Amit Daga

Background

About Amit Daga

25+ Years Leading Financial Services Excellence in credit underwriting, lending operations, deposits mobilisation, collections, and process optimisation. Seasoned financial services leader with a proven track record of driving exceptional business growth while maintaining industry-leading portfolio quality. Currently managing defaults/NPA stamping in a loan book which is in excess of ₹26,500 crore in Rajasthan. Career Highlights: 1.⁠ ⁠Transformed regional business performance: Scaled monthly disbursements from ₹36cr to ₹300cr and deposits from ₹200cr to ₹1,500cr through strategic expansion and innovation 2.⁠ ⁠Pioneered credit underwriting excellence: Developed specialised frameworks for self-employed segments, growing portfolio to 23% with industry-best default rates 3.⁠ ⁠Maintained low NPAs and credit costs, achieving pre-COVID performance levels swiftly post-pandemic. Led the Moratorium and restructuring scheme to ensure smooth implementation while ensuring optimum utilisation by successfully counselling accounts. 4.⁠ ⁠Spearheaded process optimisation: Implemented Six Sigma methodologies and automation initiatives, improving credit processing efficiency by 30% 5.⁠ ⁠Demonstrated recovery expertise: Personally managed 200+ SARFAESI possessions with exceptional recovery rates Led multiple strategic initiatives including the establishment of credit hubs, disbursement centers, and deposit mobilisation networks across Rajasthan. Expert in developing tailored underwriting policies, particularly for self-employed professionals, incorporating innovative risk assessment techniques and cash flow-based evaluations. Recognised for fostering operational excellence through the development of robust control frameworks and automated systems. Six-time promotion recipient, testament to consistent value creation and leadership impact at HDFC Ltd./HDFC Bank over 23+ years.