Summary
Overview
Work History
Education
Skills
Training And Workshop
Accomplishments
Education Details
Certification
Singing
Timeline
Generic
Akash Jhalani

Akash Jhalani

Summary

Seasoned Chartered Accountant with over 12 years of expertise in corporate and SME sectors. Specializing in credit and relationship management, product development, policy formulation, portfolio oversight, credit administration, and client servicing within the banking industry. Currently serving as Regional Credit Head for Supply Chain Finance and SME Finance at Axis Bank Ltd since September 2021. Overseeing operations from Jaipur and managing the entire North India region.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Regional Credit Head_SCF and SME

Axis Bank Ltd
09.2021 - Current
  • Company Overview: 3rd largest Private Sector Bank in India and one of the growing Bank.
  • Current profile involves assessing creditworthiness of retail and wholesale banking clients for loan amounts up to 5000 million.
  • Analyzing financials, cash flows and credit history to recommend lending decisions.
  • Ensuring compliance with internal policies and generally accepted credit norms
  • Working with segmental sales and retail branch teams to structure secure credit deals.
  • Maintaining average approval turnaround time of 3-4 days
  • Job profile involves in depth analysis of proposals of supply chain finance, working capital finance, LAP, WCDL, WCTL, LRD and other various structured finance models suitable as per business model.
  • Detailed underwriting involving rating analysis, checking on financial, structural, management and business-related risk parameters and due diligence.
  • I am handling team of 3 credit analysts and 1 CPA for entire Rajasthan, Haryana and Punjab and handling portfolio of 2000 Crores for these regions belonging to North.
  • Detailed credit note, risk summary and term sheet for sanction preparation in consensus with sales team

Area Credit Manager_Commercial Finance

Tata Capital Ltd
12.2019 - 09.2021
  • Company Overview: Leading NBFC and one of the renowned Company of TATA Group.
  • Job profile involved in depth analysis of proposals of supply chain finance/channel finance, LAP, WCDL, WCTL, LRD, corporate loans and other various structured finance models suitable as per business model served by supply chain department, mid corporate department & emerging corporate department.
  • Evaluating creditworthiness of MSMEs, vendors, dealers and anchor partners under supply chain programs
  • I was handling team of 3 credit analysts for entire Rajasthan and handling portfolio of 750 Crores of Rajasthan.
  • Structuring credit programs aligned with anchor cooperates and channel partners and directions to product team as per requirement of the market.
  • Periodically review portfolio performance and exposure at anchor and borrower levels.

Credit Analyst (SME Department)

State Bank of India
11.2017 - 11.2019
  • Company Overview: Leading & largest Multinational Public-Sector Bank of India.
  • Job profile involved in depth analysis of credit risk in SME credit division and to ensure regular monitoring of existing SME loan portfolio (working capital limit, Loan against property, term loan, LC/BD, BG, packing credit limit, channel finance etc.) Catering exclusively to SME Sector.
  • To prepare and submit credit proposals with financial analysis, ratio assessment, risk evaluation and projections to regional and national forum.
  • Adept at analyzing risk inherent in a loan proposal along with its strengths and making decisions with respect to on boarding a case.
  • Part of twenty-five-member team involved in managing and monitoring the health of portfolio of approximately 1750 crores in Rajasthan.

Credit Analyst (SME Department)

Indusind Bank Ltd
04.2015 - 11.2017
  • Meeting customer and doing personal discussions. Suggesting optimal solutions to customer needs. Conducting business visits, due diligence, and profile verification by various internal and external sources. Responsible for driving credit policies and suggesting changes needed in SME business policy to business. Handling entire Rajasthan for SME advances.
  • Credit Analysis covering critical analysis of key business drivers, dynamics of business, management evaluation, financial analysis, evaluation of risk inherent in business and its model and security evaluation.
  • Unrivaled expertise in developing and implementing product programs with proficiency in establishing new products related to SME advances in conjunction with credit and market risk, operational risks.
  • Building a quality portfolio of advances, monitoring it on regular basis, identifying early warning signals.
  • Suggesting appropriate exit strategy. Handling and identifying potential NPA account and taking appropriate steps to upgrade the account jointly with legal, sales and collection teams.

Credit & Relationship Manager (Rural and Inclusive Banking Group)

ICICI Bank Ltd
11.2012 - 04.2015
  • Job profile became more comprehensive involving sourcing of proposal, note preparation, getting cases sanctioned from sanctioning authorities and ensuring disbursement of the case.
  • Administration of pre and post sanction activities of borrower accounts of all constitutions including private limited and limited companies.
  • Coached team members on to develop skills and confidence in their ability to examine proposals and disbursement (work) processes.
  • Recognized for the ability to develop consensus for strategic planning, proven ability in prompt and speedy process from lead generation to coordinating with credit and operations team for loan sanction and ultimate disbursement.
  • Ensure timely renewal, review and recovery follow-ups if required.

Education

C.A. Final -

ICAI
Jaipur, India
05.2012

Bachelor of Commerce -

University of Rajasthan
01.2010

Skills

  • Team Player, Leadership Role since last 7 plus years
  • Credit Risk Analysis & Financial Statement Analysis
  • Loan Underwriting, Regulatory Compliance (KYC/AML), Collateral Evaluation
  • Decision-Making & Risk Mitigation
  • Deep understanding of Credit Scoring Models Portfolio Monitoring
  • Strong written and verbal communication skills, negotiation and sales, interpersonal skills Fluent with MS Office usage
  • Professionally Qualified (CA) with strong product and process knowledge in banking sector
  • Hands on in writing approval note making, risk summary for quick scan for decision making
  • Proficient in maintaining in depth interaction with the client regarding the loan proposal and in assessing risk inherent in business model
  • Sensitivity and empathy Visible Leadership (People engagement and performance)

Training And Workshop

  • Attended 2-day workshop on 'Passion at Workplace' and a 3-day programme on 'Managerial Effectiveness' facilitated by ICICI Bank at its learning Centre at Jaipur.
  • Attended 12 days residential training programme at SBI Institute of HRD Indore related to SME Credit.

Accomplishments

  • Facilitated sanction of multiple cases which included various structures involving overdraft, term loan, bank guarantees, letter of credit as well as export credit facilities.
  • Gave training sessions to new recruits regarding financial analysis and appraisal of loan proposals.
  • Recipient of 'Exemplary performer' certificate and 'Gold Medal' awarded for outstanding contribution and services at ICICI Bank.
  • Promoted to Chief Manager from Manager in 08/17 at IndusInd Bank Ltd.
  • Successfully completed Moody's Certificate Course of Commercial Credit at SBI Bank Ltd.

Education Details

ICAI, New Delhi, C.A. Final, 05/12, University of Rajasthan, Bachelor of Commerce, 05/10, 67.78%

Certification

Moody's Certificate Course of Commercial Credit at SBI Bank Ltd.

Singing

Indian Classical

Timeline

Regional Credit Head_SCF and SME

Axis Bank Ltd
09.2021 - Current

Area Credit Manager_Commercial Finance

Tata Capital Ltd
12.2019 - 09.2021

Credit Analyst (SME Department)

State Bank of India
11.2017 - 11.2019

Credit Analyst (SME Department)

Indusind Bank Ltd
04.2015 - 11.2017

Credit & Relationship Manager (Rural and Inclusive Banking Group)

ICICI Bank Ltd
11.2012 - 04.2015

C.A. Final -

ICAI

Bachelor of Commerce -

University of Rajasthan

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Akash Jhalani