Saurav Satyendra

sharmasaurav434@gmail.com
Sharma 6354350016, 8460010853
Currently, a Product Manager at DCB Bank managing
vehicle loan product and Digital banking project. Bangalore, India
3+years of work experience in the BFSI sector.
……linkedin.com/in/saurav-sharma-b74695156
Excellent analytical, problem-solving and
communication skills with adaptable nature

WORK EXPERIENCE
Product Manager-Digital Transformation-Vehicle SKILLS
Finance
DCB Bank (Bangalore, Karnataka) Tableau Python
06/2021 - Present, Digital banking
Achievements/Tasks
Managing end to end business process of Refinance lending and driving business
growth by executing changes in product offering
Conducted market research and executed product changes for Refinance business to
match DCB product standard to current industry standard
Stress testing
Streamlining business processes by conducting Product process review with
multiple stake holders hence ensuring correct execution of process and solving Equity Derivatives
process related discrepancies
Decision making and problem solving
Responsible for end-to-end process Digitalization project for Tractor and KCC
products.
Advanced MS- Excel MS - Powerpoint
Developed entire digital product journey with LOS, BRE, Credit & Operation
Portals, LMS, collection app and customer app journey and project PERT by
gathering requirements from multiple stakeholders for Tractor and KCC product ACHIEVEMENTS
Executed vendor evaluation by doing a market survey and interacting with Presented equity research paper on the
multiple vendors and communicating project requirements. Aviation industry(10/2018 - 02/2019)
In depth fundamental analysis and growth projections on the
Heading Vehicle loan digitalization project in close co-ordination with SENSEI Aviation industry. Analyzed Jet Airways stock with bottom
Technologies and Kaleidofin Pvt. Ltd. in Bangalore which includes defining entire up approach and performed DCF valuation to arrive at
product roadmap, designing UI/UX of mobile login application and Credit & Ops web intrinsic value of stock. Drew insights on different revenue
drivers and flagged potential risks which the industry and
portal by wire framing, discussing API integration between LOS, middleware & LMS. company can face in near future.

Credit Policy Manager

L&T Finance (Head office, Mumbai) EDUCATION
05/2019 – 6/2021, PGDM (Financial Services)
Achievements/Tasks K.J. Somaiya Institute of Management and
Designing, implementing and monitoring Credit Policy norms for Research
Farm Equipment finance and conducting portfolio 05/2017 - 04/2019
governance and risk analysis on matrices and implementing action
items.
Preparing and publishing Portfolio Review deck for senior management for Work Experience
monthly reviews. Site Engineer
Drafting and documenting credit and business policy reports. Vishal Enterprises - (Hazira, Surat)
Analyzing customer repayment behavior, loan lending parameters and 07/2015 - 08/2016,
vintage charts to take strategic decision for better performance of Achievements/Tasks
business portfolio.
 Supervised two different teams while working on
Appreciated for stress testing the Bureau rule engine (BRE) and
two different projects on erection and
implementing credit guardrails in Farm digital sourcing application and fabrication 
Credit underwriting portal by working closely with Business, IT & EDW Team.
 Appreciated for installing and erecting ESP
Analyzing portfolio of branches, dealers and OEM models with high market module of a270MW Boiler plant. 
potential/ high delinquency for upgrading/downgrading product clubs and
 Supervised two different teams while working on
allowing/discontinuing business sourcing. two different projects on erection and
Defined and implemented new portfolio analysis matrices and crosstabs on fabrication.
Tableau dashboards.