Puneet Chawla
Indore
Summary
Experienced banking professional specializing in credit appraisal and risk management. Strong background in banking ERP software and relationship management enhances team performance and streamlines processes. Managed portfolios exceeding Rs 4000 crore, driving compliance and effective lending decisions. Proven ability in banking compliance and credit risk modeling, improving turnaround times and organizational efficiency.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Vice President-Area Credit-Madhya Pradesh
Axis Bank Limited
Indore
04.2023 - Current
- Managing portfolio comprising 150 corporate clients with a total size of Rs 4000 Cr.
- Conducted credit appraisals for corporate entities and multinational companies in Madhya Pradesh, facilitating informed lending decisions for businesses with turnover exceeding Rs 100 crore.
- Evaluated proposed transactions and facilities for credit acceptability, emphasizing business models, industry risks, and financial structures to support informed decision-making.
- Streamlined approval processes while maintaining quality by evaluating and refining operational procedures, resulting in improved turnaround times.
- Cultivated relationships with financial institutions and intermediaries, strengthening collaboration and support for credit initiatives in the territory.
- Assisted in achieving regulatory compliance for credit dispensation through teamwork with business, CAD, operations, and compliance teams.
Assistant Vice President- Credit Approver-North America and US markets
HSBC India HDI
Hyderabad
04.2022 - 03.2023
- Assessed and approved CMB credit proposals within defined turnaround times.
- Guided relationship managers on credit proposals and risk assessments, enhancing decision-making processes.
- Facilitated centralized CRM team in delivering consistent, high-quality risk decisions per CMB policies.
- Cultivated partnerships with business areas, establishing centralized CRM function as a key strategic partner.
- Recommended modifications in facility and security structure, collaborating with credit application originators to strengthen proposals.
- Shared expertise with colleagues and stakeholders to bolster team capabilities.
- Ensured compliance with operational risk controls, adhering to company and regulatory standards.
CM-II-Regional Head Sales- SMEAG
ICICI Bank
Regional Office
09.2021 - 04.2022
- Managed a team of nine relationship managers, contributing to the acquisition of new SME clients for the bank.
- Increased revenue streams by optimizing products and introducing new offerings aligned with client needs.
- Established strategic connections with banks and NBFCs, strengthening partnerships that enhanced service delivery.
- Collaborated with promoters and CXOs of targeted clients to foster relationships.
- Diversified client base to enhance granularity and broaden coverage.
- Developed inter-functional synergies to identify business opportunities through cross-selling.
- Monitored the performance of the team and positively inspired them to achieve desired results through engagements.
- Improved brand visibility in key areas, elevating the bank's presence and attracting new SME clients.
- Ensured products met customer specifications while upholding service quality.
Assistant Vice President, Cluster Head-Emerging Corporate Group
HDFC Bank Ltd
Gurgaon
03.2019 - 09.2021
- Evaluated creditworthiness of corporate entities and MNCs in Delhi NCR with turnover above Rs 250 crore, managing portfolio of 120 clients valued at Rs 4500 Cr.
- Evaluated proposed transactions and facilities from credit and risk perspectives, focusing on business model, industry risk, structure, and financial risk.
- Streamlined transaction evaluation processes, resulting in improved turnaround time and enhanced efficiency.
- Cultivated and maintained network with financial institutions and intermediaries to facilitate collaboration and information exchange.
- Ensured compliance by collaborating with business, CAD, operations, and compliance teams to meet regulatory standards.
Assistant Vice President, Team Leader- Business banking Credit and Risk Team
Indusind Bank Limited
Gurgaon
01.2018 - 03.2019
- Led team of six credit managers to improve operational efficiency and reduce turnaround times for credit approvals.
- Secured credit sanctioning committee approvals to facilitate timely funding decisions.
- Conducted evaluations of borrowers' financial viability for fund and non-fund-based exposures in North region.
- Assessed potential customers and market to conform to banks' credit standards.
- Monitored economic and industry developments and financial parameters of clients to proactively identify risk triggers.
- Executed thorough credit evaluations and background verifications for prospective candidates.
- Presented policy compliance guidelines to ensure adherence in credit file approvals.
