Saroj Kumar Dash

Saroj Kumar Dash

Pune, Maharashtra, India
2K followers 500+ connections

About

I am seasoned professional in the field of finance and lending. A Post Graduate in…

Services

Contributions

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Experience

  • Auxilo Finserve Private Limited Graphic

    Auxilo Finserve Private Limited

    Pune, Maharashtra, India

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    Pune, Maharashtra, India

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    Pune Area, India

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    Raipur Area, India

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    Kolkata Area, India

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    Odisha

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    Odisha

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    Odisha-Cuttack

Education

Licenses & Certifications

Publications

  • Blockchain in Mortgages – Adopting the New Kid on the Block

    Banking Exchange

    The world is fast progressing within the technology domain and digital services have penetrated to the unexplored corners of life. Post the pandemic the banks and other financial institutions have increased the push on digital channels for acquisition and customer servicing. Some of the key characteristics of a Blockchain: Distributed: The information is stored across multiple nodes across the network. Blockchain characterizes immutability in recording transactions and works on a shared network…

    The world is fast progressing within the technology domain and digital services have penetrated to the unexplored corners of life. Post the pandemic the banks and other financial institutions have increased the push on digital channels for acquisition and customer servicing. Some of the key characteristics of a Blockchain: Distributed: The information is stored across multiple nodes across the network. Blockchain characterizes immutability in recording transactions and works on a shared network which eliminates the need of an intermediary. On a Blockchain, the members are the owners and no third party is liable for maintaining the record. Whenever a member records a transaction, it's verified by consensus of the members on the network. Decentralised storage eliminates the threat of hacking and data breaches and also brings down the value of access for the members. The accuracy and authenticity are difficult to determine.
    Every industry today is witnessing a serious shift in the way data is collected, managed, stored and disseminated. There are many more blockchain use cases in the finance industry and as we progress on the path of innovation we will have more use for blockchain.

    See publication
  • Housing Loan disbursement in India: Suggestive metrics to prevent bad debts

    International Journal of Management, IT and Engineering

    One of the most important factors in credit processing is to understand the need of the customer before actually processing of the loan. This is true for every kind of loan. Since the point of discussion of this paper is only of housing loan, we would adopt a perspective towards this type of loan only. The sub prime crisis in the United States has shown the entire world the fallout, which the mortgage market can create when the lending goes wrong. It has thus become imperative for each and…

    One of the most important factors in credit processing is to understand the need of the customer before actually processing of the loan. This is true for every kind of loan. Since the point of discussion of this paper is only of housing loan, we would adopt a perspective towards this type of loan only. The sub prime crisis in the United States has shown the entire world the fallout, which the mortgage market can create when the lending goes wrong. It has thus become imperative for each and every country to review their policies towards the same. Taking a leaf further, each and every company, be it a Non-Banking Financial corporation (NBFC) or a bank in each of the countries involved in the business of lending mortgage loans also took stock of their policies and terms & conditions. Critics and some experts might argue that given the technologically advanced systems in place to do credit scoring, it is enough to have certain set of quantitative parameters to do a check. The parameters, which are discussed in the credit scoring software, are primarily quantitative parameters and some qualitative features whose measurements are also quantified.

    Other authors
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Honors & Awards

  • Top 100 Great People Manager -2021

    Great Manager Institute

  • Achievers Award

    Religare Finvest limited

  • Outstanding Performer

    Religare Finvest limited

Languages

  • English

    Full professional proficiency

  • Hindi

    Professional working proficiency

  • Odia

    Professional working proficiency

  • Bengali

    Elementary proficiency

Organizations

  • RELIGARE FINVEST LIMITED

    SVP -Product & Strategy

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  • ICICI BANK LIMITED

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  • AXIS BANK LIMITED

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  • HDFC LTD

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