Deputy Vice President
RBL Bank Ltd
مجموع سنوات الخبرة :9 years, 2 أشهر
• Managing a portfolio of 110 clients across India with a turnover ranging from USD 12 MM to USD 1200 MM from SME, emerging corporate, MNC and corporate banking segments with credit limits ranging from USD 1.8 MM to USD 30 MM
• Facilitating credit approvals within a TAT of 3 days with analysis of financial statements, repayment capabilities and security structures; assessment of business operations and industry profile; study of audited financial reports and rating reports; working on financial spreads and credit approval memo for compliance to bank’s internal credit policies
• Presenting credit proposals of new to bank clients and enhancement in exposure of existing clients to the senior management credit committee of the bank with assessment of credit risks and mitigants for structuring deals at a frequency of minimum 2 proposals in a month
• Performing quarterly review of portfolio to ensure compliance to stipulated covenants, assess business performance, study impact of market and regulatory changes on client performance, identify early warning signals, ensure quality housekeeping, timely renewals, and contain delinquencies
• Engaging in client calls on an on-going basis to understand client needs, structure transactions, evaluate industry performance and analyse operations. Also, visiting manufacturing facilities of clients to understand operations and monitor business
• Credit SPOC for executing priority sector lending targets of the bank in line with regulatory requirements
• Collaborating with internal stakeholders from business, credit administration, trade operations and legal, to ensure portfolio quality, negotiating and structuring deals, streamlining processes, managing critical transactions and monitoring stress accounts
• Portfolio comprises of listed as well as unlisted companies from FMCG sector, export-oriented units, food processing industry, global commodity traders, edible oil industry, solar power, industrial equipment manufacturers and global consulting firms for working capital facilities, export credit, BGs/LCs/SBLCs and term loan facilities
Achievement:
• Single handedly on-boarded 40 new to bank clients under National Credit Head within 1.5 years of joining the bank, building a portfolio of 80+ accounts in food processing industry
• Elevated to the position of Regional Credit Head in October 2022 with sanctioning authority rights for exposure up to USD 3 MM and approving authority for various trade and credit transactions. Joined the bank as Assistant Vice President and promoted to the position of Deputy Vice President in July 2022. In my last role, I was handling dual responsibility of a credit analyst for portfolio in North and South geographies and RCH for pan India clients in food industry
• Nominated for Woman’s Leadership Development Program which is for selective, high performing woman employees of the bank
• Handled a portfolio of 80 clients under Emerging Corporate and Business Banking segment from West and East geographies under Regional Credit Head for working capital, export credit and term loan facilities with credit limits ranging from USD 0.5 MM to USD 12.3 MM. Portfolio comprised of companies in commodity trading, milk processing, shrimp exporters, flour mills, tea exporters, etc
• Undertook credit appraisal of 12 new clients, prepared credit approval memo, structured both secured and unsecured deals, handled yearly renewal of limits, monitored delinquencies, managed housekeeping of assigned portfolio and assessed potential stress indicators
• Engaged in 20 client calls per month to deepen client relationships, understand industry developments, evaluate on-going business performance, assess performance of peers so as to detect potential risk triggers in the portfolio
• Appraised pan-India proposals of warehouse receipt financing of agriculture commodities comprising of 500+ retail clients with total portfolio of USD 370 MM, managed and controlled portfolio level delinquencies, commodity price tracking, liquidation of commodity and recovery of margin shortfalls
• Designed parametrized credit assessment process and credit limit calculator for handling large volumes of retail clients
• Exercised sanctioning authority rights for credit limits of up to USD 0.6 MM
• Structured 2 product programs to meet market requirements in compliance with bank’s policy parameters
• Engaged with credit, operation and IT units for streamlining processes to reduce end to end TAT from 7 to 3 days, bringing in automation, supporting business growth and enhancing customer experience for retail rural clients
• Engaged in client meetings to understand evolving market requirements and assisted in negotiation of contracts with corporates for structured product deals. Successfully closed 3 corporate tie-ups during the tenure
• Handled a team of 2 executives for managing portfolio and pushing business growth by designing and publishing dashboards for delinquencies, house-keeping, and disbursements
• Collaborated with external legal firm and internal stakeholders for designing loan application documents, loan agreements and contracts for corporate tie-ups. Launched a 3-pager loan application cum agreement for rural retail clients.
• Managed relationship with insurance partners and external vendors (banking correspondents) to support business growth.
• Launched 2 new loan products across 12 locations in western India
• Managed a team of 2 sales managers and 10 loan officers for sourcing and executing loan proposals
• Conducted on-site client appraisals and executed sanctioning authority rights while onboarding 80+ new clients
• Initiated 3 rural marketing campaigns and business development avenues through 2 corporate tie-ups
• Collaborated with cross-functional units from credit, products, operations and service quality for sanction and disbursements
• Engaged with senior management for designing product outlines, feeding in market requirements and supporting development of policy parameters