Credit Monitoring & EWS Manager Roles and responsibilities:- Conducting EWS Level 2 reviews of borrowers every month for identification of probable RFA and Fraud Cases which includes analysis of the borrower’s financials, EWS triggers (both RBI and bank’s internal triggers), and other indicators.- Identifying borrowers under financial stress and suggesting remedial measures.- Preparing detailed notes for presentation to Joint EWS Forum… Show more Credit Monitoring & EWS Manager Roles and responsibilities:- Conducting EWS Level 2 reviews of borrowers every month for identification of probable RFA and Fraud Cases which includes analysis of the borrower’s financials, EWS triggers (both RBI and bank’s internal triggers), and other indicators.- Identifying borrowers under financial stress and suggesting remedial measures.- Preparing detailed notes for presentation to Joint EWS Forum and Fraud Management Committee of the Bank.- Designated SPOC for all HR related activities of Wholesale Credit Risk function including headcount and transaction budgeting. Show less

Roles and responsibilities:- Conducting annual/periodic reviews of Credit Policies of the Bank based on proactive portfolio analysis, regulatory requirements, directions from the Board/Senior management.- Liaising with credit, business, operations and other risk teams to develop policy and operational procedures.- Automation of credit policy in the loan origination/processing system which includes discussions with the vendor and other internal stakeholders such as credit, business… Show more Roles and responsibilities:- Conducting annual/periodic reviews of Credit Policies of the Bank based on proactive portfolio analysis, regulatory requirements, directions from the Board/Senior management.- Liaising with credit, business, operations and other risk teams to develop policy and operational procedures.- Automation of credit policy in the loan origination/processing system which includes discussions with the vendor and other internal stakeholders such as credit, business, IT BSG, and operations teams.- Conducting internal process reviews of verticals in the Wholesale Credit Risk team. Show less

Roles and responsibilities:Credit Manager:• Handled business and project loans, non-fund based credit such as bank guarantees and line ofcredit for SMEs and Corporates.• Responsible for handling the corporate (B2B) portfolio for the bank.• Managed complete credit cycle including - evaluation, appraisal, sanctioning & monitoring.• Prepared credit scoring model to determine the risk involved in lending proposals.• Preparing detailed credit proposals for the… Show more Roles and responsibilities:Credit Manager:• Handled business and project loans, non-fund based credit such as bank guarantees and line ofcredit for SMEs and Corporates.• Responsible for handling the corporate (B2B) portfolio for the bank.• Managed complete credit cycle including - evaluation, appraisal, sanctioning & monitoring.• Prepared credit scoring model to determine the risk involved in lending proposals.• Preparing detailed credit proposals for the consideration of appropriate credit committees at thebank.• Performed Commercial and Financial Due Diligence, for business and project loans.! Assessed financial statements, credit history and previous track record of the businessentity, its promoters and the management of the Company.! Evaluated detailed project reports and business models to highlight the associated risks andopportunities.! Prepared financial forecasts, benchmarked the assumptions, and identified the key driversof profitability.! Performed DCF, ratio and sensitivity analysis to determine the financial viability of projects.Team/Credit Operations Management:• Led a team of 5 credit analysts, managed operations for 200+ commercial banking with totalportfolio size of Rs. 3000+ crores.• Monitored the performance of all credit facilities in my portfolio regularly to avoid slippages andensuring timely repayments.• Maintained excellent audit rating; ensured compliance of regulatory guidelines and auditobservations.Achievements:• Received employee of the month certificate from the Zonal Manager on 3 occasions for highestcredit disbursements and NPA recovery.• Rewarded with a fast track promotion from Credit Officer to Credit Manager.• Assigned as mentor to 2 newly recruited credit officers. Show less

Roles and responsibilities:▪ Carrying out risk assessment of prospective and existing mid and large corporate borrowers based on their credit history, financial performance, on-site visits, and conduct of their accounts.▪ Carrying out credit ratings of both existing and prospective corporate clients using the Bank’s internal rating application.▪ Preparation of proposals for periodic reviews of existing facilities as well as for sanction of new credit facilities, both fund and… Show more Roles and responsibilities:▪ Carrying out risk assessment of prospective and existing mid and large corporate borrowers based on their credit history, financial performance, on-site visits, and conduct of their accounts.▪ Carrying out credit ratings of both existing and prospective corporate clients using the Bank’s internal rating application.▪ Preparation of proposals for periodic reviews of existing facilities as well as for sanction of new credit facilities, both fund and non-fund based.▪ Monitoring of the credit facilities granted to clients, and ensuring compliance with RBI & other regulatory guidelines. Show less

Role and responsibilities:- Creating financial models based on Generally Accepted Accounting Principles (GAAP) standards- Updating Income Statement, P&L & Cash flow Statements for stocks belonging to the North American Region in their respective models- Carry out valuation of the company based on the financial model built using relative and discounted cash flow (DCF) valuation techniques

Successfully completed a two month Summer Internship at Bank of India, Mumbai in its Treasury Branch along with a research project in the Corporate Bond Market in India with the following key objectives:• Analysis of the corporate bond market in India with special emphasis on the lack of liquidity in the secondary market. • Study the reasons behind the small amount of corporate bond issues that take place in India while understanding the mentality of the corporates for using… Show more Successfully completed a two month Summer Internship at Bank of India, Mumbai in its Treasury Branch along with a research project in the Corporate Bond Market in India with the following key objectives:• Analysis of the corporate bond market in India with special emphasis on the lack of liquidity in the secondary market. • Study the reasons behind the small amount of corporate bond issues that take place in India while understanding the mentality of the corporates for using traditional methods of financing such as bank loans. Show less

Completed a two month Summer Internship with special focus on the Micro-insurance sector in India.