BHAWNA BAIRAGI
Noida
Summary
Results-driven Risk professional with over 6 years of experience in credit risk assessment, portfolio monitoring, and regulatory compliance .Proven ability to analyze the creditworthiness of corporates and SMEs, monitor early warning indicators, and present key risk trends to senior leadership and board committees. Expertise in developing and automating risk dashboards, ensuring covenant compliance, and aligning risk practices with RBI norms
Overview
6
6
years of professional experience
Work History
AVP-Credit Risk Monitoring
Shivalik Small Finance Bank
08.2024 - Current
- Monitored a bank loan portfolio of INR 2,500+ crore, identifying early warning signs using financial ratios, credit scores, and qualitative risk triggers.
- Conducted periodic credit reviews and prepared risk dashboards for senior management and credit committees, ensuring timely interventions.
- Collaborated with relationship managers to assess borrower performance, covenant compliance, and sector-specific risks.
- Collaborated with the data analytics team for the automation of early warning signals framework and LTV monitoring of gold loans.
- Prepared and delivered monthly and quarterly credit risk updates for the Board Risk Committee, covering portfolio trends, sectoral exposures, top obligor watchlists, and emerging macroeconomic risks.
Credit Risk Manager
Standard Chartered Bank
06.2022 - 08.2024
- Assessing the working capital facilities ( fund based & non-fund based limits).
- 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 WC limits, end use monitoring while managing stress accounts and delinquency analysis.
Credit Manager
IDFC First Bank
12.2021 - 06.2022
- Underwriting of Large ticket LAP exposures of upto INR 100 Million by assessing credit worthiness of clients through financial review along with credit discussions.
Credit Manager
HDFC BANK LTD
06.2019 - 12.2021
- Ensuring the portfolio quality of SME funding at the bank while underwriting cases based on research and evaluation of the creditworthiness of client applications valued above INR 7.5 Cr.
- Identifying significant transactional risks pertaining to key lending processes and mitigating it to bring borrowers' risk to minimum levels.
- Conducting Discussions with clients to understand their business models, requirement of funds.
- Developed strategies 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
- Financial Modelling
- Early Warning Triggers & Risk Indicators
- Credit Scoring & Rating Models
- Portfolio Risk Reporting & Analytics
- Covenant Monitoring & Limit Management
- Financial Statement Analysis
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
AVP-Credit Risk Monitoring
Shivalik Small Finance Bank
08.2024 - Current
Credit Risk Manager
Standard Chartered Bank
06.2022 - 08.2024
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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