Bhagawan Rajale

Experience

• 

  Rashtriya Chemicals & Fertilizers Ltd.

  Jul 1990 - Jun 1994

  Industrial Engineer
• 

  Anagram Finance Ltd

  Jul 1996 - Mar 1999

  Branch Manager
• 

  ICICI Bank

  Apr 1999 - Mar 2014

  Strategic Alliances for Retail Banking Group with ICICI Bank Ltd. The job role involved- Plan/execute alliances strategies for complete Retail Banking businesses- Alliances for new customers acquisition and usage of spends through credit cards, debit cards, prepaid cards and net banking payment channels.- Manage team of professionals and support business to achieve customer acquisition, spends and revenue targets

  • Head Strategic Alliances,Retail Banking Group

    Apr 2011 - Mar 2014

  • Product Credit Head, SME Policy & Risk, Regional Credit Manager, Area Sales Manager

    Apr 1999 - Jun 2011
• 

  ICICI Bank

  Apr 2019 - now

  National Credit Manager

  • Credit Head for consumer Credit Cards Portfolio & responsible for achieving two fold disbursement of Personal Loans on Credit Cards (PLCC)• Credit underwriting, portfoilo management & Credit Cards credit process management. Driving technology integration projects for retail cards processing, PLCC and portfolio activities. • Implemented ‘Paperless Credit Processing for PLCC & Portfolio’ activities to increase CPA productivity & cost rationalization.. Scorecard model development for application & behavior scoring, using these scores for credit underwriting of new application and PLCC respectively, SAS programming, stastical analysis & predictive modeling.. Leading project for automation of PLCC underwriting process Show less