Dhiraj Kashyap
Area Credit Head
Mumbai
Summary
Results-driven finance professional with over 14 years in Working Capital and Term Debt Lending, specializing in credit administration, risk management, and compliance. Expertise in loan disbursement and client relationship management, with a strong focus on risk assessment and mitigation strategies. Knowledgeable in various loan products, enhancing operational efficiency and delivering tailored financial solutions.
Overview
15
15
years of professional experience
1
1
Language
Work History
Area Credit Head in MEG
Axis Bank Ltd.
Mumbai
03.2023 - Current
- Appraising and recommending working capital, term loan incl. Project Loan, CF proposal up to INR 1000-1500 million for Mumbai region.
- Hold individual sanctioning authority of INR 150 Million.
- Monitoring the portfolio and keeping a check against any adverse movement in industry/geography/product etc.
- Ensured compliance with statutory guidelines, minimizing risk and maintaining operational integrity.
Credit Officer
Citibank N.A.
04.2019 - 02.2023
- Exercised individual approval authority for credit proposals up to USD 1 Million, facilitating timely financing decisions.
- Reviewed and recommended working capital and term loan proposals up to USD 3 Million for Mumbai, Pune, and Gujarat, enhancing regional financial support.
- Tracked portfolio performance throughout the year using call memos and customer interactions.
Credit Analyst – BBG
IndusInd Bank
07.2015 - 03.2019
- Credit appraisal for working capital/term loan facilities up to INR 350 million floated by the business group for Mumbai region.
- Ensured alignment with legal standards and policy compliance for operational integrity.
- Assisted RM in disbursing and monitoring loan portfolio to optimize performance.
- Trained newly recruited candidates on working capital lending processes to enhance team capability.
Consulting SME clients
12.2014 - 07.2015
- Consulting SME clients with regards to their working capital and term loan requirement
Credit & Relationship Manager - Business Loan Group
ICICI Bank Ltd.
11.2011 - 12.2014
- Assessed client acquisition requirements and provided tailored solutions, ensuring compliance with processes, policies, and product guidelines while aligning cases with appropriate lending programs based on financial ratios and securities offered.
- Analysis of the cases for working capital and another requirement on the basis of financial statements, conduct with existing bankers, securities offered, business profile of entity and promoter and other relevant factors
- Monitored portfolio to identify early warning signals and coordinated with stakeholders to facilitate timely actions.
- Restructured portfolio to align with specific situational demands.
- Collaborated with CRISIL Team to develop software automating end-to-end processing of working capital loan proposals, defining stages, actions, timelines, policy parameters, and transaction movements.
- Defining the timeline of each stage
- Defining the policy parameters in the applicable stages to automatically filter the case as per Bank’s policy
- Suggesting the various display layout in the software to capture the whole proposal, financials etc.
- Defining the movement of transaction to the respective authority as per the approving authority and deviation matrix
Education
CA -
ICAI
Kolkata01-2011
B.Com. - undefined
Umeshchandra College
Kolkata01-2009
Skills
- Tally ERP 9, Ace, Analyst, Finacle (Banking Software)
- Credit analysis
Articleship
- Organization: Manish Mahavir & Co. (CA Firm), Kolkata
- Role: Article Assistant
- Period: Sept’07- Mar’11
- Responsibilities:
- Directed tax related appeals of company & appeared before the concerned authorities of Income Tax Department for the same
- Ensure compliance to ICAI accounting standards by advising the clients in preparing Balance Sheet & P&L A/c during the audit of accounts.
- Handled taxation matters of the company like filing of Income Tax Return, TDS, Sales Tax Returns as well as tracking other relevant Acts
- Conducted internal audits for expenses, purchases, sales of company’s manufacturing unit, branches, departments, etc.
- Banking Experience: Prepared credit appraisal memo for business lending proposals of public sector banks
- Highlights:
- The merit of handling internal audit of big corporates like Narsingh Ispat Ltd., Empire Jute Mill Co. Ltd., and Nellimarla Jute Mill Co. Ltd.
Timeline
Area Credit Head in MEG
Axis Bank Ltd.
03.2023 - Current
Credit Officer
Citibank N.A.
04.2019 - 02.2023
Credit Analyst – BBG
IndusInd Bank
07.2015 - 03.2019
Consulting SME clients
12.2014 - 07.2015
Credit & Relationship Manager - Business Loan Group
ICICI Bank Ltd.
11.2011 - 12.2014
B.Com. - undefined
Umeshchandra College
CA -
ICAI