Dharmendra - Welcome to CazVid!

Expanded the co-lending business from ₹0 to ₹1000 Cr within 2 years, driving significant revenue growth and market penetration., Automated MIS processes & developed Tableau dashboards, cutting manual reporting efforts by 40% and enhancing data-driven decision-making., Optimized end-to-end processes with banking partners, improving compliance adherence, turnaround time (TAT), and operational efficiency., Directed OEM incentive claims, fleet financing operations, and business expansion strategies, aligning with organizational growth objectives., Oversaw portfolio and collection operations for co-lending products, ensuring timely recovery and minimizing credit losses., Decreased early delinquencies by 15% through implementation of Early Warning Systems (EWS) and advanced analytics., Tracked portfolio performance across multiple vehicle and equipment loan products, including Car, Pre-owned, Commercial Vehicles (CV), Auto Loans, Three-Wheelers (3W), and Farm Equipment., Advised on policy and underwriting improvements through monthly portfolio and risk reviews, strengthening credit discipline., Collaborated with the Fraud Control Unit (FCU) to identify fraud indicators, enhancing risk detection and mitigation., Assessed critical risk metrics, including roll rate, bounce rate, bucket movement, GS3, 90+ Frontbook, 30+ MOB, and DPD indicators, to control early delinquencies and maintain portfolio health., Escalated early warning signals (EWS), quick mortality cases, NPAs, and non-starters to sanctioning authorities to minimize Net Credit Loss (NCL).

Implemented IFRS-9 ECL modeling & migrated risk reporting to SAS in collaboration with KPMG, enhancing accuracy & automation of reporting processes., Mitigated operational risk exposure by 20% through strengthened governance frameworks and proactive risk controls., Presented risk dashboards and insights to the Board Risk Committee & Risk Management Committee (RMC), enabling informed strategic decisions., Led Risk Control Self-Assessment (RCSA), stress testing, scenario analysis, and audit coordination across Car Loans, Two-Wheelers, and Loan Against Property (LAP) portfolios., Managed Data Loss Prevention (DLP) processes, internal and external audits, and formulated the Risk Appetite Statement (RAS) to align with regulatory and business requirements.

Automated Car Loan MIS and dashboards using Tableau, improving reporting efficiency and enabling real-time portfolio insights., Directed end-to-end incentive automation for dealers and executives, ensuring timely and accurate disbursement., Designed SOPs, schemes, budgets, and collection strategy dashboards, standardizing processes and improving operational control., Executed ECLGS process with complete system integration, streamlining government relief program implementation and tracking.

Prepared SME MIS reports, tracked SLA compliance, and analyzed customer issue patterns to support operational improvement & service delivery.

Developed dashboards and incentive MIS for internal teams, coordinated with vendors, and performed SQL-based analytics to support decision-making and operational efficiency.

Managed e-marketing campaigns including email marketing, product postings on Google and search engines, and lead generation by identifying and contacting potential customers.