---
title: "Niti Vijay Patankar - Senior Executive - Operational Risk Management(ORM) - Enterprise Wide in Mumbai Metropolitan Region | Tal"
description: "Meet Niti Vijay Patankar, Senior Executive - Operational Risk Management(ORM)- Enterprise Wide based in Mumbai Metropolitan Region."
image: "https://tal.club/meet/niti-vijay-patankar/share-image"
---

# Niti Vijay Patankar on Tal

## Headline

Senior Executive \- Operational Risk Management\(ORM\)\- Enterprise Wide

## About

Currently working in the Operational Risk Management function, reporting to the Operational Risk Head, with end\-to\-end ownership of designing and implementing risk governance frameworks across business units\. Let's connect to explore opportunities to drive growth and mitigate risk together\."

## Location

Mumbai Metropolitan Region

## Work experience

Senior Executive \- Operational Risk Management\(ORM\) \- Enterprise Wide at PayU, Jul 2025 \- Present · 10 mos, Mumbai, Maharashtra, India, Assisting for the setup of RCSA \(Risk & Control Self\-Assessment\) framework across all departments Defining and tracking KRIs \(Key Risk Indicators\) for early warning signals and functional risk reporting Identifying process\-level operational risks and control gaps through cross\-functional process mapping and stakeholder discussions Designing and reviewing internal control mechanisms, risk mitigation plans, and audit\-readiness checklists Coordinating with internal stakeholders to ensure risk incidents are reported, documented, and closed with RCA Supporting compliance alignment with internal audits, regulatory standards, and business continuity policies\.

Senior Credit Underwriter \- SMB Lending & Personal Loans at PayU, Jan 2024 \- Jun 2025 · 1 yr 6 mos, Mumbai, Maharashtra, India, Handling SMB business underwriting for the Meesho platform under the EDI and Term Loan program, setting credit limits from ₹1 lakh to ₹15 lakh with NCM approvals\. Maintained an average approval rate of 59\.41% \(April – Sept 2024\) while reviewing 30–35 cases monthly, identifying discrepancies, and ensuring timely corrections\. Managed 3,062 cases across all DPD buckets, maintaining an overall DPD percentage of 0\.38% to ensure strong portfolio health\. Conducted high\-quality case reviews and audits, ensuring accurate underwriting decisions while analyzing BRE results for risk assessment and decision accuracy\. Worked with the Product Team to develop an in\-house delinquency dashboard for the Credit Team, enhancing risk monitoring and decision\-making\. Contributed to the Underwriter Tele PD module, providing feedback on improvements, error identification, and operational enhancements\. Led discussions on CPV \(Contact Point Verification\) errors, ensuring agencies implemented corrective actions for improved verification accuracy\. Underwrote personal loans, balance transfers, and repeat customer credit evaluations, ensuring portfolio profitability and risk mitigation\. Assessed new\-to\-credit \(NTC\) borrowers and managed underwriting strategies for Lazy Pay and SMB lending portfolios, strengthening risk frameworks\.

Senior Credit Underwriter at LiquiLoans, Jan 2023 \- Dec 2023 · 1 yr, Mumbai Metropolitan Region, Independently underwrote 25–30 cases daily, with ticket sizes between 4 lakh to 15 lakh, ensuring TAT compliance\. Managed a team of junior underwriters, conducting daily meetings to address live credit case queries and process improvements\. Supervised junior underwriters reviewing applications up to 4 lakh under supervisory pending mode\.

Credit Underwriter at LiquiLoans, Dec 2021 \- Dec 2022 · 1 yr 1 mo, Mumbai, Maharashtra, India, Evaluated and approved Real Estate, Personal, Two\-Wheeler, and Consumer Loans for top\-tier institutions such as Livspace, SolarSquare, Shapoorji Pallonji, Indira IVF, VLCC, UpGrad, Simplilearn, Orra, etc\. Leveraged tools such as Mifos X, LMS, Banking Analyzer, Zauba, and IndiaMART to conduct credit risk assessments, document verification, and streamline loan approvals\. Compiled monthly bounce reports, performed quality checks on dealers, institutions, and lead quality, and analyzed book debts\.

Back Office Executive at Andromeda Sales & Distribution Pvt Ltd, Oct 2020 \- Nov 2021 · 1 yr 2 mos, Mumbai, Maharashtra, India, Processed, reviewed, and closed loan proposals for Personal, Business \(SMEs\), Self\-Employed Professionals, Non\-Professionals, and Housing Loans, working with NBFCs and top\-tier banks\. Assisted senior credit officers with high\-value loan applications, ensuring regulatory compliance and data confidentiality\. Maintained strict confidentiality of bank records and client information\. Submitted loan applications to underwriter for verification and recommendations\. Monitored and tracked loan pipelines, ensuring seamless processing of 10\+ applications daily\.

Relationship Manager at HDFC securities, Aug 2019 \- Jan 2020 · 6 mos, Thane, Maharashtra, India, Planned portfolio solutions after carefully analyzing client's financial health and future requirements\. Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services\. Communicated regularly with clients to understand needs, evaluate current product use and cross\-sell new products\. Conducted portfolio reviews with technical and fundamental analysts, optimizing investment strategies for clients\. Managed a portfolio of 3,000\+ retail and HNI clients, ensuring superior financial advisory and cross\-functional sales\.

## Education

Level 1 Qualified, Enterprise Risk Management, Institute of Risk Management

PGDM in Finance, Finance, General, Welingkar Institute of Management

[View the original profile](https://tal.club/meet/niti-vijay-patankar)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/niti-vijay-patankar#person",
      "name": "Niti Vijay Patankar",
      "url": "https://tal.club/meet/niti-vijay-patankar",
      "description": "Meet Niti Vijay Patankar, Senior Executive - Operational Risk Management(ORM)- Enterprise Wide based in Mumbai Metropolitan Region.",
      "jobTitle": "Senior Executive - Operational Risk Management(ORM) - Enterprise Wide",
      "worksFor": {
        "@type": "Organization",
        "name": "PayU"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Senior Executive - Operational Risk Management(ORM) - Enterprise Wide"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Mumbai Metropolitan Region"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Institute of Risk Management"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Welingkar Institute of Management"
        }
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/niti-vijay-patankar#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/niti-vijay-patankar#webpage",
      "url": "https://tal.club/meet/niti-vijay-patankar",
      "name": "Niti Vijay Patankar on Tal",
      "description": "Meet Niti Vijay Patankar, Senior Executive - Operational Risk Management(ORM)- Enterprise Wide based in Mumbai Metropolitan Region.",
      "dateModified": "2026-06-10T13:55:49.206Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/niti-vijay-patankar#person"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```