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Subhas Gyawali profile image

Subhas Gyawali

Board Member / Director at Smart Choice Technologies Ltd (SCT Network)
Intro Book
Seasoned banking professional with expertise in credit risk management and portfolio management.
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Location
Kathmandu, Bāgmatī, Nepal, NP
Skills
  • Credit
  • Credit Risk
  • Banking
  • Retail Banking
  • Trade Finance
  • Show all
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Bio

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Subhas Gyawali is a seasoned banking professional with extensive experience in credit risk management, trade finance, and portfolio management. He has held various leadership positions in prominent financial institutions, including Chief Credit Control and Deputy General Manager. Subhas holds a Master's degree in Finance from St. Xavier's College and has completed numerous certifications in disaster risk reduction, anti-money laundering compliance, digital finance, and blockchain. He is currently working as a Board Member / Director at Smart Choice Technologies Ltd (SCT Network) and has been in this role since January 2023. Subhas has a strong background in credit analysis, financial risk management, and portfolio management, with a focus on retail banking, trade finance, and corporate finance. He has a proven track record of success in managing credit portfolios, identifying and mitigating risks, and developing strategic plans to drive business growth. With his extensive experience and expertise, Subhas is well-equipped to provide valuable insights and guidance to clients and stakeholders in the financial sector.

Credentials

  • Disaster Risk Reduction and Management (DRRM) and Business Continuity Management (BCM)
    USAID's Tayar Nepal & Confederation of Nepalese Industries (CNI)
    Jan, 2024
    - Apr, 2026
  • Anti-Money Laundering Compliance
    Digital Frontiers Institute
    Nov, 2023
    - Apr, 2026
  • Digital Finance for All
    Digital Frontiers Institute
    Aug, 2023
    - Apr, 2026
  • Mobile Money Operations
    Digital Frontiers Institute
    Aug, 2023
    - Apr, 2026
  • Blockchain and Cryptocurrency
    Digital Frontiers Institute
    Jun, 2023
    - Apr, 2026
  • Certificate in Digital Money
    Digital Frontiers Institute
    May, 2023
    - Apr, 2026
  • Money Transfer Compliance Course (MTCC+)
    IMTC Conferences
    Nov, 2021
    - Apr, 2026
  • Privacy in the New World of Work
    LinkedIn
    Jul, 2020
    - Apr, 2026
  • Communicating with Confidence
    LinkedIn
    Jun, 2020
    - Apr, 2026
  • Empathy for Sales Professionals
    LinkedIn
    Jun, 2020
    - Apr, 2026
  • Excel: Advanced Formulas and Functions
    LinkedIn
    Jun, 2020
    - Apr, 2026
  • Introduction to Business Analytics
    LinkedIn
    Jun, 2020
    - Apr, 2026
  • Project Management: International Projects
    LinkedIn
    Jun, 2020
    - Apr, 2026
  • Business Development Foundations: Researching Market and Customer Needs
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Business Development: Strategic Planning
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Design Thinking: Data Intelligence
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Design Thinking: Venture Design
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Entrepreneurship Foundations
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Managing Your Career: Mid-Career
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Sales Negotiation
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Succeeding in a New Role By Managing Up
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Take a More Creative Approach to Problem-Solving
    LinkedIn
    Jun, 2019
    - Apr, 2026
  • Money Transfers
    Digital Frontiers Institute
    May, 2019
    - Apr, 2026
  • The Data Science of Economics, Banking, and Finance, with Barton Poulson
    LinkedIn
    May, 2019
    - Apr, 2026

Experience

  • Smart Choice Technologies Ltd (SCT Network)
    • Kathmandu, Bāgmatī, Nepal
    • Board Member / Director
      • Jan 2023 - Present
      • Kathmandu, Bāgmatī, Nepal

  • City Express Group
    • Kathmandu, Nepal
    • Deputy General Manager
      • Oct 2018 - Present
      • Kathmandu, Nepal

      • Handle all the international correspondents and international setup of the group’s companies abroad• Assisting and leading the project for the International Remittance Hub in Japan• Have initiated and successfully established the group’s office in Australia and Myanmar• Exploring the international market for any possibilities for business growth • Exploring the fin-tech market possibilities for the business development

  • Global IME Bank Representative Office UK
    • 19 B Union Street, Aldershot, Hampshire, United Kingdom
    • Chief Representative
      • Sep 2017 - Aug 2018
      • 19 B Union Street, Aldershot, Hampshire, United Kingdom

      • Consultation, liaison and market research• Providing market information, consultation and liaison to UK entrepreneurs wishing to establish business relationships in Nepal• Assisting Nepali and UK entrepreneurs in setting up offices and Joint Ventures in UK and Nepal respectively• Facilitating remittances by Nepali residents in UK• Developing and maintaining relationship with correspondent Banks to enhance trade finance activities• Increasing the bank’s profile within the market place and acting as a point of contact and source of information• Provide information to the Bank about the developments in the financial markets in UK

  • Global IME Bank Limited
    • Kathmandu
    • Senior Relationship Manager
      • Oct 2016 - Sep 2017
      • Kathmandu

      • Solicitation of new business through meeting with customers and prospects. Maintaining coordial banking relationship with customers in a professional manner. Working in team and have effective co-ordination with the team members. Thoroughly understanding the credit products of the bank and match the right product to the clients suiting their specific credit need. Developing the ability to educate the customers on banking policies and informing them of the banking rules and regulations and to comply with the banking norms, act as a facilitator to the customers. Update with relevant Nepal Rastra Bank (NRB) (Central Bank of Nepal) circulars and notices. Enriched with knowledge of corporate culture and its practice. Exercise the roles of Relationship Manager as a Financial Advisor, Product Marketer, Recovery Officer, Liaison Officer, Credit Appraiser, Critical Thinker, Client Educator, Compliance Officer, Audit Responder, Grievance Handler, etc. Learning by sharing and sharing after learning was put into action as well. Knowledge on Credit Policy Guidelines of Global IME Bank Ltd, Internal Guidelines and NRB Regulations etc. Diligence of ability to work under pressure, coordinate with the colleagues in support of the seniors and get the job done. Enriched with knowledge of corporate / business culture and its practice. Exercise, exhibit and widened the Leadership skill, planning, organizing skill, prioritizing skills and exceeded most job expectations.

