PRITAM PARDESHI

• Coordinated with Integrated Risk Management team and Fraud Monitoring Group in formalizing and implementing Early Warning Signal (EWS) frameworks using key stress indicators such as transaction routing behavior, inventory fluctuations, credit bureau movements, liquidity monitoring and fund flow anomalies, to proactively identify accounts at risk of default.
• Collaborated with Business Units and IT team to develop the indigenous portal - Corporate 360°, for capturing, recording, maintaining, and retrieving every relevant information pertaining to clients' borrowing journey with the Bank.
• Managed a portfolio of 75 corporate clients, with total exposure exceeding INR 55,000 Mn, applying portfolio-level analytics to assess risk concentration, emerging stress, and performance trends.
• Leveraged data-driven portfolio analysis to closely monitor red-flagged accounts, and formulate structured exit and risk-mitigation strategies, contributing to default and non-performing loans prevention, and regulatory compliance.
• Performed quantitative credit risk assessment for mid-corporate clients by conducting an in-depth analysis of P&L, balance sheet, and cash flow statements to evaluate liquidity, solvency, and cash flow sustainability.

• Leveraging data analytics, built and validated financial models for Project Finance, critically assessing underlying assumptions, project viability, and cash flow projections to inform high ticket credit sanctioning decisions.
• Served as a member of the Corporate Credit Sanction Committee, utilizing analytical findings to recommend appropriate lending limits and deal structures in high-stakes lending decisions.
• As a Credit Risk Analyst, collaborated with multiple stakeholders, such as the Chief Credit Officer, the Chief Risk Officer, IT teams, and the Loan Policy Department, among others, for development and bank-wide implementation of:

i. Automated SME credit lending of up to INR 50 million on the Business Rule Engineering platform.

ii. End-to-end credit delivery portal named Loan Lifecycle Management System.

• Managed a Supply Chain Finance portfolio of INR 7500 Mn, analyzing channel finance data, and inventory cycles to optimize funding and mitigate risk across multiple sectors.
• Underwrote credit proposals by synthesizing quantitative data from financial statements and qualitative factors from due diligence, assigning credit risk ratings.
• Led credit assessment and underwriting by transforming financial and operational data into structured credit proposals, and presenting insights through dashboards to sanctioning authorities for approval.
• Developed and modified credit lifecycle management tools using data analytics for analyzing prospective clients, conducting due diligence, and generating risk ratings to enable informed business and credit decisions.
• Post-sanction, ensured risk containment and enhanced portfolio performance through compliance monitoring, overseeing documentation, periodic reviews, and audit-ready reporting.

• Intensive on-the-job training in Banking Products Design and Analytics covering Corporate Banking, Trade Finance, Forex, Treasury, NRI Business and Wealth Management.
• Trained with Stressed Assets Recovery Vertical.