Bharat Kashyap Email & Phone Number

Mumbai, Maharashtra

Mumbai Area, India

Senior role in Corporate & FI Credit Risk at BAML. Look after several top tier large and mid-sized local Indian corporates and local subs of global MNCs. Independently manage a portfolio of several billion dollars, including several large and complex relationships. Critically analyze and challenge business proposals with respect to clients’ credit profile, limit requirements, documentation T&C, and adherence to various internal and regulatory policiesProduct risk management for FX &… Show more Senior role in Corporate & FI Credit Risk at BAML. Look after several top tier large and mid-sized local Indian corporates and local subs of global MNCs. Independently manage a portfolio of several billion dollars, including several large and complex relationships. Critically analyze and challenge business proposals with respect to clients’ credit profile, limit requirements, documentation T&C, and adherence to various internal and regulatory policiesProduct risk management for FX & derivatives and GTS products. Involved in reviewing and formulating various GTS trade & treasury products across the regionInvolved in various policy, compliance & regulations-related issues impacting Indian banking operations, especially in relation to asset classification & regulatory-limits monitoring, and engage with regulator (RBI) during onsite inspections.Manage portfolio of CCPs (Central Clearing Counterparties) across Asia. Involved in credit underwriting & evaluation of CCPs. analysis of their PFMI adherence, analysis of their margining & default fund methodology and default waterfall, Legal Rulebook Reviews, and analysis of underlying products & their sensitivities. Actively engage with CCPs and participate in various industry fora like ISDA, FIA & ASIFMAHelped oversee implementation of IFRS9 (modeled + non-modeled approach) across legal entities in APACCarry out stress testing of entire APAC portfolio, both for Corporates & FIs. Stress on the portfolio wrt risk rating migrations & provisions / charge offs is analysed under various global, APAC- specific and country-specific scenariosInteract with senior and mid-level associates in Credit Risk, Market Risk, Wholesale Credit, CBK, GTS, GM, Ops, Middle Office, Compliance, Audit, Legal, Finance in India and across the region. Have made presentations across the region to varying audiences.Actively involved in Operational Excellence led process-improvement initiatives in the organization Show less

Mumbai Area, India

Manage portfolio of CCPs (Central Clearing Counterparties) throughout Asia. 'Am involved in credit underwriting & evaluation of CCPs. analysis of their PFMI adherence, analysis of their margining & default fund methodology and default waterfall, review of Legal Rulebook Reviews, and analysis of underlying products and their sensitivitiesActively engage with CCPs to understanmd the direction in which they are going, and also actively participate in various industry fora like ISDA, FIA &… Show more Manage portfolio of CCPs (Central Clearing Counterparties) throughout Asia. 'Am involved in credit underwriting & evaluation of CCPs. analysis of their PFMI adherence, analysis of their margining & default fund methodology and default waterfall, review of Legal Rulebook Reviews, and analysis of underlying products and their sensitivitiesActively engage with CCPs to understanmd the direction in which they are going, and also actively participate in various industry fora like ISDA, FIA & ASIFMAI am also the approver for various GTS product related exceptions across the region Show less

Mumbai

Manage large Indian Bank & FI accounts (total portfolio >$2 Bn) including several large Key Risk large & complex relationships from banking, NBFC, asset management and insurance sectorsAm responsible for credit underwriting, credit documentation (including ISDAs, syndications transactions, USCP transactions) and coordination across various groups (banker, products, traders, syndications, risk, operations, legal, compliance, client delivery). Work involves analyzing financial profile… Show more Manage large Indian Bank & FI accounts (total portfolio >$2 Bn) including several large Key Risk large & complex relationships from banking, NBFC, asset management and insurance sectorsAm responsible for credit underwriting, credit documentation (including ISDAs, syndications transactions, USCP transactions) and coordination across various groups (banker, products, traders, syndications, risk, operations, legal, compliance, client delivery). Work involves analyzing financial profile of clients (CAMELS analysis), risk rating clients, recommending appropriate level of exposure, assessing profitability of client relationships / transactions, preparing & approving credit underwriting documents, and periodic review of client / industry profileHave to interact with people of various nationalities across time zones during the course of the work. Work also involves periodic interaction with clients.Am experienced in various BAML proprietary tools, as well as various external tools (HSF, Bloomberg, etc.)In the past, have also worked on other geographies like Indonesia, Vietnam, Japan & Philippines.Am also responsible for non standard transaction approvals for GTS across Asia. Have also done a short-term (4m) stint at the Hedge Fund Credit Risk team in Hong Kong Show less

