Summary
Overview
Work History
Education
Skills
Workshop And Other Co Curricular Activities
Key Achievements And Accolades
Interests
Timeline
Generic
BHAVIN MEHTA

BHAVIN MEHTA

Head - Governance & Control
Mumbai

Summary

Senior executive leader with track record of driving strategic initiatives and delivering impactful results. Adept at fostering team collaboration and navigating complex organizational challenges. Skilled in Credit approval, Credit underwriting, Deal structuring, Portfolio management, Team handling, Credit Risk processes & policies, Risk management, Risk Governance, various Audits management. Valued for reliability, adaptability, and results-oriented approach.

Overview

19
19
years of professional experience
4010
4010
years of post-secondary education
3
3
Languages

Work History

Senior Vice President 2, Head Governance & Control

INDUSIND BANK
01.2024 - Current
  • Supporting CRO for overseeing the Risk management activities and assist CRO in updating on critical matters including on key portfolio performance, RBI related matters, Delinquencies management, Fraud Risk Management etc.
  • Established effective communication framework for responding RBI's observation ie RMP, RAR etc and to ensure that responses meet the high standards of the bank.
  • Review existing process & policies independently to identify gaps and provide inputs to enhance risk controls .
  • Support certain critical functions within CRO in strengthening their policies, systems & procedures etc and promote a risk culture awareness across the firm.
  • To discuss, apprise and prepare CRO on various Board actionable and related matters.
  • Participate & contribute in Senior Management Committee discussions aimed at implementing new strategies, new opportunities and streamlining operations identified towards productivity improvement.
  • Oversaw Risk-wide changes to modernize procedures and organization.

SVP 1, RCH - Large Corporate - West & NCH - Agri

RBL BANK
01.2023 - 12.2023
  • Managed the portfolio of Large Corporate -West and Corporate Agri portfolio - pan India from the Credit underwriting perspective and ensured that portfolio remains healthy, within the credit appetite of the bank and with nil mortality.
  • Proactive management and monitoring of portfolio led to early identification of stress in the account and ensured that appropriate strategy was taken in consultation with business partners including the timely exit of the account.
  • Active involvement and participation in all Portfolio related strategic discussions and provided necessary inputs & feedback for process improvement and de-bottlenecking of various issues.
  • Maintained the balance between risk & reward and ensure that client onboarded meets the bank’s standard.
  • Team & resource management to ensure that work balance remains within the team and no deal is lost on account of manpower issues.
  • Hired and managed employees to maximize productivity while training staff on best practices and protocols.
  • Established and maintained strong controls on various hygienic factors and ensured that portfolio is reviewed on timely basis in terms of renewals, covenant compliances, updated documentation, stock audit report etc.
  • SPOC for various projects / ad-hoc jobs for CCO desk which includes preparation & presentation of Enterprise risk data, responding on RBI observations, led to improvise and simplify various Credit policies, processes & SOPs, outlining & drawing training course for Front office & Credit team, handling & managing of IFC audit, undertake various portfolio related specific event activities to understand the impact on the portfolio etc.
  • Strengthened relationships with key stakeholders, fostering trust and collaboration across the organization and seen as a trusted partner for the Business development and ensured positive work culture inspite of declining on the deals.
  • Presented and discussed strategy and initiative progress with senior business leaders.
  • Identified the red flag for one of the clients and ensured exit of the exposure before the company went into default which helped the bank to avoid ~INR 250 crs from straight write-off.
  • Managed portfolio never saw any delinquencies inspite of Covid Challenges. Strategic calls for reduction in portfolio and timely exit was done before stress was identified.
  • Enhancement of roles & responsibility by way of assignment of additional portfolio to manage.
  • Instrumental in upgradaing of existing LOS.

