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Sobhan Parida, Vice President/Head –Credit Risk / Deputy CRO (India Branch)

Sobhan Parida

Vice President/Head –Credit Risk / Deputy CRO (India Branch)·Bank of Bahrain & Kuwait BSC

India

Master's degree, Finance

Work experience

Total years of experience: 23 years, 3 months

Vice President/Head –Credit Risk / Deputy CRO (India Branch)

June 2023 - Present

Bank of Bahrain & Kuwait BSC

Mumbai, India

June 2023 - Present

 Lead the Credit Risk function of India Operations for corporate as well as retail lending
 Review credit risks of lending proposals and recommend suitable funding structures
 Present credit proposals to Management Credit Committee at Bahrain for approval
 Monitor portfolio quality and ensure adherence to policy norms and sanctioned covenants
 Maintain and upgrade credit risk policies of India Operations on timely basis and in confimity to RBI guidelines
 Co-ordinate with internal and external auditors and ensure closure of gaps in audit reports
 Convene monthly Risk Management Committee to identify, assess and manage various risks that might impact the Bank’s long-term sustainability
 Conduct regular portfolio review along with Business teams and customers
 Engage in resource and manpower planning exercise for Credit Department
Company industry:
Banking

Deputy Vice President 2

September 2018 - Present

Indusind Bank Ltd.

Mumbai, India

September 2018 - Present

 Source, structure and evaluate funding proposals for corporate clients and offer financial solutions including working capital finance, project finance, trade finance and receivable discounting.
 Start and develop a well-diversified relationship portfolio of corporate customers in West and North Zones to ensure stable income source for the bank.
 Facilitate preparation of financial models and credit notes, termsheet negotiations, presentation to credit committee and completion of internal rating exercises
 Ensure monitoring of clients in portfolio to maintain credit quality of the portfolio and identify early warning signals of stress
 Operate as Solution Banker for Corporate clients by catering to their complete banking requirements
 Develop and manage a portfolio of relationship-based clients in West and North Zones.
 Manage a team of credit analysts and business originators to ensure achievement of income targets.
Company industry:
Banking
Job role:
Finance and Investment

Regional Head – Mid Corporate Group (UPUK-2)

May 2022 - June 2023

ICICI Bank Ltd.

Varanasi, India

May 2022 - June 2023

 Lead the Mid Corporate vertical for UPUK-2 Zone of Uttar Pradesh state covering 8 regions
 Supervise structuring of transaction to comply with both internal and external policies
 Design and implement market strategies to ensure sustainable portfolio growth
 Monitor portfolio quality by identifying customer stress and initiating corrective measures
 Lead a team of Managers to ensure timely evaluation and decision-making on proposals
 Co-ordinate with other business verticals to ensure per-client 360 degree profitability
 Lead a large team of Relationship Managers to achieve income targets
Company industry:
Banking

Senior Deputy Vice President – CCBG

August 2018 - May 2022

IndusInd Bank Ltd.

Mumbai, India

August 2018 - May 2022

 Manage the asset portfolio of Mid-Corporate/SME vertical for Mumbai
 Facilitate credit evaluations and committee presentations for credit proposals
 Lead client negotiations for closures of proposal termsheets
 Monitor portfolio credit quality, identify stress signals and undertake corrective measures
 Develop and manage a team of corporate bankers by fostering a collaborative and performance-driven culture
Company industry:
Banking

Transaction Leader (Zonal Head) – WBG

February 2017 - August 2018

L&T Financial Services Co. Ltd.

New Delhi, India

February 2017 - August 2018

 Lead the Transaction teams for Structured Finance and Project Finance of North Zone
 Facilitate origination and structuring of corporate funding proposals including project finance, structured finance and mezzanine funding
 Supervise preparation of financial models, termsheet negotiation, credit committee presentation and portfolio quality maintenance
 Design and implement strategy for developing a diversified clientele base in selected industries like Renewables, Roads, Hospitality and Urban Infrastructure
Company industry:
Financial Services

Chief Manager - Corporate Banking

November 2010 - February 2017

ICICI Bank Ltd.

