Ojas Mody - Head of Credit & Risk
Professional Overview
Ojas Mody is an experienced financial services professional with a strong background in credit and risk management. As the Head of Credit & Risk at mannjal, he is responsible for overseeing the organization's credit approval processes, risk management strategies, and portfolio monitoring initiatives.
Experience Summary
Current Role
As the Head of Credit & Risk at mannjal, Ojas is accountable for developing and implementing robust credit policies, streamlining risk assessment procedures, and ensuring effective portfolio management. Under his leadership, the organization has achieved a 25% reduction in non-performing assets and a 20% improvement in overall credit quality.
Career Progression
Prior to his current role, Ojas served as the Assistant General Manager of Fintech at Arzooo, where he played a pivotal role in scaling the company's financial services offerings. He has also held senior positions at Capital Float, including Senior Risk Manager and Regional Credit Manager, where he contributed to the company's growth and risk mitigation strategies.
Earlier in his career, Ojas worked as a Credit Manager at ICICI Bank, where he honed his skills in credit analysis, underwriting, and portfolio monitoring. Additionally, he gained valuable experience as a Print Editor at Aadityavat, the e-magazine of the Ahmedabad Branch of WICASA.
Academic Background
Ojas holds a Bachelor's degree in Commerce from the University of Mumbai, with a specialization in Finance. During his academic years, he demonstrated strong analytical and problem-solving abilities, earning him recognition as a top performer in his class.
Areas of Expertise
- Credit risk assessment and management
- Fintech and digital lending solutions
- Portfolio optimization and non-performing asset recovery
- Financial analysis and underwriting
- Regulatory compliance and risk management
- Effective team leadership and stakeholder management
Professional Impact
Throughout his career, Ojas has made significant contributions to the organizations he has worked with. At Capital Float, he played a key role in developing and implementing innovative credit models that led to a 30% increase in loan portfolio size and a 15% reduction in default rates. At Arzooo, he spearheaded the launch of a new digital lending platform that has since onboarded over 1,000 small and medium-sized businesses.
Conclusion
With his extensive experience in credit and risk management, coupled with his strong leadership skills and strategic vision, Ojas Mody is well-positioned to drive the continued success and growth of mannjal's credit and risk management operations. His commitment to excellence and proven track record of delivering measurable results make him a valuable asset to the organization.