Mumbai Area, India

Independently manage large Indian Bank & FI accounts (total portfolio >$2 Bn) including several large Key Risk large & complex relationships from banking, NBFC, asset management and insurance sectorsAm independently responsible for credit underwriting, credit documentation (including ISDAs, syndications transactions, USCP transactions) and coordination across various groups (banker, products, traders, syndications, risk, operations, legal, compliance, client delivery). Work involves… Show more Independently manage large Indian Bank & FI accounts (total portfolio >$2 Bn) including several large Key Risk large & complex relationships from banking, NBFC, asset management and insurance sectorsAm independently responsible for credit underwriting, credit documentation (including ISDAs, syndications transactions, USCP transactions) and coordination across various groups (banker, products, traders, syndications, risk, operations, legal, compliance, client delivery). Work involves analyzing financial profile of clients (CAMELS analysis), risk rating clients, recommending appropriate level of exposure, assessing profitability of client relationships / transactions, preparing & approving credit underwriting documents, and periodic review of client / industry profileHave to interact with people of various nationalities across time zones during the course of the work. Work also involves periodic interaction with clients.Am experienced in various BAML proprietary tools, as well as various external tools (HSF, Bloomberg, etc.) In the past, have also worked on other geographies like Indonesia, Vietnam, Japan & Philippines.Have attended a two-week Basic Credit Training at Charlotte, USA with about 50 participants from various countries all over the world. Was the only participant from India.. Was sent to Sydney for 2 weeks in Jan-2010 to onboard newly inducted colleagues there. Have attended week-long derivatives training by Fitch in Hong Kong Show less

Assistant Manager in SME / Corporate Credit Risk Management Group (CRMG) in ICICI Bank; was reporting directly to the General Manager of the Group.The job entailed evaluating the credit risk and assigning a credit rating to proposals submitted by SMEG, the Corporate Banking Group, the Project Finance Group, Rural Micro-banking & Agribusiness Group and the Stressed Assets Management Group.Work involved included assessment of both the financial & non-financial (promoters, business… Show more Assistant Manager in SME / Corporate Credit Risk Management Group (CRMG) in ICICI Bank; was reporting directly to the General Manager of the Group.The job entailed evaluating the credit risk and assigning a credit rating to proposals submitted by SMEG, the Corporate Banking Group, the Project Finance Group, Rural Micro-banking & Agribusiness Group and the Stressed Assets Management Group.Work involved included assessment of both the financial & non-financial (promoters, business model, industry, banking history) parameters & recommending the rating along with the desired level of exposure on the client. Solving proposals from SMEs also involved consideration of parameters peculiar to SME clients.If necessary specific covenants and structures would be incorporated into proposals in order to achieve the desired level of credit enhancement. Occasional unit visits were also undertaken both pre- and post-disbursement to get a better understanding of the working of both the industry in general as well as of the specific unit in particular.For SME Risk, was looking after emerging corporates, auto dealers, construction, pharmaceuticals, securitization of credit card receivables and vendor & distributor financing clusters. The work entailed solving proposals associated with the clusters, tracking the portfolio performance of these clusters, devising new programs for parameterized lending and periodic reviews & tweaking of the programs being run by these clusters. Total size of portfolio being handled was Rs. 10.00 bn (approximately).For Corporate Risk, handled paper, auto ancillary & NBFC verticals. Work associated with tracking sectors includes solving proposals from these sectors, making regular updates for the sectors, keeping track of the latest developments in the sectors and analyzing the impact of the union budget on the sectors Show less