3
Rajiv Naresh
Chief Operating Officer & Head of Retail Lending
2020 – Present
6 years (current)
Key Decisions & Impact
Spearheaded the complete end-to-end automation of Navi's retail loan origination engine, establishing the zero-human-touch underwriting workflow that reduced median personal loan processing time from days to under 300 seconds. Oversees customer lifecycle operations, collection digital interfaces, and automated customer KYC onboarding.
Legacy
Scaled loan disbursements from a few hundred daily originations to thousands of automated daily transactions, maintaining an industry-leading cost-to-income ratio through technology-first operations.