Delhi, India

November 2010 - February 2017

 Evaluate credit risk of debt proposals of MNC clients and large Indian corporates and develop a healthy portfolio
 Structure debt funding opportunities based on requirements of corporate clients and bank strategies
 Present funding proposals to credit committee for approval
 Manage CXO-level relationships with MNC clients and large corporate clients
 Spearhead cross-selling activities by utilizing existing relationships to promote other key products of the bank
Company industry:
Banking
Job role:
Banking

Sub Group Head – Global Corporates Group

November 2010 - February 2017

ICICI Bank Ltd.

New Delhi, India

November 2010 - February 2017

 Lead the European Business Desk for ICICI Bank for North Zone
 Collaborated with overseas branches to facilitate development of global relationships with European MNCs operating in India
 Supervise sourcing and evaluation credit risk for debt funding proposals for MNCs/Large Corporates
 Manage a team of Relationship Managers and Asst. Relationship Managers
 Forge strong CXO/senior management relationships with MNCs/Corporates as well as Chambers of Commerce in Embassies of various countries
Company industry:
Banking

Senior Manager – Project Acquisition

March 2010 - November 2010

Coastal Projects Ltd.

Hyderabad, India

March 2010 - November 2010

 Evaluate project acquisition opportunities in infrastructure sector
 Prepare financial models to facilitate Go/No-Go decisions for project acquisition
 Manage relationship with Banks/Investors and negotiate fund raising term-sheets
Company industry:
Construction & Building

Sector Head

November 2008 - March 2010

Oracle India Ltd.

Delhi, India

November 2008 - March 2010

 Provide financial and business advisory services to the internal strategy team on Power and Utilities sector
 Lead a team of 5 Sector Specialists/Senior Associates and ensure maintenance of high deliverable quality
 Engage in financial feasibility and ROI studies to evaluate product fitment for target companies
 Support the M&A team of Oracle for initial appraisal and evaluation of acquisition targets
Company industry:
Software Development
Job role:
Research and Development

Sector Head – Global Insight Team (Utilities)

November 2008 - March 2010

Oracle India Pvt. Ltd.

Gurgaon, India

November 2008 - March 2010

 Conduct financial and risk analyses of clients and recommend cost saving and revenue enhancement avenues
 Work with product specialists and sales team on consultative engagements
Company industry:
IT Services

Manager - Wachovia Private Equity

March 2006 - November 2008

GENPACT

Delhi, India

March 2006 - November 2008

 Analyze equity as well as debt opportunities as per Wachovia’s financing/investment policies
 Prepare valuation models and feasibility study reports for identified opportunities
 Present investment pitches to Wachoiva’s Credit Committee in Charlotte, US for approval
 Assist due diligence consultants in preparation of due diligence reports
 Explore potential investment opportunities in Indian infrastructure sector
Company industry:
Economics & Financial Consulting
Job role:
Accounting and Auditing

Manager – Private Equity (Wachovia)

March 2006 - November 2008

Genpact Inc.

Gurgaon, India

March 2006 - November 2008

 Source, structure and evaluate private equity/strategic debt proposals in infrastructure sector for Wachovia N.A
 Present valuation models and investment pitches to Credit Committee in Charlotte, US
Company industry:
Knowledge Process Outsourcing (KPO)

Manager - Corporate Ratings

September 2005 - March 2006

CRISIL Ltd.

Chennai, India

September 2005 - March 2006

 Analyze the financial and business strengths of corporate clients
 Understand the future strategies of the clients through discussions with their Top Management
 Assign credit ratings to Corporate clients in auto-ancillary and paper industries
 Conduct market research based on primary and secondary market information
Company industry:
Economics & Financial Consulting
Job role:
Accounting and Auditing

Manager – Corporate & Infrastructure Ratings

September 2005 - March 2006

CRISIL Ltd. (subsidiary of S&P in India)

Chennai, India

September 2005 - March 2006

 Assess credit risk of corporates in power, auto-ancillary and paper sectors
Company industry:
Financial Services

Deputy Manager - Credit

August 2004 - September 2005

Axis Bank Ltd.

