Mangal Pandey

Lead 15-member team managing ₹500 crore ($60M+) credit portfolio across MSME and
mid-corporate segments with full P&L accountability.
• Oversee end-to-end credit lifecycle including underwriting, approvals, renewals,
restructurings, and stressed asset resolution across 100+ active borrower
relationships
• Present credit proposals and restructuring cases to sanctioning and risk committees
with 95%+ approval rate, demonstrating strong credit packaging and risk
articulation
• Structure tailored lending solutions aligned to client credit needs, collateral profiles,
and risk appetite across term loans, working capital facilities, and trade finance
products
• Monitor covenant compliance (DSCR, leverage ratios, current ratio) at account and
portfolio levels, maintaining zero covenant breaches through proactive client
engagement
• Identify early warning signals and drive corrective actions on stressed exposures,
reducing potential NPAs by 40% through timely intervention and workout strategies
• Champion credit governance improvements and regional policy updates,
streamlining approval TAT by 25% while maintaining credit quality standards
• Manage internal, external, and regulatory audit processes with zero critical
observations in last two cycles, ensuring full compliance with RBI guidelines
• Achieved 20% portfolio growth since March 2025 through strategic client acquisition
and relationship deepening initiatives while maintaining NPL ratio below 2%

Managed $3.5B+ credit portfolio covering Fortune 500 and multinational corporates across
full deal lifecycle from origination to monitoring. Prior L1 Visa holder with US work
authorization experience.
• Structured and underwrote acquisition finance, leveraged finance, and complex
structured credit facilities totalling $2.0B during tenure across investment grade
and sub-investment grade corporates
• Executed bilateral and syndicated deals including TL-A, TL-B, RCF, SCF, guarantees,
and SBLCs across primary and secondary markets with deal sizes ranging $50M-
$500M
• Prepared comprehensive underwriting notes, transaction write-ups, and credit
committee papers for senior sanctioning authorities, achieving 90%+ first-time
approval rate
• Built and reviewed three-statement financial models with integrated cash flow,
scenario, and sensitivity analysis for credit decisioning across diverse industry
sectors
• Applied RAROC, ICAAP, LGD/EAD, and capital allocation metrics to optimize risk
return across portfolio while maintaining regulatory capital requirements
• Coordinated with syndication desks and treasury teams across Hong Kong,
Singapore, and London for cross-border deal execution and multi-currency facilities
• Led financial, commercial, legal, and operational due diligence coordinating with Big
Four firms, rating agencies (S&P, Moodys, Fitch), and legal counsel
• Monitored covenant compliance including DSCR, leverage ratios, and collateral
coverage for 40+ active borrower relationships with quarterly financial reviews
• Supported AML, KYC, and OFAC compliance initiatives as CAMS-certified
professional with zero regulatory findings during OCC examination cycles
• Drove portfolio growth of $1.5B over three years while maintaining investment
grade weighted average rating and NPL ratio below 1.5%

Originated, structured, and underwrote bilateral and syndicated corporate credit facilities
managing $240M+ mid-market portfolio across manufacturing, services, and trading
sectors.
• Managed end-to-end credit lifecycle including renewals, amendments,
enhancements, and restructurings across 60+ corporate relationships with ticket
sizes $2M-$15M
• Conducted comprehensive financial, commercial, and risk due diligence for mid
market and large corporate borrowers including site visits and management
meetings
• Built industry analysis, sector studies, and competitor benchmarking frameworks
integrated into underwriting decisions for manufacturing and services sectors
• Structured complex borrowing solutions for promoter-led and HNI-backed corporate
groups with multi-entity exposure and cross-guarantees
• Delivered 360-degree wallet capture across group entities, promoters, employees,
and associates generating ₹50 Cr+ in ancillary business (deposits, forex, trade
finance)
• Identified NPAs early and supported recovery strategies achieving 70% resolution
rate on stressed accounts through effective negotiation and restructuring
• Achieved consistent 25%+ YoY portfolio growth while maintaining NPL ratio below
2% through disciplined credit selection and active portfolio monitoring

Served 8+ years in technical operations and administrative roles developing strong
discipline, leadership, and operational excellence capabilities that translate directly to
banking governance and risk management.