( A brief snapshot -not more than 1-2 sentences ) Senior managerial assignments in Strategic Management, Risk Analysis & Assessment, Credit Management with a reputed organization.

Professional Summary ( Highlight your key skills-ideally not more than 3-4 sentences)

Nearly 6 years of experience in financial analysis and risk underwriting, planning & management, dealer mgt, credit administration & liasioning.A strategic planner with expertise in analysing existing systems and procedures, designing internal control systems and facilitate effective decision-making.Proficient in Credit Administration involving Credit Appraisals, Verification of Documents, Sanction of Advances etc.A result oriented leader with proven expertise in effectuating risk policies, managing wide risks and implementing mechanisms to mitigate risks.

Proven abilities in evaluating the financials of corporate clients on the basis of their quarterly performance and submitting their report to the top management.Demonstrated skills in team supervision and relationship management as well as exceptional communication abilities to cut across the organisational levels and accomplish results.

Career Highlights- (Show your most recent role first.Show dates. )

Since Jun’05 XYZ - currently as Asst. Vice President – Risk

Chief tasks handled
Underwriting deals for leasing & CISCO factoring business in India.
Identifying risks (Credit / Market Risks) and taking adequate measures to mitigate the same.
Examining, evaluating, reporting, and recommending improvements on the adequacy and effectiveness of management's risk management processes.

Liasioning with
Legal & sales team for handling legal documentation.
Risk Control Group and vet pre-funding documentation

Accomplishments
Received “ Star Award” for partnering with businesses and helping my business’s endeavour to get one new partner as well as enhancing the limits for a couple of other clients by personally championing the proposals through India, Asia & the HQ in USA.
Distinction of being one of the few underwriters in India with an approval limit of $1.5 MM.

Jun’03 – Jun’05: AZF Bank Ltd., as Sr. Manager – RAPG: Dealer Funding

Chief tasks handled
Appraising proposals, conducting risk analysis & scrutinising relevant documents ensuring compliance with bank’s credit policies.
Assessing yearly needs of the automobile dealers and accordingly charting out viable credit limits.
Studying the prevalent market & industry conditions to analyze the client requirement, which in turn, helps in decision making in terms of loan sanction.
Analysis of industry trends, market position of manufacturer and its future outlook.
Supervising the complete credit administration function entailing:
- Setting up approved credit limits in line with bank’s credit policies.
- Appraisal of proposals, conducting risk analysis before sanctioning / disbursing loans.
- Formulation of debt collection mechanisms for timely receipt of money & recovery of bad debts.

Accomplishments
Handled credit Appraisals of dealer funding proposals with a portfolio of over 1000 dealers.
Lead a team of 5 professionals underwriting the Two-wheeler dealer funding proposals with total disbursements of over INR 900 crs per month.

Oct’01- Mar ’03: TNTX Finance Ltd., as Asst. Manager – Inventory Finance

Chief tasks handled
Overseeing the entire dealer financing portfolio involving Credit underwriting / appraisal of each individual dealer.
Evaluating the financials of corporate clients on the basis of their quarterly performance and submit a report to Transamerica, USA.
Scrutinizing Corporate Financial Statements for financing its dealers.

Accomplishments
Handled portfolio of over 450 dealers of different manufacturers

Aug’00 – Sep’01: Commenced career with DMN Bank Ltd., as Management Trainee
(Credit officer on Probation) and efficiently handled Corporate Proposals / Credit Evaluation – Short Term
Loans and Working Capital Finance.

Academic Highlights (Start with your most recent qualifications/training)
MBA (Finance) from Institute of Management Studies, Mumbai University in 2000.
B. Com from College of Commerce Kolkata University in 1998.

Training Attended
Cash Flow & Forecasting Workshop – by US faculty, Thomas de Roque.
Leasing – by Shawn Halladay (Author of various books on Leasing)
Building Essential Leadership Skills – part of Crotonville, USA Global Leadership Curriculum.

Managerial Effectiveness.
Interpersonal Effectiveness & Influencing Skills.

Personal Details (Include factual Information relevant to the job- e.g driving license etc.)

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Leisure/Interests: (optional) Watching and playing sport, current affairs and music.
References: Available on request.
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