Akhil Bansal
Bangalore,KA
Summary
Experienced finance professional prepared for role. Strong focus on risk assessment, credit analysis, and client relationship management. Known for team collaboration and achieving results. Reliable and adaptable, skilled in financial reporting, regulatory compliance, and strategic planning.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Senior Manager
Kotak Mahindra Bank Limited
07.2023 - Current
- Managing credit risk of a wholesale banking portfolio consisting of 300+ borrowers with an overall exposure of ~Rs. 6000 Cr
- Preparing credit risk assessment notes capturing business & promoter background, financial strength, peer comparison, rating rationale, growth outlook, existing bank account conduct
- Assigning final obligor ratings to determine probability of default score and facility ratings to determine loss given default
- Performing credit and personal financial statement analysis on individuals, guarantors, and co-borrowers to evaluate repayment capacity based on cash flow statements, tax returns, and statements.
- Monitoring compliance to base covenants, tracking and reporting performance related information and ensuring that facilities continue in adherence to sanctioned terms and conditions
Manager
IndusInd Bank Limited
11.2021 - 07.2023
- Participated in financial analysis, underwriting and structuring of credit facilities for MSME borrowers
- Identified and implemented process improvements, reducing information redundancy and expediting sanction processes
- Managed stressed accounts having exposure of Rs. 300+ Crore in collaboration with credit monitoring and recovery teams
- Monitored portfolio on regular basis to ensure process compliance by tracking limit utilization, loan covenants, and churning
Manager
Karur Vysya Bank Limited
10.2020 - 10.2021
- Developed an Excel-based financial model for invoice bill discounting, facilitating daily disbursements exceeding Rs. 20 Crores.
- Restructured a stressed LRD account, modifying repayment schedules to align with borrower cash flows, preventing potential NPAs
- Collaborated with transaction banking teams to finalize CMS facilities, enhancing client service offerings
- Participated in legal documentation for a portfolio of 30+ large clients and was able to close almost all critical deferrals
Education
MBA - Finance & Analytics
Great Lakes Institute of Management
Chennai01-2020
B. Tech - Electronics And Communication Engineering
Rajasthan Technical University
Kota01-2017
H.S.C -
C.B.S.E.
01-2012
S.S.C. -
C.B.S.E.
01-2010
Skills
- Financial Statement Analysis
- Corporate Finance
- Equity Analysis
- Options, Futures and Derivatives
- Python, SQL and Advanced Excel
Certification
- Credit Risk Modelling using Python [Udemy]
- Financial Modelling and Valuation [Udemy]
- Risk in Financial Services [Indian Institute of Banking & Finance]
- Management of Commercial Banking [NPTEL]
Timeline
Senior Manager
Kotak Mahindra Bank Limited
07.2023 - Current
Manager
IndusInd Bank Limited
11.2021 - 07.2023
Manager
Karur Vysya Bank Limited
10.2020 - 10.2021
MBA - Finance & Analytics
Great Lakes Institute of Management
B. Tech - Electronics And Communication Engineering
Rajasthan Technical University
H.S.C -
C.B.S.E.
S.S.C. -
C.B.S.E.
Hobbies
Travelling, Reading, Cooking
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