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Rini Ray

Rini Ray

Project Leader and Training Manager

Followers of Rini Ray981 followers
location of Rini RayMumbai, Maharashtra, India

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  • Timeline

  • About me

    Chief Manager – Internal Audit Group at ICICI Bank

  • Education

    • IBS Mumbai

      2006 - 2008
      MBA Finance, Banking

      Activities and Societies: Functioned as core member of the organizing committee of Konflux 2006 (ICFAI College Festival), National Conference on Retail, Management 2006 and Manthan Team (ICFAI College Magazine)

    • K. T. H. M. College (Pune University)

      1999 - 2002
      Bachelor’s Degree Corporate Law and Secretarial Practice

    • K. T. H. M. College

      1997 - 1999
      High School Business/Commerce, General

    • Boy's Town Public School

      1984 - 1997
      SSC General

  • Experience

    • Aress Software

      Aug 2002 - Apr 2006
      Project Leader and Training Manager

      Implementation of Administration and Management System for various clientsOverseeing maintenance and assurance for the quality of project deliverablesHandling a team of 20-25 membersExecuting responsibility towards New Hire Orientation, assessment of training requirements foremployees and imparting of the trainingHighlights Distinction of making the designated team win The Best Team and Project Leader for August 2005 Received training for RHCE

    • Reliance Industries Limited

      Feb 2007 - May 2007
      Summer Intern

      Internship project involved understanding Short Term Investment Instruments, Determinants of Working Capital and conducting a Comparative Analysis of Mutual Funds.

    • GE Capital

      Apr 2008 - Apr 2009
      Assitant Manager (Risk - CV)

      Underwriting deals for Maharashtra and MP and understanding the creditworthiness of the borrowerAnalyzing the financial performance & cash flows of the businessControlling and monitoring overall delinquencies with specific emphasis on Top 20 group exposuresReviewing collection of pending Post Disbursal Documents and monitoring vendor performanceHighlightsWorkshops attended include Grow Your GE and Business Finance.Initiated Implementation of AML procedure as per RBI guidelinesPreparation of Manual of Moody’s KMV Risk Analyst. Show less

    • Kotak Life

      Jul 2009 - Jan 2010
      Manager (Product – FIG)

      Analyzing of data received from various departments for preparation and maintenance of MISCoordinating for various client specific issues with various departments and helping in closuresPreparing customized presentations for Acquisitions, Product and Process TrainingFinalizing and preparing Process Note as per agreed processes and Monitoring Business ConversionsComparing and analyzing rates released by Actuaries with available competition rates

    • L&T Finance

      Dec 2010 - Apr 2015

      Appraising credit proposals of Channel Finance, Invoice Discounting, Term Loan, Working Capital Loan, Trade Advances, Construction and Transportation Equipment FinanceAdopting Analytical Procedures for establishing financial viability of the company and analysis ofvarious Accounting Ratios calculated and comparing those against suitable applicable benchmarksUndertaking periodic review of all the sanctioned facilities and monitor the covenants stipulatedConducting Credit rating for each borrowerSeamlessly co-ordinating cross functionally to enable timely approval of credit proposals and resolution of credit and risk concernsHighlightsWorkshops attended include Strategic Thinking & Credit Risk Analysis – Dealing with ComplexitiesCorroborated with team members, conducted a review and developed new CAM templatesInvolved in CAM Application software project Show less Underwriting deals for Maharashtra, MP & Gujarat and understanding the creditworthinessAnalyzing the financial performance & cash flows of the businessControlling and monitoring overall delinquencies with specific emphasis on Non Starters & EDAReviewing collection of pending Post Disbursal Documents and monitoring vendor performanceHighlightsWorkshops attended include Risks & Compliance and Service Excellence.Involved in Posidex (Dedupe) project in the initial phases Show less

      • Manager (Credit-SME)

        May 2012 - Apr 2015

      • Assistant Manager (Business Credit – CV)

        Dec 2010 - May 2012

    • Shriram Equipment Finance Co. Ltd

      Apr 2015 - Sept 2015
      Senior Manager (Credit – ME)

      Conducting credit analysis and analyzing financial statements, cash flows and business modelEnsuring portfolio quality and identifying possible stress areas or early warning trendsEnsuring regulatory compliances with RBIProposing and/or implementing ideas to enhance business results and anticipating market trends orcounter competitive pressuresWorking closely with various departments and maintaining service levelsPreparing various MIS and review sheets

    • Reliance Money

      Sept 2015 - Oct 2018
      Manager (Product – SME)

      Product Development & DesigningPolicy FramingMarket BenchmarkingP&L and BudgetingMarketing OutreachChannel & Relationship ManagementKnowledge ManagementDriving Cross Sale & Insurance Penetration

    • ICICI Bank

      Oct 2018 - Jun 2023

      Induction of new capital providers / monetization of assetsReorganization of operations by inducting operating partners & debt restructuringResolution under IBC

      • Chief Manager (Internal Audit Group - WBG)

        Nov 2021 - Jun 2023

      • Chief Manager (Strategic Solutions Group-WBG)

        Oct 2018 - Nov 2021

  • Licenses & Certifications