Krunal Balpande

Experience

• 

  Cognizant

  Nov 2007 - Jun 2008

  Program Analyst

  Worked on projects involving PeopleSoft Technology, ERP. Ensuring timely and speedy resolution of trouble tickets in accordance with established SLA 24-7. Acting as escalation gate for addressing L2/ L3 level escalations. Managing Ticket Analysis and building known error database. Coordinating internal quality audit.

• 

  IDBI Bank

  Aug 2011 - Jul 2014

  Assistant Credit Manager, Retail & SME

  Analyzing and evaluating credit proposals for the creditworthiness with a focus on identification of key risks and assessment of mitigation measures.Managing the implementation of the risk management process; monitoring the process to ensure that it operates effectively in the best interests of the company’s stakeholders.Examining, evaluating, reporting, and recommending improvements on the adequacy and effectiveness of company’s risk management processes.

• 

  Bank of Baroda

  Jul 2014 - Nov 2018

  Review credit proposals submitted by the Branches and assess the Risk involved. Interact with the Branches to assess the main risks and propose mitigants at the deal initiation stage. Appraise financial spreadsheets and projections and modify credit proposal Convey a clear opinion regarding the feasibility of the proposed transaction from a risk point of view.Approval / recommendation of credit limits and transactions to approving authority. Monitoring including periodic visits for existing clients.Maintaining MIS of all my tagged portfolio and periodic reviewing it for accessing any early warning signal. Show less

  • Senior Credit Manager, Mid/ Large Corporate

    Oct 2016 - Nov 2018

  • Specialist Credit Manager, SME

    Jul 2014 - Sept 2016
• 

  Tata Capital

  Dec 2018 - now

  Lead and guide a team in evaluating and reviewing credit proposals of corporate banking Groups (entities with turnover of more than Rs. 1000 Crs) in adherence with Credit Policy and extant regulatory guidelines.Convey clear decision regarding the feasibility of the proposed deals, from risk point of view, covering business model, industry risk, structure, financial risk in case of escalations or exercising of approval authority or while guiding the team.Complete ownership of assigned portfolio of accounts and ensure high quality of portfolio with nil slippages to NPAs.Credit Monitoring ‑ Actively look for Early Warning Signals (EWS) through tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation/ exit strategies.Collaborate and proactively engage with Business, Credit Administration (operations team), Legal, Audit, Compliance, IT and other stakeholders as appropriate for managing account and transaction level risks.Ensure the teams are adequately staffed and trained on an ongoing basis. Serve as a thought leader and a focal point for escalations / managing concerns that may arise. Show less Lead and guide a team in evaluating and reviewing credit proposals of corporate banking Groups (entities with turnover of more than Rs. 1000 Crs) in adherence with Credit Policy and extant regulatory guidelines.Convey clear decision regarding the feasibility of the proposed deals, from risk point of view, covering business model, industry risk, structure, financial risk in case of escalations or exercising of approval authority or while guiding the team.Complete ownership of assigned portfolio of accounts and ensure high quality of portfolio with nil slippages to NPAs.Credit Monitoring ‑ Actively look for Early Warning Signals (EWS) through tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation/ exit strategies.Collaborate and proactively engage with Business, Credit Administration (operations team), Legal, Audit, Compliance, IT and other stakeholders as appropriate for managing account and transaction level risks.Ensure the teams are adequately staffed and trained on an ongoing basis. Serve as a thought leader and a focal point for escalations / managing concerns that may arise. Show less Evaluating and reviewing credit proposals of corporate banking Groups (entities with turnover of more than Rs. 1000 Crs) in adherence with Credit Policy and extant regulatory guidelines.Convey clear decision regarding the feasibility of the proposed deals, from risk point of view, covering business model, industry risk, structure, financial risk in case of escalations or exercising of approval authority or while guiding the team.Complete ownership of assigned portfolio of accounts and ensure high quality of portfolio with nil slippages to NPAs. Show less

  • Regional Credit Manager (Associate Vice President) Large Corporate South

    May 2024 - now

  • Regional Credit Manager Large Corporate South

    Jul 2023 - May 2024

  • Assistant Vice President Credit, Large Corporate, South

    Dec 2018 - Jul 2023