Samir Kishore

Joined as Head Policy and Portfolio Management and took over additional responsibility of Market Risk & Mid-Office and FIG Credit before taking up current position.

Guide and supervise Credit Department on Project Finance proposals
Establish Risk Rating Framework
Develop expected loss pricing model model

· Heading a unit of credit managers and support staff, reporting to Head of Mid Sector Corporates. Earlier reported to AGM, Corporate Banking, managing a portfolio of over 60 corporates with a portfolio size of over USD 75 million.
· Primary responsibilities: 1. Maximizing business growth from existing customers and new relationships. 2. Maintaining acceptable credit quality. 3. Processing credit approvals and perfecting documentation.
· Achieved breakthroughs with prime targets - ONIC, NLIC etc. in a short span.
· Transferred to Mid Sector Corporates as Unit Head in January 2005.

· Business Head, reporting to CEO. Factored Sales INR 2.5 billion p.a.
· 1. Presenting ambitious Business Plans to Board of Directors. 2. Achieving financial targets as per approved business plan. 3. Ensuring credit quality and compliance. 4. Providing leadership and support to Team Leaders, Managers.
· Provided working capital facilities to domestic and export oriented companies.
· More than doubled business volumes at attractive margins and zero new NPA.
· Member of the Credit Committee. Member of the Management Committee.

· Head of the Corporate Banking team in eastern India. Reporting to Head Corporate Banking India-South & East. Portfolio Size: INR 5 billion.
· Achieved marketing breakthroughs with Coal India, Hindalco and BHEL.
· Confirmed as Senior Relationship Manager and Promoted, March 2000.
· Significant transactions: i) Mandate from Tata Tea for remittances for acquisition of Tetley, one of the largest overseas acquisition by an Indian company, ii) INR 90 million 15-month escrotized receivables loan for capital expenditure for CESC. iii) $5.00 million and $4 million 6 month working capital loan for Exide Industries.

· Head of Credit Products Group for Eastern India. Reporting to VP Credit Products, North India. Portfolio Size: INR 4.50 billion.
· Responsible for credit quality and revenues for corporates in Eastern India.
· Successfully met difficult revenues and priority sector targets.
· Prepared quarterly risk memos analyzing impact of changes key variables.
· Commenced business relationships with target clients, Coal India Ltd., Essel Mining (A. V. Birla); Eastern, Purbanchal (HLL suppliers) and Tata Tea.
· Developed high quality relationships with Birla Group, ITC, Tata Group, etc..
· Obtained credit approvals, coordinated with local, overseas lawyers for proper documentation, ensured compliance with internal, regulatory requirements.
· Exited weak companies, ITC Classic, Balmer Lawrie, IBP, Woolworth, etc..
· Cross-sold derivatives, foreign exchange, cash management, liability products.
· Confirmed as Assistant Vice President, March 1996.
· Significant transactions: i) Lead Arranger, $11 million 3-year syndication and Joint Lead Arranger, $40 million 8-year syndication for Indian Aluminum Company (ALCAN Group). ii) Lead Arranger, $48 million 8-year syndication for Hindalco Industries (A. V. Birla Group). iii) $34 million JPY denominated loan purchase from IBJ of National Aluminum Company. iv) $21 million INR/USD LCs under IBRD/JEXIM loan for Coal India Ltd.. v) $10 million JPY denominated 14-month capital expenditure loan, $7 million INR denominated debenture, $20 million, $30 million INR fixed deposits for ITC (BAT affiliate). vi) $3 million 4-year external commercial loan for Asian Coffee (Tata Group). vii) $5 million JPY denominated 18-month loan for Indian Rayon (A. V. Birla Group).

· Managed assigned corporate relationships, reporting to Chief Manager, East India. Portfolio Size: INR1.65 billion.
· Marketed, structured transactions for assigned portfolio comprising of prime corporates, ITC Ltd., ITC Classic Finance, Britannia, Woolworth, etc.
· Made breakthroughs with prime targets, Brooke Bond, Jayshree Tea.
· Cross sold treasury products to ITC Ltd., Nippon Ispat, Indal Exports, etc.
· Member of Local Credit Committee.

· Independently managed branch treasury function, reporting to Chief Manager, East India. Turnover USD 90 million p.a., Profit USD 0.30 million p.a..
· Handled corporate, inter-bank dealing, spot and gap position management, FX / rupee funds management, preparation of Daily Treasury Newsletter.
· Advised clients based on fundamental and technical analysis (P&F).
· Obtained training in FX dealing, nostro reconciliation, treasury operations
· Promoted to Relationship Manager, Corporate Banking, June 1994.
· Underwent training in foreign exchange dealing, credit and trade finance
· Managed Stockinvest; assisted in customization of Banking software
· Confirmed and Promoted to Assistant Manager, Treasury, June 1993.

· Designed and developed a relational database for visual resources of Technical Reference Center on Double Helix.
· Researching and production of visual resources for the Technical Reference Centre, School of Architecture.
· Developed and implemented bench line parameters for performance measurement of the production staff.
· Upgraded a copyrighted graphics program for Department of Urban Planning MS QuickBasic.

Underwent training with world renowned architect Charles Correa on various ongoing projects.