1. Team Leadership and Process Improvement: Led a team to support the credit transaction management process, including the migration of credit transaction management processes from Hong Kong and Malaysia sites to India. Identified process gaps, proposed system enhancements, and introduced methodologies to better serve clients and reduce risk. Promoted a culture of accountability, discipline, and continuous improvement.2. Documentation and Compliance Management: Managing and validating Facility Documents to ensure they comply with credit decisions and legal requirements. Monitoring fulfilment of conditions precedent and subsequent, handling document waivers, and ensuring timely collection of various fees.3. Risk Data Integrity and Reporting: Certifying and validating risk data in systems like Atlas II, RGM, CAT, and CRF to ensure accuracy in relation to credit decisions and guarantor records. Regularly reporting anomalies in legal documentation, alerting management on risk profile drifts, and maintaining data integrity and quality.4. Covenant and Credit Monitoring: Overseeing the management and testing of covenants using the Covenant Manager tool to ensure they conform with executed agreements. Monitoring genuine excesses and exceptions, preparing control checklists, and generating data control reports.5. System Maintenance and Enhancement: Inputting and updating credit risk data, overdraft rates, and FX limits based on credit approvals. Contributing to system enhancements and control report improvements through UATs. Participating in Business Continuity Plan (BCP) and Wide Area Disaster Testing (WADI). Engaging in local, regional, and global projects, including regulatory and IG audits, ensuring robust operational controls.

1. Credit Agreement Execution: Facilitated the issuance and validation of Credit Agreement documents, ensuring compliance with Approved Term Sheet stipulations and pre/post disbursal covenants. Coordinated closely with Relationship Managers to resolve document-related queries.2. Security and Collateral Management: Oversaw the stamping, collection, and validation of securing documents, including FD lien marking and CERSAI registration. Managed the compliance and Monitoring: Monitored security deferrals and followed up with Relationship Managers for security perfection. Handled Form CHG4 verification, CERSAI modifications, and satisfaction of charges. Ensured insurance coverage for hypothecated stocks and mortgaged properties met bank requirements.4. Audit and Reporting: Addressed concurrent, internal, legal, system, and RBI audit queries efficiently. Prepared fortnightly and monthly MIS reports for authorities and regional offices. Drafted and executed letters of revival, end-use confirmations, and penalty letters for overdue documents.

1. Credit Operations Expertise: Proficient in credit risk assessment and monitoring for both individual and corporate clients within Wholesale Banking Division, ensuring compliance with global standards and regulatory requirements. Collaborates closely with Relationship Managers to facilitate seamless Credit processes and compliant credit evaluations for corporate clients.