BIPIN TIWARI
Kalyan
Summary
Seasoned banking leader with 15+ years’ experience in Corporate Credit underwriting, Risk Management, and Syndication. Proven track record in digitizing credit processes, enhancing compliance, and driving project success through Agile methodologies. Adept at cross-functional collaboration, delivering impactful solutions that align with client needs and optimize portfolio performance.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Vice President & Approver Underwriting Large Corporate
Axis Bank
07.2015 - Current
- Manage Large Corporate Clients with portfolio size of Rs.40,000 crs+ in the Pharmaceuticals, Chemicals, and Trade sectors, handling diverse proposals including working capital, term loans, capex & acquisition funding, structured credit and Syndication deals.
- Collaborate with the business origination team to review and validate credit proposals, analyzing historical and projected financials against industry benchmarks, peer performance, and business models.
- Interact directly with Promoters, CFOs to understand business requirements, assess operational strengths, and recommend tailored financial products that align with client needs and growth strategies.
- Partner with Risk, Compliance, and CARO teams to ensure proposals meet internal policies, RBI guidelines, Basel norms, and AML/KYC standards.
- Present proposals to credit committees, articulating key risks, sectoral challenges, and mitigants such as covenants, collateral structures, and cash flow controls to support informed sanctioning decisions.
- Track portfolio performance through quarterly results, rating agency feedback, and peer insights; identify early warning signals and escalate issues for timely corrective action.
- Prepare and deliver presentations to senior management and stakeholders, providing sector updates, portfolio reviews, and risk assessments to guide strategic decision‑making.
AVP & Credit Analyst (Business)
State Bank of India
07.2010 - 06.2015
- Specialized in the Gems & Jewellery segment, understanding the unique credit needs of MC & SME clients. Counseled promoters on financial structuring, industry challenges, and operational improvements that benefited both clients and the bank.
- Represented the Client and Bank in consortium meetings, negotiating business share, sanction terms, and post‑sanction formalities with peer banks.
- Partnered with Mira Inform, Dun & Bradstreet, rating agencies, valuers, and empaneled lawyers to conduct due diligence and address transaction risks.
- Analyzed financial statements, validated projections against peers and industry outlooks, and assessed facilities to be granted. Prepared proposals covering financial, management, industry, and business risks in line with internal rating frameworks.
- Addressed and resolved RBI and internal audit queries, implementing corrective measures.
- Prepared and presented credit proposals to sanctioning authorities, articulating risks and mitigants.
- Monitored client accounts through stock statements, FFRs, and key performance metrics to flag early risks and ensure smooth post‑sanction conduct. Structured transactions with appropriate collaterals, guarantees, and covenants to safeguard the bank’s exposure.
Education
PGDM -
Welingkar Institute of Management, Development & Research
Mumbai01.2010
B.E. - Mechanical
Shivajirao S. Jondhale College of Engineering
Mumbai01.2007
LL.B. -
University of Mumbai
01.2014
Skills
- Corporate Credit & Risk Management
- Consortium & Syndication Deal Execution
- Portfolio Monitoring & Early Warning Signals
- Digitization & Automation (Credit Processing System)
- Project Management (Agile, BRDs, UAT, Go‑Live)
- Generative AI in Finance & Digital Transformation
- Cross‑Functional Collaboration (Management, Business, Risk, Compliance, IT)
Affiliations
Additional Self-driven Responsibility Projects & Change Leadership
Credit Processing System Digitization [Axis Bank 2015-till date]
- Served as Platform Owner, leading the end‑to‑end digitization of the bank’s Credit Processing System.
- Applied Agile and SCRUM methodologies to manage cross‑functional squads (Business, Risk, Compliance, CARO, IT).
- Authored Business Requirement Documents (BRDs), presented proposals to Change & Product Committees, and coordinated UAT, test scenarios, and go‑live activities.
- Delivered measurable impact by reducing turnaround time, improving data accuracy, and enhancing compliance tracking.
- Recognized with multiple 4 & 5 performance ratings and awarded for exemplary contributions as Platform Owner.
- Process Simplification & Automation
- Redesigned Credit Appraisal Formats and Term Sheets for Large Corporate proposals, improving clarity and efficiency.
- Automated MIS reporting for the Wholesale Banking Group, enabling faster decision‑making and reducing manual errors.
- Built and trained a dedicated support team within the Credit Department, embedding process discipline and knowledge sharing.
Certification
- Design Thinking & Innovation - University of Virginia | Darden School of Business
- Adaptability & Resiliency - University of California | Davis
- Generative AI in Finance - Coursera-Board Infinity
- AI for Everyone - Coursera (Fractal)
- ChatGPT - Coursiv
- Agile Learner & Impactful Storyteller - Dale Carnegie
Accomplishments
- Instrumental in digitizing the Credit Processing System in Axis Bank since FY17.
- Awarded for exemplary contributions as Platform Owner of the 'Credit Processing System.'
- Awarded 4 & 5 rating (5 being best) on various occasions.
Timeline
Vice President & Approver Underwriting Large Corporate
Axis Bank
07.2015 - Current
AVP & Credit Analyst (Business)
State Bank of India
07.2010 - 06.2015
PGDM -
Welingkar Institute of Management, Development & Research
B.E. - Mechanical
Shivajirao S. Jondhale College of Engineering
LL.B. -
University of Mumbai