Kruti Handa

• Lead coverage of 150 SME and Mid-Corporate clients with combined credit exposure of INR 3, 000+ Cr. (AED 1.16 Bn.)
• Leading a team of 8 relationship and credit professionals, accountable for client acquisition targets, portfolio monitoring, and
team KPIs.
• Developing and executing business strategies to drive client acquisition, deepening existing relationships, and achieving portfolio
growth objectives.
• Appraising proposals through detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management
Risk, Industry Risk and Economic conditions.
• Governing credit risk through Early Warning Signal frameworks and disciplined NPA management, maintaining strength and quality
while supporting portfolio growth targets.

• Managed a portfolio of 22-25 SME clients with fund-based book of INR 600 Cr (AED 233 M), ranging from textile manufacturing,
wholesale and retail trading and service industry.
• Structured working capital, term loan, and trade finance facilities tailored to client business cycles and cash flow paterns.
• Conducted deep financial analysis - balance sheet evaluation, ratio analysis, and cash flow modelling, to underwrite complex
credit propositions.

• Managed SME client relationship book of INR 450 Cr (AED 175 M), with focus on working capital, trade finance, and structured
lending solutions.
• Structured credit facilities including Cash Credit, Overdraft, Term Loans, Leters of Credit, and Bank Guarantees, while ensuring
NIL NPA slippages.
• Prepared detailed credit proposals and internal rating assessments for credit commitee approvals; advised clients on optimal
financing structures.

• Managed a portfolio of 40+ SME clients across steel, engineering, chemicals, and manufacturing sectors.
• Supported structuring of working capital and trade finance solutions; performed financial statement analysis and prepared credit
proposals.
• Monitored client transaction behaviour to assess business performance and identify risk indicators early.