BHAWNA BAIRAGI
Rohini
Summary
Experienced Credit Manager with over 4 years of lending expertise having proven track record of consistently delivering highest levels of performance by exhibiting deep understanding and knowledge of financial modelling, credit analysis and risk management.
Overview
5
5
years of professional experience
Work History
Credit Risk Manager
Standard Chartered Bank
06.2022 - Current
- Assessing the working capital facilities ( fund based & non-fund based limits) such as Cash Credit, Overdraft, Bill Discounting, Letter of credit, Bank Guarantee, Buyer’s Credit, EPC, PCFC etc having exposure upto INR 250 Million
- Interacting with SME and mid corporate clientele to assess fund requirement for working capital needs to decision sanction within policy framework of bank meeting prescribed TAT norms.
- Gained expertise in Credit & Portfolio Analysis, credit administration involving credit appraisals, sanction & disbursement of Loans, end use monitoring while managing stress accounts and delinquency analysis.
- Annual review and renewal of portfolio accounts with consistent portfolio monitoring through SAR.
Credit Manager
IDFC First Bank
12.2021 - 06.2022
- Credit underwriting of loan applications of both corporate and retail clients under different mortgage products .
- Underwriting of Large ticket LAP exposures of upto INR 100 Million by assessing credit worthiness of clients through financial review along with credit discussions.
- Effectively collaborating with different stakeholders like Sales, Operations and Risk team for timely decisioning of cases while keeping
Credit Manager
HDFC BANK LTD
06.2019 - 12.2021
- Ensuring portfolio quality of SME funding of Bank while underwriting cases basis research and evaluation of credit worthiness of client applications of value of over 75 million.
- Understanding different sectors and inspecting key business risks and issues in order to undertake credit risk analysis while providing lending decisions.
- Identifying significant transactional risks pertaining to key lending processes and mitigating it to bring borrowers' risk to minimum levels.
- Conducting Personal Discussions with clients to understand their business models, requirement and application of funds by maintaining integrity and security of data submitted.
- Preparation of MIS, reports for consolidation, representation of data and drawing analysis from it to develop future plan of action.
- Developed strategies and solutions for clients affected by COVID requesting restructuring by operating within RBI guidelines and bank policy framework thereby resolving problematic accounts.
Education
MBA - International Business Management
Shri Ram College of Commerce, University of Delhi
New Delhi05.2019
B. COM(Honors) - Commerce
Shri Ram College of Commerce, University of Delhi
New Delhi05.2016
HSC(12th) - Commerce
Modern Senior Secondary School
Kota03.2013
SSC(10th) -
Modern Senior Secondary School
Kota03.2011
Skills
- MS Office
- Risk Analysis
- Financial Modelling
- Performance Monitoring
- Client counseling
- Team Building
- Customer Service
- Data management
Accomplishments
- Felicitated with Service Star Award for Oct'23 for exceptional performance in credit risk in Q2 of FY 23.
- Awarded WOW performance for contribution in restructuring of Rs.1.5 billion LAP portfolio
- Awarded Fraud Prevention Award in Oct'20 for identifying GST fraud of Rs. 1.4 billion while underwriting a case of Rs. 90 Million
- Recognized with Emerging Star Award in Jan'20 for outstanding performance in risk assessment.
Timeline
Credit Risk Manager
Standard Chartered Bank
06.2022 - Current
Credit Manager
IDFC First Bank
12.2021 - 06.2022
Credit Manager
HDFC BANK LTD
06.2019 - 12.2021
MBA - International Business Management
Shri Ram College of Commerce, University of Delhi
B. COM(Honors) - Commerce
Shri Ram College of Commerce, University of Delhi
HSC(12th) - Commerce
Modern Senior Secondary School
SSC(10th) -
Modern Senior Secondary School
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