Ajith T S Email and Phone Number
I am a seasoned Finance professional with 23 years of experience in Developmental and Commercial Banking. Holding dual certifications as a CFP and FRR, I've specialized in Project Appraisal, Financial Analysis, and Credit Risk Management, primarily focusing on SMEs and Infrastructure sectors.My career has been marked by a strong emphasis on sustainable finance and climate risk mitigation, particularly within the SME sector. I am known for my meticulous approach to risk assessment, encompassing comprehensive financial statement analysis, cash flow scrutiny, and precise credit risk assessments and ratings. With a strategic mindset, I have successfully crafted and executed Business Development Plans to enhance business volume while minimizing losses. My deep understanding of recovery practices and legal frameworks in the banking sector, including IBC and SARFAESI, has proven instrumental in navigating complex challenges. Throughout my career, I have demonstrated exceptional leadership and communication skills, orchestrated high-performing teams, and contributed significantly as a distinguished member of various Credit Committees. I am passionate about sustainable finance and have been actively involved in handling climate risk mitigation at both cluster and product levels. Currently, I am pursuing a certificate course on Sustainability and Climate Risk (SCR) from the Global Association of Risk Professionals (GARP), further enhancing my expertise in this critical domain.My Skills include Strategic Leadership and Team ManagementFinancial Analysis Cashflow Based FundingProject Financing AppraisalCredit Risk Rating & Pricing of CreditRisk Mitigation / Risk Management / Risk Migration Knowledge of Credit / Operational / Market Risk FrameworkDigital Lending & New Age Credit Channels / ProductsSustainability & Climate Risk Mitigation at Cluster / Product LevelMicro Credit / NBFC Operations Client Relationship ManagementCredit Follow-up and RecoveryStakeholder ManagementThorough Knowledge of MSME Ecosystem in India AnalyticalDetail OrientedCollaboratorOrganizer
Sidbi(Small Industries Development Bank Of India)
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Deputy General ManagerSidbi(Small Industries Development Bank Of India) Aug 2018 - PresentChennai, Tamil Nadu, IndiaI started as an Assistant Manager in Credit Analysis & Relationship Management and progressed to my current role as Deputy General Manager, reporting directly to the General Manager at the Regional Office in Chennai, my journey with SIDBI has been marked by notable achievements and contributions. My key deliverables include:• Leading Strategic planning and execution, where I have played a key role in developing and implementing strategic plans and initiatives across the credit dispensation cycle, from origination to recovery, including the management of the MFI/NBFC loan portfolio. • Monitoring industry trends, market conditions, and regulatory developments, to identify opportunities and risks and adjust strategies accordingly.• Implementing robust risk management strategies and controls that effectively mitigate credit, operational, and regulatory risks within the bank's operations.• Actively involved in identifying opportunities for business growth and expansion within the MSME sector, representing SIDBI in negotiations with high-value customers, government departments, regulators, NGOs, industry associations, and other key stakeholders.• Serving as a key member of the Credit Committee, providing expertise and insights into credit risk assessment and loan approval decisions • Played a pivotal role in cultivating and maintaining strong relationships with high-value customers and key stakeholders, acting as a primary point of contact and addressing their concerns with professionalism and integrity.• Monitoring key metrics, such as loan delinquency rates, portfolio yield, and credit losses, taking proactive measures to address any deviations from targets or expectations, and ensuring the sustainability and success of SIDBI's credit operations.• Leading and providing leadership, guidance, and mentorship to the credit delivery team, fostering a culture of excellence, collaboration, and continuous improvement.
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Asst. Gen. ManagerSidbi(Small Industries Development Bank Of India) Apr 2011 - May 2018• Monitoring key metrics, such as loan delinquency rates, portfolio yield, and credit losses, taking proactive measures to address any deviations from targets or expectations, and ensuring the sustainability and success of SIDBI's credit operations.• Leading and providing leadership, guidance, and mentorship to the credit delivery team, fostering a culture of excellence, collaboration, and continuous improvement.
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ManagerSidbi(Small Industries Development Bank Of India) Apr 2006 - Mar 2011
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Probationary OfficerSouth Indian Bank Nov 2000 - Aug 2001Mumbai, Maharashtra, IndiaIn my role at the Fort, Mumbai branch, I managed Deposit Accounts (CASA / Term Loans) and overdrafts and monitored Working capital limits. I ensured prompt and accurate handling of customer inquiries, transactions, and loan applications, fostering satisfaction. I contributed to the delivery of efficient banking services, upholding high standards of customer service and satisfaction
Ajith T S Education Details
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Finance, General -
Business Administration And Management, General -
First Class With Distinction
Frequently Asked Questions about Ajith T S
What company does Ajith T S work for?
Ajith T S works for Sidbi(Small Industries Development Bank Of India)
What is Ajith T S's role at the current company?
Ajith T S's current role is DGM - Credit Risk Appraisal & Ratings @ SIDBI | CFP and FRR Certified |Micro Credit/NBFCsSustainable Finance | Project Appraisal | Credit Risk Management | Financial Planning.
What schools did Ajith T S attend?
Ajith T S attended Liverpool Business School, Symbiosis Institute Of Business Management, Pune, University Of Kerala.
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