vivek rathi

Since April '11: Yes Bank as Regional Credit Risk Head - Risk Management (SME/Business Banking) - Maharashtra/MP
Approving Authority - INR 2 cr

Key Responsibilities: • Conducting SME credit assessment & risk management for various facilities like cash credit, overdraft, Term loan,
Working Capital Demand Loan, Equipment Finance & Invoice Discounting.

• Carrying out risk profiling, financial analysis, portfolio monitoring & meticulous traction at regular intervals for identifying key risk indicators and taking appropriate action for minimizing credit impairments & potential loss like

o Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick
turnaround and quality of CAM
o Highlighting key risks/concerns. Suggesting effective limit structures, collaterals and covenants.
o Managing portfolio composition with respect to credit rating/quality, industry concentration, granularity,
secured/unsecured.
o Looking after risk analysis of loan proposals by carrying out risk ratings & putting risk mitigants in place
o Undertaking credit risk rating (Borrower's rating & facilities ratings) on financial risk, management risk & business & industry risk parameters
o Enabling structured solution in line with requisite covenants & appropriate risk mitigation within agreed SLA & TAT.
o Timely completion of credit appraisals / renewals/PSMs with effective structures
o Meeting key clients, dissemination of memos/updating internal system/stakeholders and review exposure
strategy
o Timely/ effective closure of transaction requests.

• Conducting regular knowledge and consultancy sessions for sales team to update them about the internal polices and provide them guidance for all the exceptional cases
• Managing credit team to ensure best credit delivery

April' 09 - March 11: ICICI Bank as Policy & Portfolio Head - SME (PAN INDIA)
Key Responsibilities: • Development of new SME loan products both in secured & unsecured segment. Identifying target market
customers, understanding SME needs, developing products suiting customer needs, taking up product with risk
groups, taking clearance of all support groups like legal, compliance, risk etc.
• Heading team of 20 people with portfolio size of Rs.35 bn
• Making business strategies & planning to achieve maximum market share in SME segment.

Sept '05 - March '09: ICICI Bank, Regional Credit Head - Credit Management (SME Division) - West India
Key Responsibilities: • Conducting SME credit assessment & risk management of appraisal note for various facilities like Term loan, Channel
Finance, Working Capital Demand Loan, Equipment Finance & Invoice Discounting in relation to credit policy.
• Carrying out risk profiling, financial analysis, portfolio monitoring & meticulous traction at regular intervals for identifying key risk indicators and taking appropriate action for minimizing credit impairments & potential loss.
• Enabling structured solution in line with requisite covenants & appropriate risk mitigation within agreed SLA & TAT.

August, 2000 - August' 05: K L Rathi & Co, Managing Partner

Role: • Conducted Statutory Audit of Banks, Insurance companies, Corporates
• Conducted Internal Audit of Banks
• Handing local tax laws like Income tax, Sales Tax, VAT, Service Tax, Exise duties etc.