Mazhar Imam
Kolkata
Summary
Risk and Credit Professional with over 9 years of experience in corporate banking, focusing on working capital risk assessment and credit sanctioning. Demonstrated ability in financial modeling and portfolio monitoring, with a track record of developing risk-mitigating structures for MNCs and SMEs. Expertise in Basel-III, ICARP, and cross-border compliance.
Overview
12
12
years of professional experience
Work History
Chief Manager, Multi-National Corporate Group (Large Corporates)
ICICI BANK LTD
Kolkata
02.2022 - Current
- Risk Assessment & Modeling: Spearheaded credit risk appraisal for 16 MNCs using 3-statement financial modeling, stress testing, and covenant design.
- Compliance Governance: Ensured adherence to ICARP, US-GAAP, and Basel-III norms; passed all internal/regulatory audits with zero non-compliance.
- Stakeholder Alignment: Secured approvals from Risk/Legal/Treasury teams for credit limits up to ₹5000 million, resolving 100% risk queries pre-sanction.
- Portfolio Monitoring: Tracked WC utilization, collateral coverage, and early-warning signals for East Region portfolio.
Manager, Emerging Corporate Group
HDFC BANK LTD
Kolkata
11.2018 - 01.2022
- Due Diligence: Performed risk viability analysis for NTB clients, covering industry benchmarks, WC adequacy, and debt sustainability.
- Deal Structuring: Engineered risk-adjusted WC limits for 50+ clients; reduced exposure volatility via sensitivity/scenario modeling.
- Regulatory Compliance: Monitored borrower performance, ensuring 100% compliance with RBI guidelines and loan covenants.
Team Lead, Emerging Enterprises Group
AXIS BANK LTD
Kolkata
02.2016 - 02.2017
- Collateral Risk Management: Coordinated legal/valuation teams to secure collateral coverage for ₹200 million + portfolio.
- Portfolio Quality: Maintained <2% delinquency rate through KYC verification, financial analysis, and post-disbursement monitoring.
Rating Analyst
CRISIL LTD
Kolkata
12.2013 - 02.2016
- Working Capital Risk Rating: Assessed Working Capital stability, leverage, and debt-service coverage for 100+ SMEs across manufacturing/trading sectors.
- Risk Reporting: Generated bank loan rating reports highlighting liquidity gaps and mitigation recommendations.
- (Condensed earlier roles: HolidayIQ.com & India Mart to 1 line each)
Education
MBA(PGDTM) -
Bharti Vidyapeeth University
Pune01.2011
B.Com -
Guru Ghasi Das University
Bilaspur01.2009
Electronic Commerce Certification -
Hi-Tech Infosys
New Delhi01.2001
Skills
- Risk analysis tools
- Financial modeling techniques
- Regulatory compliance standards
- Working capital management
- Risk assessment
- Financial modeling
- Compliance governance
Languages
English, Hindi, Urdu
Hobbies and Interests
Chess (Strategy Analytics), Financial Markets Research
Accomplishments
- Risk Mitigation: Achieved 100% credit sanction success at ICICI Bank Limited by pre-emptively addressing risk/compliance gaps in proposals.
- Portfolio Quality: Reduced NPA potential by 15% at HDFC Bank through enhanced due diligence & sensitivity analysis for emerging corporates.
- Efficiency: Cut sanction-to-disbursal time by 30% at Axis Bank via streamlined collateral vetting and legal coordination.
- Working Capital Expertise: Executed 100+ bank loan ratings (Crisil Ltd) with focus on WC cycles, debt coverage, and liquidity risks.
Disclaimer
I confirm the accuracy of this resume. Date: 27th July 2025 Place: Kolkata Mazhar Imam
Timeline
Chief Manager, Multi-National Corporate Group (Large Corporates)
ICICI BANK LTD
02.2022 - Current
Manager, Emerging Corporate Group
HDFC BANK LTD
11.2018 - 01.2022
Team Lead, Emerging Enterprises Group
AXIS BANK LTD
02.2016 - 02.2017
Rating Analyst
CRISIL LTD
12.2013 - 02.2016
MBA(PGDTM) -
Bharti Vidyapeeth University
B.Com -
Guru Ghasi Das University
Electronic Commerce Certification -
Hi-Tech Infosys
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