Hiren S.

CEO

Mumbai, India11 yrs 1 mo experience
Highly Stable

Key Highlights

  • Over 10 years of banking industry experience
  • Chartered Accountant specializing in large-ticket loans
  • Strong relationships with 50+ banks and financial institutions
Stackforce AI infers this person is a Fintech expert with a focus on risk management and loan structuring.

Contact

Skills

Core Skills

Loan StructuringRisk Management

Other Skills

Secured FinancingOperational Risk ManagementInternal ControlsProject FinanceReal Estate FinancingStatutory AuditTradingVATTypingMeetingTallyTDSIncome TaxAuditingStatutory Accounting

About

🚀 Welcome to my LinkedIn profile! Over 10+ years in the banking industry and MNCs, I’ve had the opportunity to view finance from both the lender’s and the borrower’s lens. This journey helped me deeply understand the disconnect between what banks look for and what customers actually expect—an rare insight that now defines my professional approach. I am a Chartered Accountant and Corporate DSA, specialising in large-ticket Home Loans and Loan Against Property (LAP) for salaried professionals, business owners, and self-employed individuals across Mumbai & Navi Mumbai. With Active relationships across 50+ banks and financial institutions, We provide clients with a structured, multi-bank approach to lending — ensuring the most suitable interest rates, optimal loan structures, and maximum possible eligibility based on their profile. My engagement model is fully transparent and client-centric. We do not charge any consultancy fees to borrowers — banks compensate us directly for successful sourcing. This allows us to remain completely unbiased while representing our client’s best interests. Core Specialisations: • High-value Home Loans (purchase, transfer & top-up) • Loan Against Property (LAP) for business and liquidity needs • Working Capital Facilities (like Cash Credit, Overdraft, Bill Discounting etc) • Eligibility optimisation & multi-bank comparison • End-to-end documentation, sanction & disbursement management • Specialised in serving complex ownership structure for entrepreneurs and business owners. Client Segments I Work With: • CXOs, Senior Professionals & Corporate executives • Business Owners, Promoters & Self-Employed professionals Collaborating with : • Builders & Developers • Real Estate & Property Consultants • Chartered Accountants & Wealth Advisors I am building a advisory firm focused on delivering speed, structure, discretion, and execution certainty in complex and large-ticket funding requirements. 📍 Service Coverage: Mumbai & Navi Mumbai 🤝 Open to strategic collaborations with builders, developers & professional intermediaries !

Experience

11 yrs 1 mo
Total Experience
2 yrs 7 mos
Average Tenure
7 mos
Current Experience

Experto consultancy llp

Managing Partner

Oct 2025 – Present · 7 mos · Mumbai Metropolitan Region · On-site

  • Making borrowing simple, transparent, hasslefree and optimized.
  • We provide expert guidance and execution across Home Loans, Loan Against Property, and Working Capital Loans, helping clients access the most suitable lenders and the best rates through our direct tie-ups with major Banks and NBFCs.
Loan StructuringSecured Financing

Vfs global

Deputy General Manager - Enterprise Risk Management

May 2023 – Oct 2025 · 2 yrs 5 mos · Mumbai, Maharashtra, India · On-site

  • Led the design and strengthening of enterprise-wide risk governance frameworks aligned with ISO 31000.
  • Supported Board and Audit Committee through structured risk reporting, KRIs, and emerging risk assessments.
  • Oversaw global risk surveys, control frameworks, and top-risk monitoring across jurisdictions.
  • Provided independent insights on operational resilience, outsourcing risk, and information security governance.
  • Enabled board-level visibility into risk trends and control effectiveness without operational interference.
Risk ManagementOperational Risk Management

Jio financial services

Enterprise Risk Specialist

Dec 2019 – May 2023 · 3 yrs 5 mos · Mumbai Area, India · Hybrid

  • Strengthened the risk governance framework by institutionalizing Operational Risk Committee processes and integrating enterprise-level risk dashboards.
  • Spearheaded risk culture enhancement initiatives and conducted governance trainings for cross-functional leaders.
  • Partnered with senior leadership and Board Committees to provide risk insights and agenda inputs for RMC and PAC meetings.
  • Oversaw outsourcing risk reviews, ensuring third-party governance aligned with RBI and internal policies.
  • Implemented KRIs and RCSAs across multiple units to improve board-level reporting and control assurance.
Internal ControlsRisk Management

Idfc first bank

Senior Manager - Retail Liability

Aug 2017 – Dec 2019 · 2 yrs 4 mos · Mumbai, Maharashtra, India · On-site

  • Designed and executed the business risk control framework for Retail Liabilities.
  • Collaborated with ERM and Compliance functions to strengthen internal control and process assurance mechanisms.
  • Led the development of risk registers, monitoring metrics, and early warning indicators to detect control gaps proactively.
  • Partnered with auditors and regulators during reviews to ensure alignment with governance standards.
Internal ControlsRisk Management

Hdfc bank

Manager - Wholesale Credit Risk, Business Banking

Mar 2015 – Jul 2017 · 2 yrs 4 mos · Mumbai Area, India · On-site

  • Managed early warning frameworks for Business Banking portfolios, detecting stress signals and preventing potential NPAs.
  • Enabled credit risk insights for senior management to improve lending and recovery strategies.
  • Built collaborative reporting mechanisms between Credit, Risk, and Finance teams for better decision-making.

Education

The Institute of Chartered Accountants of India

Qualified Chartered Accountant — Accountancy and Taxation

Jan 2011 – Jan 2014

SIES College of Management Studies - India

Bachelor of Commerce - BCom — Commerce

Sep 2011 – Sep 2013

University of Mumbai

Bachelor of Commerce (B.Com.) — Commerce

Jan 2011 – Jan 2013

Stackforce found 100+ more professionals with Loan Structuring & Risk Management

Explore similar profiles based on matching skills and experience