CA Aditya Agarwal

Experience

• 

  Doshi Chatterjee Bagri & Co.

  Jan 2004 - Apr 2005

  Assistant Manager
• 

  Singhi & Co.

  Jul 2005 - Mar 2006

  Audit Manager

  Audit assignment on individual and group assignment.

• 

  Kotak Mahindra Bank

  Apr 2006 - Nov 2010

  Credit underwriting and risk rating for borrowers of Small and Medium Enterprises for all the credit facilities, proposal representation in Credit Committees and Management Committees, finalization of the terms in offer letter and validation of the terms in loan agreement, credit continuous monitoring and support recovery team. Underwriting and approval of loans for Commercial vehicles and construction equipment in West Bengal and Orissa, and working capital need of the transporters; portfolio monitoring and assisting on recovery of the loans with collection manager; validating credit terms before disbursement; managing team and imparting training to sales officers and operations for credit quality.

  • CHIEF MANAGER- CREDIT in Commercial Banking Group

    Dec 2008 - Nov 2010

  • Senior Manager

    Apr 2006 - Nov 2008
• 

  ICICI Bank

  Dec 2010 - Jun 2013

  Manager

  In depth credit evaluation and risk assessment and rating for Large Corporate portfolio in Western India for several industry segments, such as Textile, Oil & gas refining and marketing companies, Telecom, Plastics & Plastic products, Petrochemicals; Chemicals; and Education, and two large groups.

• 

  CRISIL Limited

  Jul 2013 - Jan 2015

  Manager, Risk solution

  Risk management, Risk policy framework, Model development, Domain for Credit Risk Evaluation (S&P product). Lead projects for client service in credit risk areas such as laying out Credit risk framework, Credit Risk policy and Credit manual for retail and corporate products, developing rating model and scorecard for retail and corporate borrowers and validation for Banks in India and other countries.

• 

  Bank of America

  Jan 2015 - Mar 2023

  Corporate Audit, Asia Pacific - Subject Matter Expertise for Credit Risk. Key responsibilities include audit coverage for credit risk function (end to end processes) including risk assessment of the credit universe, engagement with regional stakeholders both first line and second line, dealing with regulatory queries during inspection, leading a team for executing audits.

  • Vice President

    Feb 2017 - Mar 2023

  • Assistant Vice President

    Jan 2015 - Jan 2017
• 

  Citi

  Apr 2023 - now

  Senior Vice President - Independent Risk Quality Assurance - Wholesale Credit