Uma Doshi - Patel

Core Competencies

Business Strategy & P&L Impact | Enterprise Profitability Management | Strategic FP&A | ALM & Capital Planning | Board-Level Advisory | Growth & Market Share Expansion | Pricing & Investment Strategy | Risk & Regulatory Integration | Digital & Process Transformation | Cross-Functional Leadership | Stakeholder Engagement

Key Achievements

• Enterprise Scale Leadership — Directed profitability for a ₹12.5 lakh crore (~$140Bn) retail lending portfolio across 11 secured and unsecured businesses, influencing capital allocation and strategic growth levers.
• Growth & Expansion — Spearheaded 5x branch expansion of the Gold Loan business (1,000 → 5,000 branches), doubling the loan book, increasing market share, and strengthening margins.
• Strategic Integration — Led financial and operational integration for the HDFC Ltd.–HDFC Bank merger, aligning frameworks, product economics, and reporting with long-term strategic goals.
• Digital Transformation — Modernized budgeting and planning via Oracle Hyperion, introducing fixed and floating rate systems, and cutting reporting cycles.
• Cost and Productivity Optimization — Delivered manpower analytics influencing outsourcing, incentives, and workforce strategy, resulting in measurable cost efficiencies.
• Innovation Enablement — Created profitability frameworks driving product innovation, including the launch of new lending verticals (e.g., three-wheeler loans).
• Executive Influence — Regularly engaged with the CEO, the Board, and senior leadership to present strategic insights, portfolio scenarios, and investment cases.

• Supported month-end close and reporting processes, including journal entries and accruals.
• Developed Excel-based financial models to identify cost-saving opportunities and improve budgeting processes.

• Performed statutory and tax audits within BFSI and manufacturing sectors.
• Gained exposure to internal controls, direct tax assessments, and financial reporting standards.