Agarwal is a qualified Chartered Accountant, Cost Accountant and MBA Finance with
around 2 decades of experience across multiple industries, viz. Financial, Equipment,
Construction, Education, Infrastructure, Textile, etc. He has spearheaded numerous domains
like Credit/ Risk, Sales, Business Development, Loan Origination, Relation Management, Legal,
IT, IT Applications, Digital Marketing, etc. He is known for his work with the State Bank of India,
Kotak Mahindra Bank and Citibank across multiple divisions and geographies.
Specialized in designing and testing the risk efficacy of the portfolio
(including formulating policies on Risk Management Framework and Loan Products),
Mr- Agarwal was heading the Risk and Audit function at Poonawalla Finance.
He has also played an instrumental role in automating multiple processes across a borrower’s
digital loan journey to reduce manual intervention and errors.
This step has helped in improving the overall efficiency of resources and TAT for decision.
With his expertise in multiple domains across various lending products,
like Project Finance, Trade Finance, Working Capital, Retail and Commercial Lending, he provides
continued education and advice to different business units and teams, including the board of directors,
senior management, staff, and employees on compliance and risk assessment. His continuous engagement
with multiple divisions across the organization has helped iron-out issues and challenges to
ensure the smooth processing of tasks.