Dinesh Khelpande
Pune
Summary
My aim is to attain a position in a growth-oriented company where I can use my strong organizational and technical skills to contribute to the company's success. I am also seeking a position that will allow me to continue developing my abilities while contributing to the goals of the organization.
Overview
17
17
years of professional experience
Work History
Chief Manager – Product Management
Mahindra Finance
01.2024 - Current
- Manage unsecured loan portfolio of AUM 2000cr of internal existing customers.
- Ensure to enhance, strategies the personal loan product to meet the financial target.
- Refine product offering based on evolving customer need and market analysis.
- Work closely with sales, marketing, risk, operations, compliance and technology team for seamless release of sales campaign and product optimization.
- Define and monitor key performance indicator.
- Use data driven insights to iterate on product features and improve business out comes.
- Ensure product is adhere with compliance and regulatory guidelines.
- Regular update to business head on product progress, challenges and success metrics.
- Understand the product feedback from customer and internal department to improve product quality and gaps.
- Analysis of product P&L, credit cost and return on asset (ROA) financial metrics.
Director – Product Strategy
Arthmate Finance India Private Limited
03.2023 - 01.2024
- Develop and execute go to market strategies for new products including marketing and sales plan.
- Understand the existing products, identify the scope of improvements and suggestions to management.
- Leverage Technology to enhance product offerings, streamline process and improve customer experience and convenience.
- Ensure all lending products comply with RBI regulations and guidelines.
- Explore partnership with Fintech companies to integrate innovative technologies and services.
- Set the vision and strategic direction for product portfolio and investor relationships.
- Timely reviews of mechanisms with senior management and stakeholders.
- Collaborate with risk -CRO to implement risk management frameworks to mitigate product related risks.
- Engage with internal and external stakeholders to ensure alignment and support for the company's product and investment strategies.
DGM – Product Manager
Easy Pay Pvt Ltd
03.2021 - 03.2023
- Strategic planning and development of product aligned with business goal and vision.
- Market research to identify customer needs, current market trends and competitor landscape.
- Create business cases for new products or product enhancements including business projections, financial cost involved and detail analysis of product development.
- Lead the design and development of lending products ensuring they meet the regulatory compliance and customer needs.
- Manage entire product lifecycle from ideal launch time, product update, pilot launch and expansion plan.
- Cross functional collaboration with inhouse teams like marketing, sales, tech, compliance and customer support for successful product delivery and adoption.
- Keep track on the product cost and timeline of product milestones in Tech development.
- Gather and analyse the customer feedback and value addition in the product improvement.
- User friendly experience of the product, making it easy, convenient and secure product.
- Analyse the use data to monitor the product performance, identify gaps and make data driven decisions.
- Provide regular updates and reports to Chief Product Officer on product performance, improvement plans and strategies initiatives.
AGM – Product Manager
Wheels EMI Pvt Ltd
12.2017 - 04.2021
- Setup Product Roadmaps based on the business requirements and internal functions.
- Having successfully developed end to end workflows for enabling 100% Digital Lending product which includes automatic data entry, credit decisioning and disbursements through banks through a secure API endpoint.
- Complete knowledge of Financial Workflows and implementations\development of Loan Origination System (LOS), Loan Management System (LMS), Co-Lending Loan implementation, CRM tools sales.
- Extensive experience in driving end-to-end software development activities encompassing software ideation & conceptualization.
- Scoping business requirement, engagement roadmap, design guidance, product planning, schedule, monitoring & control, execution, product performance evaluation, risk assessment and people management.
- Helped in Designing and implementing custom Loan Origination System which enabled both Centralized and Decentralized (Branch based) working model.
- Implemented Finn one a product from Nucleus Software for Loan Management system.
- Built an API platform for Integrating Finn one with Loan Origination System.
- Developed credit Rule engine product for Credit Automation and have achieved the 60% of the loans getting approved without any manual intervention there by brought a big differentiation in market in terms of TAT compared to other competitors.
- Developed custom product platform for handling Co-Lending Loans.
Manager – Retail Asset - Operations and Credit
Capital First Ltd
11.2015 - 12.2017
- Create, Maintain, Prioritize and sequence the product backlog based on business values.
- Coordinated with 60 CPC staff of Nagpur, Madhya Pradesh, Chhattisgarh & Rest of Maharashtra for Branch Credit Operations for Housing Loan, Mortgaged Loan & SME Unsecured Loan (MBL-Micro Business Loan).
- Executed pre & post credit appraisal operations; monitored login & disbursement activity of small ticket secured & Unsecured Loans).
- Driving score-card module for small ticket loan (secured & un-secured loan).
- Final approving scorecard approved cases as per customer personal discussion & business verifications.
- Implemented improved business operations across all locations for Credit Operations, Disbursement, Post Disbursement of Branches.
- Delivered feedback and imparted training to sourcing teams on performance levels on FTNR, TAT.
- Identified and recommended measures to check unproductive volumes and cases of potential misuse.
- Suggested gaps in processes and addressed resolutions to overcome them.
- Executed activities related to Vendor management (legal, values, FI & RCU vendor billing), empanelment and billing processing of pay-outs; published monthly vendor performance report and motivated vendor by training & briefing.
- Supervised customer property document dispatched & retrieval process by coordinating with Record Management Unit.
- Conducted training sessions for customer desk executive to achieve optimal productivity; assisted IT & product team for UAT of new utility implementation & provided inputs for future improvements.
- Facilitated audit team and analysed the audit observation, justified the wrong observations.
Deputy Manager (Credit Operations & Loan Disbursements)
HDFC Bank Ltd
03.2012 - 11.2015
Assistance Manager (Retail Business Banking)
ICICI Bank Ltd
10.2008 - 03.2012
Education
Bachelor of Science -
Amravati University
Post Graduate Diploma - Banking and Operations
Institute of Banking and Finance
Project Management - undefined
PMP Certification
Skills
- Market Research and Analysis
- Customer Engagement
- Product Management
- Stakeholder Management
- Tech Product Execution Strategy
- Leadership
- Data Driven Decision
- Adaptive with new Technology trends
- Product Management tools
Languages
English
Hindi
Marathi
Gujarati
Personal Information
- Date of Birth: 03/01/83
- Marital Status: Married
Timeline
Chief Manager – Product Management
Mahindra Finance
01.2024 - Current
Director – Product Strategy
Arthmate Finance India Private Limited
03.2023 - 01.2024
DGM – Product Manager
Easy Pay Pvt Ltd
03.2021 - 03.2023
AGM – Product Manager
Wheels EMI Pvt Ltd
12.2017 - 04.2021
Manager – Retail Asset - Operations and Credit
Capital First Ltd
11.2015 - 12.2017
Deputy Manager (Credit Operations & Loan Disbursements)
HDFC Bank Ltd
03.2012 - 11.2015
Assistance Manager (Retail Business Banking)
ICICI Bank Ltd
10.2008 - 03.2012
Post Graduate Diploma - Banking and Operations
Institute of Banking and Finance
Project Management - undefined
PMP Certification
Bachelor of Science -
Amravati University
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