Ramit Malhotra

Experience

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  Tekshapers

  Jun 2014 - Sept 2014

  Business Analyst

  This was my my first job after my Graduation . Although my stint as a BA was short with the company ,I got to experience how the Software development cycle works . In my role as a BA my KRA was to : # Assist the project manager to create the project’s business case by making sure all the high-level requirements are listed in the project scope. # Conduct a cost-benefit analysis to justify the feasibility of the proposed solution.# Gather requirements from the key stakeholders by using requirement elicitation techniques like brainstorming, requirement workshops, focus groups, and others.# Aid in development and testing of the product. # Supervise the release of the Software and co-ordinate with the key stake holders for payments and deal closure. Show less

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  Can Fin Homes Limited

  Sept 2014 - Jan 2018

  Credit Officer - Retail and Commercial Credit Risk

  Though I heirs from the engineering background , I had keen interest in banking and an inevitable urge to pursue my career in Finance . To learn how the Finance/Banking industry work I joined CFHL a subsidiary of Canara Bank and leader in Micro finance as Junior Officer and was later promoted to Scale -1 Officer. In my Stint I got hands on experience in Credit Underwriting, Client Handling, Vendor Management, Collections & Operations . My Job role in Can Fin Homes was: # Researching and evaluating client’s creditworthiness. # Creating credit scoring models to predict risks.# Approving or rejecting loan requests, based on credibility and potential revenues and losses.# Vendor management and Co-ordination. Show less

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  DCB Bank

  Feb 2018 - Jan 2020

  Manager - Retail and Commercial Credit Risk

  - Led comprehensive credit underwriting efforts for Home Loans (HL), Loan Against Property (LAP) and Working Capital proposals, overseeing operations across multiple locations.- Developed streamlined processes for credit processing, optimizing efficiency and reducing processing time.- Created credit scoring models to enhance decision-making accuracy and contribute to portfolio quality improvement.- Aligned loan terms with strategic goals, balancing risk and portfolio growth to ensure optimal outcomes.Achievements:1. Orchestrated the seamless end-to-end credit application process, ensuring an exceptional customer experience from initiation to disbursement.2. Proactively managed portfolio quality, mitigating risks through vigilant monitoring and adherence to credit policies. Show less

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  Axis Bank

  Jan 2020 - Dec 2021

  Manager - Commercial Credit Risk and Portfolio Management

  - Leading the Credit underwriting and appraisals of MSMEs' creditworthiness via financial insights and anticipatory cash flow projections.- Strategically assessing business model sustainability and growth potential, delving into company fundamentals and project proposals.- Developed intricate credit scoring models to facilitate rigorous risk evaluations. Orchestrated and supervised the complete credit application journey, from initiation to seamless client onboarding.Key Achievements:1. Elevated risk evaluation precision through the creation of comprehensive credit scoring models, fortifying decision-making processes.2. Achieved streamlined credit operations by overseeing and managing the entire application cycle, ensuring efficient client onboarding and minimized bottlenecks. Show less

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  Indian Institute of Management Kashipur

  Jun 2021 - now

  Member- Academic Committee
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  HDFC Bank

  Dec 2021 - May 2022

  Senior Manager - Wholesale Credit Risk and Portfolio Management

  - Spearheaded credit evaluation for corporate clients, channeling insights into dynamic credit reports that illuminated key avenues for growth.- Mastered meticulous risk appraisal through advanced financial modeling, intricately encompassing transaction nuances, financial statement deconstruction, projections, and credit metrics. Additionally, led comprehensive industry and market explorations to fathom borrower ecosystems, executing sensitivity analyses that rigorously stress-tested loan viability.- Expertly managed designated portfolios, orchestrating periodic reviews to proactively monitor market dynamics, pivotal credit trends, and borrower performance. Implemented swift corrective measures, curbing risks and optimizing portfolio health.Key Achievements:1. Leveraged exhaustive industry/market studies to yield profound insights into borrower operational landscapes, augmenting the precision of lending strategies.2. Conscientiously performed periodic reviews, vigilantly tracked pivotal credit trends in tandem with market dynamics, and instituted prompt corrective measures, effectively curbing risks. Show less

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  WNS

  May 2022 - now

  Manager- Commercial Credit Risk and Portfolio Management

  - Leading multiple teams comprising 40+ FTEs, entrusted with Credit Underwriting, Package Creation for regulatory reporting, and portfolio management for a prominent US bank.- Spearheading the credit underwriting and meticulous risk assessment using advanced financial models such as Beta Model, Projection sensitivity, and EV analysis.Key Achievements:- Successfully piloted initiatives to establish comprehensive processes for Monitoring & Control within the Commercial Banking and Business Banking portfolios.- Devised a strategic roadmap for Covenant Clean-up and regulatory package creation aimed at high-risk borrowers within the bank's portfolio. Show less