Govindaraj Prabhu M
Asst Vice President - Wholesale Credit
Chennai,TN
Summary
Seasoned risk professional with 10+ year's experience across leading rating firms and largest private sector bank, with specialization in evaluating credit for non-banking financial institutions. Known for analytical prowess, communication skills and result-focused interaction across organization.
Overview
12
12
years of professional experience
10
10
years of post-secondary education
2
2
Certifications
Work History
Assistant Vice President
HDFC Bank
, India
03.2020 - Current
- Manage portfolio worth $5-6 billion which includes exposure to mid-to-large sized non-banking financial companies (NBFCs), microfinance, cooperative credit and capital market intermediaries. Underwriter with individual lending discretion of up to $4 million.
- Evaluate new credit opportunities and monitor existing accounts based on credit worthiness and bank’s risk framework. Provide inputs to senior leadership with details of strengths/ weakness for each credit. Product coverage includes term debt, working capital and capital market instruments (bond/ commercial paper) among others.
- Additional responsibility includes mentoring newly joined credit managers, provide feedback on policy & framework for NBFCs to ensure alignment with extant regulation/ bank guidelines and new project initiative(s) within the bank to identify early warning signals and improve efficiencies in credit domain
- Identified account(s) in distress through regular due diligence and ensured complete recovery for the bank without any principal/ interest loss. Accomplished critical KPI of maintaining nil exposure to non-performing asset. Recognized as one of the top performers (top quartile) basis FY2021 appraisal
Senior Analyst
ICRA Ltd, Subsidiary of Moody's Investor Service
, India
03.2017 - 02.2020
- Assessed credit risk profile of companies, with exposure to, or in need of, external debt. Rated & monitored performance 30+ financial institutions (NBFC/ MFI/ HFC and banks). Involved in fund rating of AMCs and code of conduct assessment for MFIs which focus on the governance and the internal control aspects
- Prepared detailed credit reports covering business, financial and management risk profile, and published rationale/ credit perspective reports. Interacted with stakeholders (client, bankers/ private equity/ capital market participants) and undertook branch visits as a part of due diligence.
- Appreciated by ICRA senior management for detailed presentation and high client engagement levels. Received ‘Standing Ovation’ Award for outstanding performance in ICRA during FY2019
- Co-authored note on ‘Consumer durable financing (FY2018)’ and provide support to the research note on NBFC-retail, on a quarterly basis
Analyst
ICRA Ltd, Subsidiary of Moody's Investor Service
, India
01.2014 - 06.2016
- Performed credit rating for 30+ corporates across various sectors including auto-ancillaries, textiles, cement, logistics, steels and engineering among others
Analyst
CRISIL, A Standards & Poor’s Company
Chennai, India
05.2011 - 12.2012
- Assessed credit risk profile of several companies in the manufacturing and trading sector
Software Engineer
Infosys Limited
Bangalore, Karnataka
06.2006 - 05.2009
- Designed and tested software programs (Mainframe-based) for Insurance and healthcare companies based in US.
- Awarded the highest possible rating #1 during the Annual Ranking process, in 2008 and 2009
- Cumulative GPA of 4.85/5.00 in Infosys Global Entry Level Training
Education
MBA - Finance
Bharathidasan Institute of Management
Trichy 06.2009 - 04.2011
Bachelor of Engineering - Electronics And Communication Engineering
College of Engineering, Guindy
Chennai 06.2002 - 04.2006
High School - Computer Science
SIV
Coimbatore 06.2001 - 05.2002
Secondary School -
SIV
Coimbatore 06.1999 - 05.2000
Skills
Credit analysis
Portfolio monitoring
Risk Management
Banking/ regulation
Internal / External Communications
Strategic Initiatives & Implementation
Accomplishments
- Recognized as ‘Star performer’ for demonstrating excellence at work in HDFC Bank in FY2021
- Received ‘Standing Ovation’ Award for outstanding performance in ICRA during FY2019
- Awarded ‘ACE’ (Acknowledging and Celebrating Excellence) and 'CRISIL Thought Leadership Award’ for analytical excellence and best credit report/ presentation in CRISIL
Certification
CFA level 2, Virginia, USA
Timeline
Assistant Vice President
HDFC Bank
03.2020 - Current
Certified JAIIB
10-2018
Senior Analyst
ICRA Ltd, Subsidiary of Moody's Investor Service
03.2017 - 02.2020
Analyst
ICRA Ltd, Subsidiary of Moody's Investor Service
01.2014 - 06.2016
CFA level 2, Virginia, USA
06-2011
Analyst
CRISIL, A Standards & Poor’s Company
05.2011 - 12.2012
MBA - Finance
Bharathidasan Institute of Management
06.2009 - 04.2011
Software Engineer
Infosys Limited
06.2006 - 05.2009
Bachelor of Engineering - Electronics And Communication Engineering
College of Engineering, Guindy
06.2002 - 04.2006
High School - Computer Science
SIV
06.2001 - 05.2002
Secondary School -
SIV
06.1999 - 05.2000