  • Global IME Bank Representative Office India
    • Arunachal Building, 19 Barakhamba Road, New Delhi, India
    • Chief Representative
      • Jan 2016 - Oct 2016
      • Arunachal Building, 19 Barakhamba Road, New Delhi, India

      • Consultation, liaison and market research• Providing market information, consultation and liaison to Indian entrepreneurs wishing to establish business relationships in Nepal• Assisting Nepali and Indian entrepreneurs in setting up offices and Joint Ventures in India and Nepal respectively• Facilitating remittances by Nepali residents in India• Developing and maintaining relationship with correspondent Banks to enhance trade finance activities• Increasing the bank’s profile within the market place and acting as a point of contact and source of information• Provide information to the Bank about the developments in the financial markets in India

  • Global IME Bank Australian Representative Office
    • Suite12, Level 6, 321 Pitt Street, Sydney, NSW 2000
    • Chief Representative
      • Jan 2015 - Jan 2016
      • Suite12, Level 6, 321 Pitt Street, Sydney, NSW 2000

      • Consultation, liaison and market research• Providing market information, consultation and liaison to Australian entrepreneurs wishing to establish business relationships in Nepal• Assisting Nepali and Australian entrepreneurs in setting up offices and Joint Ventures in Australia and Nepal respectively• Facilitating remittances by Nepali residents in Australia• Developing and maintaining relationship with correspondent Banks to enhance trade finance activities• Increasing the bank’s profile within the market place and acting as a point of contact and source of information• Provide information to the Bank about the developments in the financial markets in Australia

  • Global IME Bank Limited
    • Kathmandu, Nepal
    • Chief Credit Control
      • Jul 2013 - Jan 2015
      • Kathmandu, Nepal

      •Initiated and was responsible for setting up foreign representative offices of the bank in Australia, Qatar, India, Saudi Arabia, South Korea, UAE and United Kingdom•Ensuring that various directives, instructions and circulars issued by NRB are met especially in managing and monitoring Single Obligor Limit, Capital Credit to Deposit Ratio, Base rate and report the bank’s current position to assist the top executives for future planning•Monitor that the bank’s loan and advances are in line with the internal policies especially the exposure on various sectors, products, types so that the planned growth can be achieved. •Ensure compliance with NRB directive, internal policies, prevalent laws (BAFIA, Contract Act, Company Act, etc.) that the credit facilities are implemented accordingly•Monitor and report the performance of risky portfolios which are not fully secured by fixed assets collateral but extended based on stocks, receivables and other liquid assets as well. Specifically monitor the stocks based on periodic reports, receivables based on ageing report, sales based on seasonal/current demands, and report the early warning signals. Ensure that the goods hypothecated or pledged to the bank are covered through valid insurance policy having coverage of risk as per the approved terms •Ensuring loan loss provisions to credit customers as per NRB directives are correctly recorded in system•Make sure that filing and security documents are in order and well secured. •Monitor fulfillment of regulatory requirement in respect of priority sector and deprived sector lending of the bank and help Portfolio Management Committee to decide on ways out for fulfillment of same •Providing Credit administration related training to Branch Managers and Relationship Managers•Providing timely quality loan implementation and related services to branches•Responsible for effectively managing entire activities of Credit Administration Department

  • Mashreq Bank Nepal Rep. Office
    • Thapathali, Kathmandu
    • Account Officer/Credit Officer
      • May 2012 - Jun 2013
      • Thapathali, Kathmandu

      •Correspondent banking with all the commercial banks of Nepal regarding the letter of credits (L/C), guarantees and management of their funds through our branches around the world. Also monitor after the issues that may arise of the Nepalese banks with our branches abroad.•Looking after day to day operations of the organization•Preparing Financial Institutions Customer Profiles and Industry Credit Review of all the commercial banks of Nepal•Sales call periodically to various Financial Institutions marketing our L/C, guarantees and Nostro accounts and addressing their feedbacks of our service

  • Nepal Investment Bank Limited
    • Durbar Marg, Kathmandu
    • Relationship Manager
      • Mar 2009 - May 2012
      • Durbar Marg, Kathmandu

      •Bring in deposits from various institutions and individuals•Marketing and recovery of Retail Loans•Opening of fixed deposits, signature verification and dealing with customers queries•Organizing different activities of the bank like corporate parties, blood donation, sports events, marathon and more•Coordinate and review the work relating to letter of credit transactions •Verify and record financial documents and forms related to letter of credit transactions •Make payments against the documents on behalf of all our branches through various correspondent banks abroad•Check swift messages and emails from the correspondent banks abroad and sent prompt reply depending on the urgency of messages

  • Godavari Alumni Association
    • Thamel, Kathmandu
    • Joint Secretary
      • Sep 2006 - Sep 2008
      • Thamel, Kathmandu

      •Monitoring operations of the organization•Organizing different regular events of the organizations•Deal with many potential donor organizations to jointly organize events for public awareness•Volunteering in different events for social cause

Education

  • 2005 - 2007
    St. Xavier's College
    Master's degree, Finance
  • St. Xavier's School

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