Experience

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  State bank of hyderabad

  Oct 2012 - Jun 2013

  Management trainee

   Lodgement and payment of export collection bills and issue of Banking Realization Certificates to exporters Facilitated Inland Bill negotiation, Discounting of Bills etc. as per requirement  Managed opening, transfer and closing of savings and current accounts and implementation of KYC norms Managed various banking desks such as Term Deposits, NEFT/ RTGS, etc.

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  Cargill

  Jan 2014 - Mar 2014

  Internship

  I interned in the Corporate Materials and Services (CM&S) function responsible for indirect procurement. I carried out a project to streamline and standardize the communication process involved in indirect procurement between CM&S and the various other departments along and made recommendations for creation of knowledge base which can be used to improve procurement function in the Corporate Materials and Services.

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  Reserve bank of india (rbi)

  Apr 2014 - Jun 2014

  Summer intern

  Carried out an analysis of India's Current Account Deficit with a specific focus on Gold consumption. I carried out a survey on the knowledge of the various alternatives to physical gold and presented the finding as well as made recommendations on the same.

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  State bank of india

  Jul 2015 - Jul 2020

  Assistant vice president

   Interact with clients to ascertain their financing requirements and explore potential for organic growth and prepare the financial modelling of estimates/projections for the upcoming fiscal years in consultation with client’s leadership team Carry out KYC checks and due diligence on the customer and analyse the performance and financials Determine Internal Credit Rating using banks proprietary models and seek approval from the Risk Rater Prepare memos on the proposed exposure, including Term Loans, Fund Based and Non Fund Based Working Capital limits, Derivatives, (with covenants) and present to Credit Committees for sanction Post sanction prepare term sheet and obtain the required signatures and credit risk monitoring of the portfolio to identify any potential issues and address the same Recommend exposure within bank’s risk appetite, and suitable structure/ covenants to mitigate risk in accordance with credit policy and draft sanction letters post approval  Source, analyse and maintain documentation related to sanctioned limits and collateral  Portfolio monitoring including providing MISs to stakeholders including senior management, internal auditors, regulators, etc. Undertake adhoc projects to improve processes related to data acquisition, credit evaluation etc. The value of my accounts handled increased from $12 mn+ to $408 mn+ over a 4-year period with a CAGR of 140% and held sole responsibility for the largest Account Maintenance Team (AMT) in Hyderabad Zone; normally allotted to 2 Credit Analysts. I reduced exposure to stressed accounts by $7.2 mn by streamlining debt monitoring processes Show less

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  Hdfc bank

  Jul 2020 - Mar 2022

  Senior credit manager

   Credit Underwriter for NTB (New to Bank) Proposals upto $1.2 mn and Credit Approver (out of 3 signatories) for proposals more than $1.2 mn subject to the approval grid as per Credit Policy Structured the facilities, stipulated covenants, and approved modifications to T&Cs of sanction for approved cases  Made presentations to Credit Committees on high value proposals and rejected proposals under escalation Verified KYC and carried out Enhanced Due Diligence (EDD) based on a detailed checklist for new customers prior to onboarding  Portfolio monitoring (120+ accs..), to ensure covenant compliance and identify signs of incipient stress and take corrective action Maintain and provide portfolio MISs to and address queries raised by senior management, auditors and regulators Manage relationships with business teams, legal teams, Credit Administration Teams, 3rd party vendors Undertake ad hoc projects to improve processes related to credit evaluation and monitoring Show less

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  Citi

  Mar 2022 - Oct 2022

  Assistant vice president

   Credit Risk assessment of the Large Corporates portfolio based on a wide range of qualitative and quantitative factors Prepare Credit Memos and assign Risk Ratings for customers based on Business inputs, credit assessment, customer due diligence (CDD), industry knowledge Recommend exposure within bank’s risk appetite and suitable structure/ covenants to mitigate risk such as credit insurance  Portfolio Monitoring, including tracking industry and economic trends, assess impact, and escalation of potential credit issues to Credit Risk Team, ICG Risk and BCMA partners Show less

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  Bawag p.s.k.

  Nov 2022 - now

  Risk manager

   Manage Investment Risk of Asset backed Securities (mortgages, consumer loans etc. ) as well as Credit Risk of Warehousing Facilities to sponsors/ investment funds/ lending platforms/ FinTechs in US, EU and UK markets Analyse lending/ investment proposals including financial modelling, counterparty financials, structural risks, interest rate risk, credit terms, risk mitigants and Risk Weighted Assets (RWA) treatment and prepare Credit Memos for the Credit Committees.  Recommend suitable structure, covenants and sanction terms to manage/ mitigate risks and maximize returns and presented the same to the Credit Committees for incorporation into term sheets.  Develop and maintain Portfolio dashboards and other MISs using a range of analytics and visualisation tools (SQL, SAS, & PowerBI). The dashboards incorporated multiple data streams including portfolio data, market data, macro-economic data and are referenced by senior management for decision making  Using the analytics tools above, portfolio monitoring to identify early warning signals, check covenant compliance and other deviations for prompt corrective action Undertake adhoc projects as required. This included support for screening of potential customers for the business teams.  Other responsibilities include ensuring data quality, maintaining portfolio documentation addressing queries raised by the Head Quarters, Vienna and the ECB and building maintaining relationships with multiple internal and external stakeholders Show less