anil kumar
@anilkumar28
Senior Product Manager at Perfios who improved bank statement categorisation accuracy by 95% and cut lender underwriting TAT by 2 days.
IndiaWhat I'm looking for
At Perfios Software Solutions Pvt. Ltd., I own the strategy, roadmap and delivery for financial risk and credit assessment products used by banks and NBFCs. The suite includes Bank Statement Analysis, Salary Slip, ITR, KYC and Fraud Check Unit.
I led Bank Statement Analysis capabilities that improved transaction categorisation accuracy by 95% and cut lender underwriting TAT by 2 days through fraud and financial health checks delivered within minutes. I also drive API and data integrations that bring identity, KYC and financial data into CAM and credit decisioning workflows.
Before Perfios, I worked as a Credit Manager at HDFC Bank and ICICI Bank, making lending decisions and monitoring portfolio risk. At HDFC Bank, I designed a structured account-review process to identify high-risk accounts early; at ICICI Bank, I was nominated for the Eagle Eye award for fraud detection.
Experience
Work history, roles, and key accomplishments
Senior Product Manager
Perfios Software Solutions Pvt. Ltd.
Apr 2022 - Present (4 years 5 months)
Own product strategy, roadmap and delivery for Perfios' financial risk and credit assessment suite, including Bank Statement Analysis, Salary Slip, ITR, KYC, and Fraud Check Unit. Improved transaction categorisation accuracy by 95% and cut lender underwriting TAT by 2 days through fraud and financial health checks.
Credit Manager
HDFC Bank
Mar 2019 - Mar 2022 (3 years)
Owned end-to-end credit underwriting for Auto Loan and Super Bike portfolios, assessing financials, credit history, income, repayment capacity, and banking behaviour. Designed a structured account-review process to identify high-risk accounts early and reduce early delinquency.
Credit Manager
ICICI Bank
May 2017 - Mar 2019 (1 year 10 months)
Made underwriting and approval decisions on Credit Card and Personal Loan applications against credit policy and risk parameters. Assessed creditworthiness using CIBIL and bureau reports, and was nominated for the Eagle Eye award for fraud detection.
Education
Degrees, certifications, and relevant coursework
Indus Business Academy
Post Graduate Diploma in Management, Finance & Marketing
2015 - 2017
Post Graduate Diploma in Management with focus on Finance and Marketing.
SV Degree College (ANU)
Bachelor of Commerce, Commerce
2011 - 2014
Bachelor of Commerce degree from SV Degree College, affiliated with Acharya Nagarjuna University.
NIBM
Certified Credit Analyst, Credit and Risk Analysis
Certified Credit Analyst and Credit and Risk Analysis certification.
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
Job categories
Interested in hiring anil?
You can contact anil and 90k+ other talented remote workers on Himalayas.
Message anilGet matched with your dream remote job
Sign up now and join over 250,000+ remote workers who receive personalized job alerts, curated job matches, and more for free!