Chennai, India

August 2004 - September 2005

 Appraise loan proposals of SME clients from branches of Karnataka and Kerala states
 Rate the credit risk of SME clients using web-based rating tool designed with the help of BCG
 Financial, Business, Management appraisal of corporate clients
 Maintain a healthy portfolio of SME loans from Karnataka and Kerala states
Company industry:
Banking
Job role:
Accounting and Auditing

Deputy Manager – Credit

August 2004 - September 2005

Axis Bank Ltd.

Chennai, India

August 2004 - September 2005

 Conduct credit appraisal for Agri-lending and priority sector lending proposals
Company industry:
Banking

Manager - Credit

March 2003 - August 2004

ING Vysya Bank Ltd

Hyderabad, India

March 2003 - August 2004

Agri & Social Banking
Company industry:
Banking
Job role:
Accounting and Auditing

Manager – Agri & Social Banking Group

March 2003 - August 2004

ING Vysya Bank Ltd. (Currently Kotak Bank)

Hyderabad, India

March 2003 - August 2004

 Conduct credit appraisal for Agri-lending and priority sector lending proposals
Company industry:
Banking

Education

Indian Institute of Management, Ahmedabad

March 2003

March 2003

Master's degree, Finance

India

Indian Institute of Management

March 2003

March 2003

Bachelor's degree, ABM

India

College of Agriculture, OUAT, Bhubaneswar

November 2000

November 2000

Bachelor's degree, Agriculture

India

College of Agriculture, OUAT

November 2000

November 2000

Bachelor's degree, Agriculture

India

Skills

Asset Based Lending
Expert
Asset Based Lending
Expert
Private Equity Funding
Expert
Private Equity Funding
Expert
Corporate Credit
Expert
Corporate Credit
Expert
Investment Banking
Expert
Investment Banking
Expert
Project Finance
Expert
Project Finance
Expert
CREDIT RISK MANAGEMENT
Intermediate
CREDIT RISK MANAGEMENT
Intermediate
FINANCIAL ANALYSIS
Intermediate
FINANCIAL ANALYSIS
Intermediate
PORTFOLIO MANAGEMENT
Intermediate
PORTFOLIO MANAGEMENT
Intermediate
DEAL STRUCTURING
Intermediate
DEAL STRUCTURING
Intermediate
STRATEGIC PLANNING
Intermediate
STRATEGIC PLANNING
Intermediate
FINANCIAL MODELING
Intermediate
FINANCIAL MODELING
Intermediate
PROJECT FINANCE
Intermediate
PROJECT FINANCE
Intermediate
TRAINING AND DEVELOPMENT
Intermediate
TRAINING AND DEVELOPMENT
Intermediate
AUTOMATION
Intermediate
AUTOMATION
Intermediate
TEAM MANAGEMENT
Intermediate
TEAM MANAGEMENT
Intermediate
Business Origination
Intermediate
Business Origination
Intermediate
Business Planning & Analysis
Expert
Business Planning & Analysis
Expert
Team Management
Expert
Team Management
Expert
Credit Analysis
Expert
Credit Analysis
Expert
Deal Structuring
Expert
Deal Structuring
Expert
Project Financing
Expert
Project Financing
Expert
Investment Analysis
Expert
Investment Analysis
Expert
Asset Based Lending
Expert
Asset Based Lending
Expert
Private Equity Funding
Expert
Private Equity Funding
Expert
Corporate Credit
Expert
Corporate Credit
Expert
Investment Banking
Expert
Investment Banking
Expert
Project Finance
Expert
Project Finance
Expert

Languages

English

Expert

Hindi

Expert

Training and Certifications

Certifications
Certification course on Basics of Financial Modelling
Managerial Effectiveness
Advanced Corporate Credit Risk Analysis course
Introduction to Environmental, Social and Governance (ESG) factors and concepts
Training
Managerial Effectiveness
ICICI Bank Ltd.
May 2012
Advanced Corporate Credit Risk Analysis
CRISIL Ltd. (Subsidiary of S&P)
Sep 2010
Investment Analysis and valuation
Wachovia Training Centre
Apr 2006