Assistant Vice President

• Oct 2021 - Present

 Credit Risk evaluation of prospective automobile dealers in the Auto/Two-Wheeler/Construction Equipment/Construction vehicle domain on PAN India basis for fund based exposure like Cash Credit, Term Loans, Trade Advances, Inventory Finance and non-fund exposure line Bank guarantee. Individual loan sanctioning authority upto Rs.50 Mn  Preparation of detailed proposal notes/credit memo & make presentation to credit sanctioning committees to facilitate credit approval as per bank’s internal policy.  Assessment of the feasibility of proposed transaction/facilities from industry, management, business & financial risk perspective respectively.  Ensure strict implementation of product policies to ensure high quality of retail portfolio whilst meeting the target TAT  Focused house-keeping management including regular follow up on clearance of deferrals/covenants (post disbursal documents) & overdues on a continuous basis and taking up matter with business for closure of the same.  Ensuring timely completion of stock audits to facilitate early detection of stress accounts & taking corrective action on same.  Regular involvement with various stakeholders of the Bank such as Policy, Audit, Operations, Business, Legal & Compliance Show less

Senior Manager

• Jun 2021 - Sep 2021

Manager - North & East Region

• Feb 2018 - May 2021

A. Appraisal & Underwriting of Loans Credit Risk evaluation of proposals with a view to meet the funding requirements of corporates & SME clientele from the automobile industry (Auto/Two Wheeler/Construction Equipment/Construction vehicle/Tractor) through diverse product portfolio including Fund & Non-Fund based products such as Cash Credit, Term Loans (including project loans & WCTL), Trade Advances, Inventory Finance, Purchase Cards & Corporate Cards and Bank Guarantee.  Independently managing portfolio size of approx. INR 6500 Mn across North & East regions Interpreting financial statements, financial modeling, and ratio analysis to assess financial performance of clients. Assessment of viability of potential borrowers & understanding key business issues with a view to providing concise & timely analysis alongwith recommendations & approvals.  Individual sanctioning authority of loan proposals upto INR 50 Mn.  Assignment of internal credit rating through assessment of operational, business, financial & managerial risk aspect of clients.B. Portfolio Management & Quality  Tracking deferrals on a regular basis and liasoning with business for closure of the same. Close monitoring of Overdues & close monthly monitoring of Stock Audit Reports  Ensuring compliance of regular stock audits, identification of stress accounts & management Post Approval Monitoring for ensuring churning of business cash flows through current account & retail conversion. C. Training, Visits & Others Conducting monthly client visits across multiple locations in North & East India to assess market opportunities and maintain client relationships. Providing training & feedback to ADFC staff on a monthly basis on their performance levels and taking corrective action to improve their efficiency.  Close interaction with other functions such as Sales/Operations/CPU/ Policy/Product/ SCM/Software Vendors in ensuring a smooth day to day functioning. Show less

Manager

• Oct 2016 - Feb 2018

Individual Sanctioning Authority of loan proposals of upto Rs.50 lacs.  Responsible for credit risk assessment of proposals across the State of Maharashtra within the prescribed TAT timelines & approval matrix.  Supervising a team of 2 members including Credit Processing Associates (CPA) for ensuring error free file log-ins, CAM preparation & file disbursement with minimal errors.  Underwriting of business loan proposals of SME clients in the healthcare & printing industry upto Rs.50 Crs spread across a varied range of funded & non-funded banking products such as Term Loans, Bank Guarantee, Letter of Credit, Buyers Credit, etc.  Underwriting & decisioning of retail loan proposals in the healthcare space upto Rs.50 Lacs on a PAN India basis under a fast track lending program  Responsible for monitoring PDD/exception databases to help analyse various trends and behavior patterns of customers.  Conducting Periodic Training for operation support staff along with Liasioning with business departments to ensure TAT is within benchmark levels.  Ensuring error free underwriting of cases taking cognizance of all inputs including verification reports, RCU sampling feedback, client profile & promoter’s experience, financial & banking analysis alongwith repayment track history.  Analysis of Non-Starter, 6MOB cheque bounce & 30+ delinquency cases and coordinating with Collection Team to close such cases.  Complaince with Specific Lending Policy Framework and adherence of process in line with policy manual.  Portfolio Management & Audit Compliance Show less

Branch Credit Manager

• May 2016 - Sep 2016

 Underwriting proposals for secured/ unsecured personal loans, business loans, loan against property, enterprise business loans & car loans with a sanctioning authority upto Rs.5 Lacs for unsecured loans and Rs.50 Lacs for secured loans.  Supervising a team of 3 members including Credit Relationship Associate (CRA) & Credit Relationship Manager (CRM) for ensuring error free file log-ins & CAM preparation.  Responsible for scrunity of financial statements, KYC documents, bank statements & other relevant documents / reports before sanctioning loans within desired TAT and in line with organisational credit policies.  Conducting personal discussion (PD) of customers at the office premises alongwith residence verification.  Conducting external defaulters’ check & repayment track record of cleints from other banks & financial institutions alongwith verification of Title Deeds, Legal & Technical Search Reports & other documents related to mortgage loans.  Maintainance of detailed branch MIS along with collection report on daily basis.  Accountable for addressing audit queries and ensuring good audit score of the branch  Responsible for maintainance of healthy credit portfolio (delinquency Mgt), tracking non-starters, and portfolio delinquency analyses.  Formulating effective debt collection mechanisms and following up with clients for ensuring timely receipt of money from clients & recovery of bad debts.  Leading, mentoring & monitoring the performance of the branch sales team to ensure compliance with the credit policies and meeting of branch targets.  Building & maintaining healthy overall business relations with clients, ensuring customer satisfaction by achieving delivery & service quality norms. Show less

Assistant Manager

• Jan 2013 - Apr 2016

 Critically analyzing credit proposals of large corporate groups on a pan-India basis encompassing analytical reviews with management teams of corporates and making presentations to credit committee members with the objective to highlight key risks and mitigants to ensure improved portfolio quality.  Evaluating and structuring credit proposals in the light of internal credit policy guidelines, RBI guidelines, verifying correctness of the proposed terms & conditions in consultation with Relationship Managers etc to meet the needs of clients.  Keeping a close watch on the key industry developments and liasoning with the Business Team to initiate proactive corrective measures wherever warranted.  Conducting financial analysis by using financial modeling in spreadsheet with the estimation of waterfall cash flow mechanism, extensive evaluation of financial ratios, performance of sensitivity and scenario analysis on model outputs to evaluate potential risk elements towards the ability to service debt obligations and summarization of data to enable effective decision making.  Complete understanding of entire life cycle of credit including loan origination, credit underwriting, risk based pricing, loan review mechanism, default marking, loan provisioning, financial covenants, portfolio monitoring including credit concentrations and regulatory/legal compliance procedures.  In-depth understanding of RBI Guidelines and regulatory limits pertaining to credit exposure.  Conducting discussions with management team of reputed corporate’s (across various sectors including infrastructure, manufacturing, NBFCs, jewellery, IT & ITes, pharma, retail etc.) with a view to prepare quality credit approval notes.  Preparing detailed project appraisal & credit risk assessment reports of Greenfield projects (in Healthcare segment) post site visit & discussion with client Show less

Summer Intern

• Apr 2012 - Jun 2012

 Understanding the efficiency of working capital management through analysis of various working capital ratios, trend analysis, growth of net working capital etc and analysis of the impact of working capital on liquidity and profitability of the company.  Conducting Analysis of various aspects of working capital management including analysis of working capital cycle of Berger Paints India Ltd and various dimensions & determinant of working capital management vis-a-vis its competitors in the industry. Show less