Satya Prasad

Background

About Satya Prasad

With over 18 years of expertise in credit risk management, underwriting, and portfolio optimization, I specialize in building scalable, data-driven credit frameworks that enhance risk control while driving business growth. My experience spans across retail lending across various products (secured and unsecured)—helping financial institutions develop robust lending portfolios with sustainable risk metrics. I excel in interpreting market trends, optimizing credit policies, and leveraging alternate data sets to enhance underwriting efficiency and reduce NPAs. My ability to collaborate with cross-functional teams, partners (NBFCs), and demand-side stakeholders ensures that financial products align with both business goals and customer needs. Key Strengths & Value Additions: Credit Policy & Risk Frameworks – Formulating and implementing policies for secured & unsecured lending. Co-Lending – Working with NBFC partners to develop a strong co-lending book. Portfolio Risk Monitoring – Tracking risk metrics, collections, and compliance for optimal portfolio health. Digital Lending & Underwriting – Collaborating with data science & tech teams to build automated credit scoring models. Regulatory Compliance & Audit – Ensuring adherence to regulatory guidelines and internal risk policies. Collections & Recovery Strategies – Developing strategies to improve collection efficiency and reduce delinquencies. Stakeholder & Team Leadership – Leading cross-functional teams and working with business anchors to drive lending growth. I am passionate about bridging the gap between risk management and business expansion through data-driven decision-making, digital innovations, and process automation. Always open to discussions on credit risk strategy, fintech advancements, and financial inclusion models. Let’s connect to exchange insights on the evolving credit & risk landscape!