic PlanningEmotional IntelligenceStakeholder Management

About

I have spent the last 6.5 years working closely with how lending actually works on the ground across SME and commercial banking at Kotak Mahindra Bank, HDFC Bank, and Tata Motors Finance. My experience spans the full lending lifecycle from borrower acquisition and credit assessment to disbursal and portfolio monitoring across both secured and unsecured lending. Beyond execution, I’ve been drawn to improving how lending systems operate. At Kotak, I worked with product and credit teams to highlight gaps between standard policies and on-ground borrower realities, leading to documentation simplification, workflow improvements, and better alignment between policy and customer behavior. I was also part of CRM-led process digitization efforts to bring more structure to case tracking and approvals. More recently, following a family health situation, I took on two independent engagements working closely with a founder to drive execution and improve cash flows in a manufacturing setup, and building a hospitality venture from scratch, setting up operations, pricing, and customer experience end-to-end. I’m particularly interested in roles where lending, operations, and system thinking intersect building better, more practical solutions grounded in real-world experience.

Experience

The lime house

Founder- Independent Project

Jul 2025 – Present · 8 mos

Converted a family property into a hospitality asset (Airbnb); managed end-to-end setup, vendor coordination, and pricing recovering ₹6.5L setup investment within the first year

Project PlanningProject ImplementationOperationsProject Management

Mahadev manufacture (operating as mahadev ventures)

Chief of Staff - Independent Project

Jan 2025 – Jun 2025 · 5 mos · On-site

Worked directly with the founder on business and operational priorities in a manufacturing unit; improved execution discipline and grew monthly cash inflows by ~35%.

Project PlanningProject ImplementationOperationsProject Management

Kotak mahindra bank

Manager — Commercial Banking

Nov 2022 – Jun 2024 · 1 yr 7 mos · Gurugram, Haryana, India · On-site

Identified a fundamental mismatch between Kotak's standard credit policy (requiring 30+ documents including network certificates) and the cash-rich, low-balance-sheet profile of Uttarakhand SMEs escalated findings to the product and credit team with a structured recommendation.
Led simplification of credit intake workflows in collaboration with product teams reducing borrower drop-offs and improving evaluation turnaround time.
Contributed to the automation of the Business Proposal Letter what was earlier a manual document is now generated directly from the system using balance sheet inputs, cutting preparation time significantly.
Contributed to Salesforce CRM rollout by helping define workflows, improving case tracking, and end-to-end visibility for credit teams.
Flagged policy rigidity around LTV norms for agricultural land (non-MDDA approved) and pushed for state-specific LTV adjustments policy was revised to reflect local land market realities in Uttarakhand.
Trained 12 field executives across the North region on the revised LOS workflows, updated documentation norms, and Salesforce CRM usage, ensuring adoption of the new system on the ground.
Analyzed login-to-disbursal funnel and TAT metrics, identifying bottlenecks and sharing insights with product team to improve approval work flows.

Project PlanningProject ImplementationSalesforce CRMWorkflow ImprovementCommercial LendingOperations

Hdfc bank limited

Portfolio Manager

Oct 2021 – Oct 2022 · 1 yr · On-site

Managed a ₹50 Cr working capital portfolio of ~45 SME borrowers across secured facilities CC, OD, and demand loan limits monitoring utilization, repayment behavior, and early delinquency signals.
Monitored post-disbursal portfolio lifecycle and maintained credit hygiene by tracking documentation compliance, flagging irregularities, and ensuring timely renewals and limit reviews via LOS-based workflows.
Facilitated renewals, limit enhancements, and restructuring by coordinating with internal credit teams and progressing proposals through the approval chain; maintained borrower engagement for periodic financial updates.
Used Oracle Flex cube for account activity monitoring and maintained clean audit trails for credit reviews.

Microsoft ExcelProject ImplementationPortfolio Management

Tata motors finance

Territory Manager — MHCV Finance

May 2018 – May 2021 · 3 yrs · Chandigarh, Chandigarh, India · On-site

Managed high-volume CV lending across MHCV and LCV segments handled ~25 cases per month generating ~₹10 Cr in monthly disbursals across secured and unsecured loan products.
Operated within tightly defined TAT frameworks: FTU (first-time users) next-day disbursal; STU (single-truck users) — 2-day login to disbursal; STRs (fleet >10 vehicles) — 4-day cycle; understood and worked within system logic to optimize case throughput.
Processed end-to-end loan origination via LOS: borrower profiling, document verification, credit policy compliance, and case progression through approval and disbursal stages.
Evaluated borrower profiles on cash flows, repayment capacity, and collateral coverage for asset-backed lending; coordinated with dealer partner networks and operations to close cases within TAT.
Contributed to portfolio monitoring by tracking repayment behavior and identifying early signs of stress in the borrower base.

Project ImplementationMarket AnalysisCommercial Lending