UNIT HEAD CREDIT RISK
BBK
Total des années d'expérience :31 years, 9 Mois
Responsible for Risk Management Policy & Procedures framework & Risk Management Strategy for the Bank; Oversight of Country Risk Management Strategy for the Bank
Member of Risk Management Committee and Country Risk Committee; Invitee to task force committees
Function as Alternate Designated Credit Officer in case of need (Review of credit proposals)
Providing Credit Opinion to Management Credit Committee in case of large exposures
Guidance to Credit Management and Security Administration units
Member of IFRS 9 Implementation Group
Key Achievements:
Revamp of the entire policy structure and strengthening of the credit process
Preempted credit loss through proactive strategies & guidelines
Effective country strategies during global crises
Introduced new Spreading and Grading Systems
Headed a team of credit analysts managing a very large portfolio during a period of high growth in India (approx. US$ 10 Bn. portfolio)
Represented Risk Management in Committee of Executives & Regional Committee
Permanent Invitee to the Products & Processes Committee which reviewed operational processes across all products & services in the Bank
Group Head with responsibility for post-sanction credit management in Corporate Banking, SME, Agriculture business segments across India
Represented the CMO in sanction forums and in Audit Committee; Management of audit by outsourced external audit firms in key areas across India
Key Achievements:
Conceptualizing the structure & process for Middle Office Group (a credit compliance & credit management group) along with project implementation; Critical contribution in Credit Management in the newly merged Bank;
Use of technology - Web-based & BPO models in Credit Management. Strengthening Credit Management tools through technology
Part of expert panels for development of Credit Policies & Loan documentation
Contributions to in-house e-learning programmes
Headed Growth Client Group between 1999 to 2002 with responsibilities for business development in corporate, SME & Agriculture segments
Achieved strong growth (CAGR exceeding 70%) with near zero addition to non-performing assets; Transformed the portfolio from SME to those with major corporates
Key responsibilities for turning around legacy stressed asset portfolio and preventing slippage in asset quality; Business Development & Credit management
Achieved success in turning around portfolios through strong monitoring, structuring of credit & timely restructuring
Posted with a mandate to turnaround the worst-rated branch in the province; achieved turnaround in audit rating apart from reducing NPL levels sharply
High success in restructuring & rehabilitation; innovative structuring; successful management of top-clientele; record trade finance\ foreign exchange business
One of the only 27 chosen from India; record export trade finance business; growth in remittance business by 360%
Head of a Retail Banking Section in a large Branch 1990-1991
Under training as Trainee Officer 1988-1990
Selected for fast track promotion within four years (minimum eligible period) of joining the Bank in 1984