Jan 2018 – Oct 2025 · 7 yrs 9 mos · Mumbai Area, India

• Mumbai Site Lead and Senior credit officer for Institutional Clients Group – Risk Team for Citicorp Services India Private Limited as Director heading Institutional Clients Group Risk team of 100+ analysts covering Developed Markets and some parts of Asia
• Team Profile:
• Credit Analysis of the Corporate & Financial Institution Obligors in the Citigroup’s Global Corporate Banking Portfolio supporting the Risk and Banking Team
• The team provides high-quality credit assessment acting as an interface with credit sanctioning bodies, post sanction fulfillment and financial covenants monitoring & control
• The team works on Portfolio reviews for different sub-Industries and updating the Global Portfolio Management Team on the significant developments on the Portfolio
• Detailed use of Risk models to arrive at Risk ratings of different Corporate and Financial Institutions meeting the industry specific nuances
• Financial & Market Research and Analysis for Corporate Banking Sales Teams for country reviews with Risk and Banking seniors
• Quarterly Reviews of the statutory Classification of the accounts into different categories depending upon their performance and the future industry outlook
• Conducting Enterprise Valuation of the stressed accounts along with the analysts and taking necessary Cost of Credit actions depending upon the recovery rates
• Prime responsibilities include :-
• managing multiple stakeholders
• leadership
• Strategic role
• training and development
• control and compliance
• financial management

Jan 2014 – Dec 2017 · 3 yrs 11 mos

• Managing team of Corporate Analytics & Remedial Management supporting Western Europe and some parts of Asia responsible for the following activities: -
• Credit Analysis of the Corporate Obligors in the Citigroup’s Global Corporate Portfolio.
• Risk Rating Analysis on a regular basis and updating the Global Portfolio Management Team on the significant developments on the Portfolio.
• Valuation of Stressed assets and evaluating need for Cost of credit actions
• Quarterly Reviews of the Portfolio and classification of the accounts into different categories depending upon their performance and the future industry outlook.
• Integral participant of various Risk model building process

Jan 2011 – Dec 2013 · 2 yrs 11 mos

• Managing team of Corporate Analytics supporting Western Europe and some parts of Asia responsible for the following activities: -
• Credit Analysis of the Corporate Obligors in the Citigroup’s Global Corporate Portfolio.
• Risk Rating Analysis on a regular basis and updating the Global Portfolio Management Team on the significant developments on the Portfolio.
• Training of the existing and the new joinees in the Team on the Policy and the Processes
• Quarterly Audit of the Reviews and updating the Global Portfolio Management Team on the changes to be initiated in the process
• Quarterly Reviews of the Portfolio and classification of the accounts into different categories depending upon their performance and the future industry outlook.

Apr 2008 – Dec 2010 · 2 yrs 8 mos

• Handling Credit Risk for the North America and Europe.
• Handling Consumer Industrials and Healthcare Teams of Analysts responsible for the preparation for Credit Appraisal memorandum for the companies allocated to them
• Training on the Policy Related aspects on a regular basis
• Tracking of Industry performance and factoring the same in the Credit Appraisal Memos of the companies in those industries

Aug 2007 – Apr 2008 · 8 mos

• Security Documentation and Limit Loading for the Corporate for different kinds of facilities
• Technological Up gradation Fund Scheme handling for the Bank, interacting with IDBI for the approval and reimbursements of the claims
• Bad and Doubtful Provisioning Desk and the Release/ Write off of the Provisions for the corporate Clients
• Insurance and Stock statements updates and computation of the Drawing Powers of the Corporate Clients and amendments of the limits accordingly.
• Corporate Authorization Desk ensuring the approval of the Excess account Transactions as per the process note and day end reporting of the same.
• Issuance, amendments and cancellations of the Local Guarantees and Hold Covers for the corporate Clients within the agreed Turnaround times

Sep 2006 – Aug 2007 · 11 mos

• Risk Analysis and Portfolio Analysis of the Existing Book and recommending changes in the Policy
• Coordination with the Credit Officers assisting them in Credit Analysis and Appraisal of the cases
• All India Builder Exposure Analysis and Project Approvals on a regular basis.
• Recommending New Product Introduction and building cost benefit analysis of the introduction of the new products.
• Regular Feedback to the Valuation Team and the Legal Team on the market performance.
• Assisting in regular Audits as per the requirements of the Bank, RBI and other regulatory agencies as per the defined norms
• Interacting with the Collections and Retail Risk Team to receive feedback based on the Product Based and Profile Based Exposure and their Corresponding delinquencies in the mortgages
• Presentation on High Value Proposals to the Risk Head for final approvals

Jun 2003 – Sep 2006 · 3 yrs 3 mos

• Coordination with the Branch Credit Managers based at different locations assisting them in credit appraisal of the cases
• interaction with the policy, legal and technical team and perusing consolidated approach to decision making under uncertainty
• ensuring the quality of the portfolio is maintained as per the norms of the bank
• Training of the Sales and the Credit Team on the norms for new variants introduced by the Policy Team with due recognition of the target markets and the product norms
• Interaction with the Post Disbursal Documentation Team to ensure that the pending critical documents are collected on time and assisting in Documentation Audits
• Interacting with the Hind sighting Team and giving feedback to the Branch Credit Managers to ensure that the critical errors are minimal.