Rahul Ramesh Karandikar

- Led Subject Matter Function for Loan Origination System (LOS) and Loan Management System (LMS) implementation across diverse banking clients in Africa, Middle East and South East Asia. - Directed strategic planning and execution of projects, ensuring alignment with client requirements and industry standards. - Collaborated with cross-functional teams to identify and integrate innovative solutions, enhancing operational efficiency and client satisfaction. - Provided expert guidance and support in the development of banking technology solutions, driving improved performance and user experience.

Handling commercial business for strategic members covering SBI, ICICI, Axis, HDFC and Bajaj.

- Engage with other Tech/Business PO’s to discuss work and promote product. - Act as face of product to Stakeholders. - Act as customer representative to team and explains the value of the change to the business. - Help elaborate Stories to Tech team where detail needed. - Review and accept of all work completed in Sprint. - Participate in Story Refinement sessions. - Participate in Sprint Planning to help team understand the change and ensure priority of work is correct.

- Product Management for Commercial Credit Bureau. - Assisting banks in order to smoothen the lead sourcing, sanctioning to effective Portfolio Risk Management.

- Introduction of Unsecured lending product for B2B segment basis digital payments - introduction of Unsecured working capital OD product - Complete ownership of new products from conceptualization, design, development and delivery. - launched 3 products in span of 6 months to augment the company product bouquet.

- Annual business budgeting & analysis, Monthly management reporting, Variance Analysis and Planning, P&L preparation. -. Preparation of annual operating plans and long range plans. - System Development as per business requirement, Co-ordination with Finance, IT and various stakeholders. - BRD preparation for system changes. -. Product program preparation for commerical banking products like purchase bill discounting, channel finance and sales bill discounting.

- Overseeing the operations pertaining to Infra Finance, PO finance and Term Loans to SME from the sanction of credit Limit till disbursement and post disbursement monitoring including security PDC monitoring 1. Coordinating with business team for disbursement. 2. Ensure proper documentation prior to disbursement as per defined process. 3. Ensuring Disbursement is done within agreed SLA. 4. Nil Operational processing error 5. Timely and proper accounting of EMI receipt. - IT enhancements and timely outsourcing of process to outsourcing partner 1. Coordinating with IT for UD finalization and delivery 2. Business Process Mapping for all commercial lending process to plug the system gaps and effective outsourcing to outsourcing partner - Co-ordination with all stakeholders in supply chain from Product teams, Sales team and IT teams for seam-less operations

Structured Mezzanine Credit Facility (SMCF) is commitment based fund set up by IL&FS and 13 PSU Banks with asset under management of INR 26500 Mn 1. Performing dual role – as a Lender and as a Facility Manager 2. Credit Evaluations of Fresh Proposal and Presentation of the same to Credit Committee constituting of Member Banks 3. Seamless co-ordination between Lenders and Borrower Companies 4. Managing the operations of fund including day to day interaction with banks for interest servicing, disbursement and other monitoring compliances 5. Ensuring the smooth flow of fund – with respect to disbursements, drawdown and servicing of the debt Specialized Area: Restructuring of Proposals through ‘Corporate Restructuring’ Route (CDR)

1. Conducting comprehensive due diligence of the Project based on the Banker’s perspectives 2. Preparing the Information memorandum describing in depth the project specifications like Promoters, Industry Background, Project Cost & Means of Finance & Projected Financials 3. Preparing the Financial Models for the various project based on the Project Cost and Client Needs 4. Meeting the Bank officials at various levels to explain the Projects, Facilitating them for the speedy and timely processing 5. Loan documentation for the closed mandates 6. Follow up with and facilitate the Bankers in the disbursements for the closed mandates Specialized Area: Project Evaluations and Fund Raising for Power, Road Projects, Steel, Renewable energy & Hospitality Industry

Involved in statutory and tax audits for various Manufacturing firms like Alok Industries and Bridgestone Tyres