Prashant Sharma

Over 18 years of banking experience in credit & risk management for Retail and SME segments. Primarily responsible for devising the strategy of onward lending into various markets by assessing the local economic activities , designing of policy framework for credit dispensation , underwriting of large ticket proposal , digital disbursement basis machine learning model , well versed with score card building and execution, setting up of internal control policies, collections, training. Portfolio Quality Management, Tracking of Portfolio Movement, Identification of risk at segment level, basis the severity & frequency risk level is assigned, Regular computation of lagged & co-incidental delinquency trend, Rolling NCL to ANR levels, preparation of life table to understand the age on book, developing score cards for retail ticket segments, etc Currently heading Mortgage loans, Unsecured Business Loans /Self Employed Professional Loans as Credit Strategy Head. Handled Infrastructure Working Capital Loans, Construction Equipment Loans, Health Care Equipment, Term Loans for specific projects & Working Capital Loans. Also handling policy transactions referred as out of policy,RAROC modeling etc. Handled Retail credit & Policy roles of various products like Home Loan, Business Loans, Education Loans, Consumer durable Loan, Medical Equipment and Office Equipment.On SME side I managed Construction Equipment, Healthcare Equipment, Working Capital, Project Funding Credit and Policies aspects. Specialities: Assessment of risk & assigning weights as per the risk apetite of the financial institution, evaluation of high value ticket loans , well verse with Real Estate complexities , added activity like : Imparting Training on Risk & Credit Management to be in congruence of the overall aimed goal