Sweety Jain
Profectus Capital Pvt. Ltd.
Mumbai
21
years of professional experience
Chartered Accountant and forward-thinking BFSI Credit Leader with 20 years of experience in secured MSME lending, risk management, digital underwriting, and portfolio governance across leading NBFCs. Known for building hybrid underwriting frameworks that combine traditional asset-backed lending with new-age digital and cash-flow based models, enabling scale with controlled risk. Expert in RBI Middle/Upper Layer compliance, cluster-based underwriting, and leading large, geographically dispersed credit teams. Proven ability to maintain industry-best asset quality, deploy digital decision engines, and architect high-quality secured MSME portfolios.
Work History
Head – Credit, Retail MSME Secured Loans & Institutional Funding
8 Years 5 Months- Lead a team of 100+ credit underwriters across 27 branches for Mortgage, Machinery Finance, School Funding, and Institutional Funding.
- Manage a ₹3500 Cr secured MSME portfolio with less than 1.6% GNPA
- Co-authored and implemented cluster-specific credit policies, enhancing underwriting precision and scalability.
- Designed automated GST and cash-flow scorecards, reducing TAT by 40% and improving decision accuracy.
- Spearheaded the shift to API-driven digital underwriting, integrating GST, banking, bureau, and alternative data sources.
- Strengthened underwriting governance through RTRM and hindsight checks, ensuring consistent quality.
- Built a culture of end-use monitoring, enabling accurate EWS triggers and proactive resolution.
- Drove multiple LPOs that created market USPs and later evolved into full-fledged products/policies.
AVP – Central Underwriting Team Head (Corporate Underwriting)
9 Years 11 Months- Led central underwriting for high-value mortgage deals > ₹5 Cr, presenting cases to leadership committees.
- Underwrote Home Loans, LAP, and Construction Finance with strong risk governance.
- Provided portfolio insights and recommended policy/process modifications based on emerging risk patterns.
Credit Manager – LAP
1 Year 1 Month- Managed Home Equity (LAP) underwriting for Jaipur and Jodhpur, handling complete credit functions.
- Strengthened regional underwriting quality through improved documentation and risk checks.
- Analyzed credit reports and financial statements to assess borrower creditworthiness accurately.
Credit Analyst
1 Year- Led teams for bank audits (internal & statutory) and audits of export houses.
- Managed HDFC outsourced LAP file processing center, ensuring compliance and quality.
Education
Leadership Development Certification
Chartered Accountant
First Attempt
B.Com (Hons) - Accounting
Skills
MSME Secured Lending (Mortgage
Machinery
School Funding)
Institutional Funding & Construction Finance Underwriting
Digital Underwriting & API-Driven Decision Engines
GST
Banking & BUREAU Triangulation & Cash-Flow Based Underwriting.
Credit Policy Design & LPO Strategy
Portfolio Architecture & Governance
GNPA/NNPA Management & EWS Frameworks
ECL Modelling
Leadership of Large Credit Teams
Accomplishments
- Governed a ₹3500 Cr fully secured MSME portfolio with GNPA less than 1.60%
- Led 100+ credit underwriters across 27 branches, strengthening underwriting quality and governance culture.
- Designed and implemented cluster-specific credit policies, improving risk segmentation and approval accuracy.
- Reduced underwriting TAT by 40% through automated GST and cash-flow scorecards integrated into the core lending platform.
- Transitioned the organization from manual processing to a fully digital, API-driven underwriting ecosystem using GST filings, bank statement analyzers, and alternative bureau data.
- Built a 3-tier monitoring system (portfolio, customer, collateral) enabling early stress detection and timely resolution.
- Drove multiple Limited Period Offers (LPOs) that evolved into full-scale products/policies, strengthening market positioning.
- Co-Authored end‑to‑end development of PD and LGD predictive models for retail MSME secured portfolio, from problem definition to production deployment.
- Translated PD/LGD outputs into granular risk bands to drive differentiated underwriting, pricing, LTV, and collection strategies across segments.
PRODUCTS HANDLED
- Loan Against Property
- Educational Institute Funding
- Machinery Funding
- Leasing
- NBFC Funding
- Affordable Housing Loans
- Home Loans
- Construction Finance
Interests
Travelling
Listening to Music
Timeline
Head – Credit, Retail MSME Secured Loans & Institutional Funding
Profectus Capital Pvt. Ltd.
02.2018 - CurrentRead More
AVP – Central Underwriting Team Head (Corporate Underwriting)
Reliance Home Finance Pvt. Ltd.
02.2008 - 01.2018Read More
Credit Manager – LAP
GE Money
12.2006 - 01.2008Read More
Credit Analyst
Om P. Maheshwari & Associates
11.2005 - 11.2006Read More
JNVU
B.Com (Hons) from Accounting
Read More
ICAI
Chartered Accountant
Read More
IIM Ahmedabad
Leadership Development Certification
Read More