ابهيشيك كومار

Role
Lead loan syndication and structured financing, executing multi-million-dollar deals across
GCC and global markets to optimize pricing, risk, and investor participation.
Strengthened FI relationships, expanding funding channels, enhancing liquidity, and boosting
the banks global reach.
Directed trade finance and treasury operations, ensuring transaction efficiency, liquidity
optimization, and full regulatory compliance.
Implemented funding strategies across money markets and syndicated facilities, reducing cost
of funds and improving ALM.
Oversaw portfolio and credit risk, enhancing credit quality and profitability through proactive
monitoring and governance.

Managed large corporate credit portfolios, leading end-to-end appraisal, structuring, and
sanctioning of complex, high-value exposures.
Performed in-depth financial and credit analysis, assessing business models, collateral, and
industry risks to ensure prudent lending decisions.
Collaborated with risk, treasury, and external partners, including rating agencies and auditors,
to strengthen credit governance and structured lending initiatives.
Oversaw post-sanction monitoring and portfolio control, maintaining asset quality, covenant
compliance, and early risk identification.

Managed and evaluated mid-corporate credit proposals, ensuring alignment with RBI norms,
Basel III standards, and internal credit risk frameworks.
Prepared and presented credit proposals and sanction notes for senior management
approval, supporting timely and informed decisions.
Monitored sanctioned exposures, tracking asset quality, covenant compliance, and portfolio
performance to mitigate emerging risks.
Collaborated with risk, treasury, and legal functions to ensure accurate structuring,
documentation, and policy adherence.
Conducted financial and risk appraisals to assess repayment capacity, collateral adequacy, and
business viability.

Directed Forex and Trade Finance operations, managing issuance of LCs, bill discounting,
import/export settlements, and cross-border remittances.
Structured and executed trade-related credit facilities, including buyers/suppliers credit and
pre/post-shipment finance to support client liquidity.
Conducted comprehensive credit appraisals for mid-corporate clients, ensuring risk-adjusted
lending and compliance with regulatory guidelines.
Partnered with treasury, risk, and operations teams to enhance trade finance efficiency and
streamline end-to-end execution.
Delivered customized corporate banking solutions, strengthening client relationships and
improving profitability.

Supported clients with bespoke trade finance solutions, improving transaction turnaround
and service delivery standards.
Managed import/export LCs, remittances, and bills negotiation, ensuring regulatory
compliance and operational efficiency.
Oversaw end-to-end Forex and Trade Finance operations, ensuring accuracy, compliance, and
client satisfaction.

Supported retail clients in loans, deposits, and remittances with strong service delivery.
Managed branch cash operations with full audit and reconciliation accuracy.
Maintained regulatory compliance, minimizing operational and transactional risks.