VP2, Joint Regional Credit Head

RBL BANK
01.2020 - 03.2021

VP, Senior Credit Manager

RBL BANK
01.2017 - 12.2019

Vice President, Credit

ROYAL BANK OF SCOTLAND
09.2016 - 12.2016
  • Responsible for approving and managing a portfolio of large corporate clients and subsidiaries of foreign MNCs from credit risk perspective.
  • Managed a diversified portfolio of Large Conglomerates such as Tata Group, HUL, Ashok Leyland, Godrej Group etc.
  • Responsible for preparing, reviewing & approving the credit applications as well as liaising with senior credit chain in region for approvals.
  • Involves in depth industry and financial analysis, key credit risk analysis, risk rating of clients and monitoring on quarterly and annual basis.
  • Additional responsibilities include regulatory reporting including ICAAP preparation for the bank.
  • Key roles include stress testing of the corporate credit portfolio and coordinating with several stakeholders to consolidate the ICAAP document.
  • Led £2,000 mln debt syndication for refinancing of RCF facility for subsidiary of one of the India’s largest Automobile Company.
  • Led US$ 240 mln debt syndication for one of the India’s leading Telecommunication companies.
  • Led US$ 120 mln debt syndication for refinancing of FCCB for India’s largest forging company.
  • Involved in US$ 2 bln proposed acquisition deal of UK based fixed Telecom player led by India’s leading Telecom.

Associate, Portfolio Management – Asia

ROYAL BANK OF SCOTLAND
01.2008 - 12.2010
  • Served as an active member of New Deal Team & Credit Risk Reviews for complex credits extracting out from over 9 Asian Countries for premier clients and structuring deals given varied risk parameters.
  • Analyzed and worked in Asian Market having different currency volatility, currency regimes, interest rates & industry spectrum for appreciating credit risk.
  • Effectively & efficiently supported the client facing Sales Team in different countries by carrying out high quality credit portfolio analysis & credit outlook mapping with close coordination with Product & Corporate Finance Team.
  • Expertise in Telecom sector led to play a lead role in providing sector report to Executive group committee responsible for setting the credit appetite in Telecom sector exposure across RBS (involves continuous interaction with various Regional Risk/Sector Heads globally for reviewing entire the sector strategy for the RBS).

Senior Associate, Credit Analyst

INFOSYS BPO
11.2006 - 12.2007
  • Prepared comprehensive report detailing the credit worthiness of the client customers and recommend the exposure limit after conducting a thorough qualitative & financial analysis and determine credit strategy (grow, hold. Reduce).

Senior Associate, Solution Design and Implementation

INFOSYS BPO
03.2006 - 10.2006
  • Prepared executive presentation providing solutions to the clients focusing on Financial Planning and Analysis/Analytics and research.
  • Hosting discussions with clients and presenting Knowledge Service offerings and showcasing our capabilities – proposing and designing solutions for the proposed engagements.

Education

Chartered Accountant -

The Institute of Chartered Accountants of India
India
11.2005

CFA Level III candidate -

The Chartered Financial Analyst (US)
US

BCOM -

South Gujarat University
Surat, India
03.2003

Skills

    Strategic leadership

    Strategic plans

    Process improvements

    Digital transformation

    Corporate presentations

    Financial management

    Policies and procedures

    Policy development

    Credit Underwriting

    Credit Appraisal

    Portfolio Management

Workshop And Other Co Curricular Activities

  • Risk in Supply Chain Trade Finance and Controlling risk in complex transactions by Michael Pimpley
  • Equity valuations by Mr. Prasanna Chandra (IIM Bangalore faculty)
  • Represented college at Inter-College Level for Table- Tennis Competition.
  • A firm believer of theory of Reiki & also obtained 1st Level power.

Key Achievements And Accolades

Successfully transitioned the Credit process in a very short span with accolades from the client for turnaround time for the process transitioned.

Interests

Cricket

Table Tennis

Reiki

Timeline

Senior Vice President 2, Head Governance & Control

INDUSIND BANK
01.2024 - Current

SVP 1, RCH - Large Corporate - West & NCH - Agri

RBL BANK
01.2023 - 12.2023

VP2, Joint Regional Credit Head

RBL BANK
01.2020 - 03.2021

VP, Senior Credit Manager

RBL BANK
01.2017 - 12.2019

Vice President, Credit

ROYAL BANK OF SCOTLAND
09.2016 - 12.2016

Associate, Portfolio Management – Asia

ROYAL BANK OF SCOTLAND
01.2008 - 12.2010

Senior Associate, Credit Analyst

INFOSYS BPO
11.2006 - 12.2007

Senior Associate, Solution Design and Implementation

INFOSYS BPO
03.2006 - 10.2006

Chartered Accountant -

The Institute of Chartered Accountants of India

CFA Level III candidate -

The Chartered Financial Analyst (US)

BCOM -

South Gujarat University

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BHAVIN MEHTAHead - Governance & Control