Aug 2024 – Jul 2025 · 11 mos · Pune, Maharashtra, India

• ● Responsible for 3 microservices within the Sarvagrams tech architecture. Customer Origination System (COS), Credit Management System (CMS), and Command Control
• ● Ensured continuous grooming and prioritization of the product backlog to align with business, technical and compliance needs.
• ● Created a web app for the Regimentation of Field Officers (by implementing Live Tracking and a Permanent Journey Plan (PJP) features
• ● Headed a team of 8 to implement features which decreased the Field Officer's unproductivity by 20%

Apr 2023 – Aug 2024 · 1 yr 4 mos · Pune, Maharashtra, India

• ● Product Manager for LAP, served as the primary interface for clients with the loan book totaling
• to $60 million.
• ● Ensured smooth Customer Onboarding, Quality Assurance (QA) certification and UAT signoff for
• the LAP loan journeys.
• ● Gathered client requirements for 7 clients and translated them into Self-Serve (Mobile Banking)
• and Assisted (Net Banking) Journeys. Delivered these journeys with minimal defects and within
• stipulated timelines to enhance overall customer satisfaction.
• ● Comprehensive Journey Development: Developed the end-to-end LAP journeys for clients, on
• an API-first platform - a task encompassing screen configuration, API integration, Camunda
• workflow setup, low-code scripting (Java), integrating with various payment service providers,
• and JSON request/response handling.

Oct 2021 – Feb 2022 · 4 mos · Mumbai, Maharashtra, India

• ● Spearheaded finalizing the vendor for E-signing and E-stamping for loan agreements, helping Piramal Capital become one of the few companies to offer this functionality.
• ● Product owner for the used car loan product. Built on the MVP by understanding and representing stakeholders needs in user stories that led to higher acceptance of the product.
• ● Trained over 50 DHFL employees and addressed queries regarding new processes implemented in retail lending for compliance.
• ● Developed process-specific IT requirements, tested and tackled postproduction issues for the online platform of a non-mortgage lending product leading to a reduction in TAT by over 20%.
• ● Strategized the integration of Piramal and DHFL processes and databases in the retail lending segment after their merger enabling smooth data migration.

Apr 2021 – Sep 2021 · 5 mos · Mumbai, Maharashtra, India

• Created permissible credit plans for customers in tandem with the sales and accounts receivable
• teams
• Formulated plans and strategies for deciding on whether to extend credit to risky accounts,
• problem customers
• Sent notifications on new deals or delinquent customers to both the sales and the accounts for
• follow-up

Jun 2019 – Dec 2020 · 1 yr 6 mos

• Digitized the prepayment process to assist the customers with remote prepayments during the COVID lockdown, which resulted in a reduction in branch wait time by 20%
• Independently developed a sales analysis for every channel to identify areas of weakness, improving business relations and reducing the application rejection rate by 40%
• Led a 3-member team to perform an analysis to detect frauds and revised the standard processes making additional tele-verification of the power-of-attorneys mandatory
• Headed a 4-member team to guide customers on complicated issues related to recovery/ insurance and property title documents to pacify irate customers
• Steered a 4-member team and adhered to real estate and mortgage-related legal compliances to ensure that the securities created were enforceable
• Entrusted as the second in line at 2 major branches at HDFC Ltd: Thane and BKC (one of the highest value branches)

Jun 2017 – Jun 2019 · 2 yrs

• Assessed creditworthiness of over 1000+ clients based on past repayment track records to reduce non-performing assets of the company leading to lesser delinquencies
• Recognized as the employee with the highest productivity in my cluster in HDFC Ltd - Nov' 17 and Aug' 19

Jun 2016 – Jun 2017 · 1 yr

• • Acted as the single point of contact for the customers in loan processing, accounting, account delinquency, and default discussions

May 2015 – Aug 2015 · 3 mos · Mumbai Area, India

• Creating and managing a database with information pertaining to companies.
• Drawing up the criteria for inclusion of people in the Database
• Devising in conjunction with the technology team, the schema of the database in which this information will be captured and all possible sources.
• Creating the user interface for DB and supervising the DB creation

May 2014 – Jul 2014 · 2 mos · Mumbai Area, India

• Worked on SBI Backup Monitoring Project, done by routine checks using Putty and Remedy software and coordinating with CAP Engineers and SPOCs (Single point of contact)
• Gained an understanding of the various connection services of Dimension Data