I am an accomplished professional delivering over 14 years of rich and extensive Global banking career success in Credit Management, Credit Risk Management, Credit Underwriting, Relationship Management & so on. My dexterity lies in managing credit functions concerning Working Capital, Trade Finance, Project Finance on the Corporate Banking side and Loan Against Property, Home Loan on Retail Banking side. Demonstrated excellence in adhering to the regulatory compliances in the bank & implementing business turnaround strategies. - Built the sales team & DSA Channel for Retail Operations of GCC territory. - Awarded for ‘Outstanding Performance’ in Retail Lending portfolio, twice from MD & CEO of Bank of Baroda in a stint of 3 years; increased Retail Business to 4X during the period of 3 years for the GCC Territory.- Excellent at developing business development procedures, service standards, operational policies, andguidelines.
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Chief ManagerBank Of Baroda Oct 2021 - Dec 2023- Performing Credit Underwriting, Balance Sheet Analysis, and Ratio Analysis, Working Capital / Term Loan analysis/ Credit Risk Analysis- Verifying Internal rating of the borrowers- Structuring transactions, Term Sheet Finalization & deals on pricing and collaterals- Analyzing credit quality, controlling delinquencies and mitigating frauds, thereby contributing in quality portfolio leading to a healthy profitability- Steering board note with detailed financial analysis and cash flows of customers; collaborating with HO Team, colleagues in other regions for market updation.- Evaluating & counter checking information of customers for accuracy & authenticity, and revising information in case of any discrepancy -
Head - Retail BankingBank Of Baroda (Gcc Operations, Uae) Apr 2018 - Sep 2021United Arab Emirates- Conceptualized and lead the the implementation of Retail Banking vertical setup in GCC Terriotry with direct reporting to Territory Head. - Increased the Retail Lending book size from AED 480 Mn to AED 1800 Mn in a span of 3 years.- Designed products and lead their implementation. Credit Risk Assessment, RCSA, Credit Monitoring of portfolio.- Relationship Management and liaison with top retail customers of territory to increase the size of business with Bank.- Formulated policies and Consumer Protection Guidelines for GCC Operations.- Presented the policies and growth strategies in Senior Management meetings.- Set up the sales team channel and DSA channel for the entire territory.- Ensured overall health of retail asset portfolio of the bank.
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Chief ManagerBank Of Baroda (Gcc Operations, Uae) Oct 2016 - Mar 2018United Arab Emirates- Worked as part of Corporate Credit underwriting team (for both Working Capital & Project Finance)- Sourced fresh leads, meetings with existing customer for increasing the share in business. Negotiations on terms and conditions of sanction, collateral coverage and so on- Administering prudent credit decision & sanctioning proposal based on available information & interactions with applicants- Engaging with customers at their business place and analyzing their financial potentiality
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Senior ManagerBank Of Baroda Apr 2015 - Sep 2016New Delhi, Delhi, India- Worked as Relationship Manager of 45 Branches of New Delhi region- Steering risk analysis of the credit portfolio geography wise, product wise and customer wise to monitor the level of credit risk borne by the company- Played a key role as the Nodal officer for 45 branches for retail credit, corporate credit, MIS reporting & credit monitoring- Devising an integrated credit risk management framework; ensuring assessment of credit risk operations and reporting on any process deviations; taking risk mitigation measures. -
Senior ManagerBank Of Baroda Apr 2013 - Mar 2015New Delhi, Delhi, India- Worked as Relationship Manager of 25 Corporate Accounts of Branch -
ManagerBank Of Baroda Jun 2009 - Mar 2013New Delhi, Delhi, India- Worked as Relationship Manager of 18 Large Corporate Accounts of Branch including syndicated loans- Addressing customer’s requirements and converted them into profitable business for Bank.- Due diligence on customer and transactions.- Underwriting credit proposals (Working Capital & Project Finance), legal documentation, MIS, LC/BG issuance.- Credit Risk Assessment, Credit Monitoring.- Carrying out Internal Rating of the borrowers.- Structuring of transactions, Term Sheet Finalization, Negotiations on Pricing/ collateral
Bhuvan, Mba Education Details
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Finance & Marketing -
Pursuing -
Gpa 4.0 (President'S Honour List) -
Architecture, Design, Construction -
Science -
Misc
Frequently Asked Questions about Bhuvan, Mba
What is Bhuvan, Mba's role at the current company?
Bhuvan, Mba's current role is Banking, Relationship Management, FinTech, Credit Risk Management, Corporate Lending, Retail Lending, Financial Analysis.
What schools did Bhuvan, Mba attend?
Bhuvan, Mba attended Indian Institute Of Management, Kozhikode, Seneca Polytechnic, Seneca Polytechnic, School Of Planning And Architecture, New Delhi, Kendriya Vidyalaya, Kendriya Vidyalaya.
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2yahoo.com, td.com
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Bhuvan Kanwal Oberoi PMP®, CSM®, MBA, MSF, PGDFM, B Com (H)
Project Control Officer | Intermediate Project Manager | Banking And FinanceGreater Toronto Area, Canada
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