- Streamlined review processes by collaborating with sales and account relationship teams to facilitate timely credit decisions.
- Coordinated with account relationship team to oversee portfolio and implement early warning systems for risk management.
Senior manager Credit Delivery Group- CCMC West 2
Axis Bank Ltd.
Ahmedabad
09.2015 - 01.2018
- Developed and implemented credit policies, procedures, and risk assessment models, reducing bad debt losses.
- Executed loan origination process while coordinating credit report orders, appraisals, and preliminary title reports for compliance.
- Managed applicant flow through approval process, conducting reviews and implementing corrections to minimize delays.
- Compared customer references, credit ratings, risks and payslips against policy standards to balance risk.
- Determined approval or disapproval based on accepted risk profiles.
Manager-Credit manager- Large Corporate
Oriental Bank of Commerce
05.2012 - 09.2015
- Streamlined loan approval processes to enhance efficiency and expedite decision-making.
- Assessed creditworthiness by examining financials, bureau data, and market trends to inform lending decisions.
- Analyzed corporate entities to pinpoint credit exposure in accordance with Bank's loan policy.
- Monitored compliance with credit policy and internal guidelines, ensuring adherence and minimizing risk exposure.
- Executed project evaluations and performed financial assessments.
- Evaluated client portfolios to extract performance insights.
- Collaborated with credit assessment team at Punjab National Bank to enhance accuracy of credit evaluations.
Article Assistant
Ahuja and Shahdadpuri & Co., Chartered Accountants
Kanpur
12.2007 - 06.2011
Education
CS (Inter) -
Institute of Company secretary of India
02-2014
Chartered Accountancy Final-Both groups -
Institute of Chartered Accountants of India
11-2011
Bachelor of Commerce -
Kanpur University
01-2010
Integrated Professional Competence Examination-Both Groups -
ICAI
11-2009
CPT - Auditing
ICAI
11-2007
Higher Secondary Certificate (HSC) -
ISC Board
01-2007
Secondary School Certificate (SSC) -
ICSE Board
01-2005
Skills
- Risk assessment expertise
- Portfolio management strategies
- Core banking solutions
- Loan management systems
- Credit risk modeling
- Credit analytics
- International payments
- Financial reporting
- Financial analytics
- Digital banking solutions
- Credit scoring models
- Risk management frameworks
- Banking compliance
- Consumer lending strategies
Certification
- JAIIB and CAIIB, Indian Institute of Banking and Finance
- IRDA certification on life insurance, IRDA
- Certificate course on Anti money laundering and KYC, Indian Institute of Banking and Finance
Accomplishments
Facilitated in disbursal of loans of INR 30000 Crore in the last 15 years by the Bank covering 700 Corporate.
Personal Information
Languages
- English
- Hindi
Marquee Companies Funded
• Swara baby products Limited
• Impetus Technologies India Pvt Ltd
• DB Corp Limited
• Bhaskar Savit Industries Pvt Ltd
• Makson Group Bhopal
• SAGE Group
• SAGAR Group
• Safeflex Group
• Velnik India Limited
• Mittal Appliances Limited
• Highway Infrastructure Limited
• Mehrotra Buildcon Pvt Ltd
• Rama Group Satna
Career Abstract
Accomplished Vice President at Axis Bank Limited with extensive experience in credit appraisal for corporate entities and multinational companies. Proven track record in managing portfolios worth Rs 4000 Cr and leading teams of Credit Managers. Expertise in evaluating transactions for credit and risk acceptability, ensuring regulatory compliance, and maintaining quality through process refinement. Previous roles include Assistant Vice President-Credit Approver at HSBC India HDI, CM-II-Regional Head Sales-SMEAG at ICICI Bank, and Assistant Vice President, Cluster Head-Emerging Corporate Group at HDFC Bank Ltd. Demonstrated skills in ERP software, CAM online, Lasersoft, RAM rating Software, Finacle, Finnone, Flexcube, SWIFT, Mercury, Ideas, CARM, HUB, CRISMAC and IMACS. Strong communication skills coupled with problem-solving abilities and leadership qualities.
Timeline
Vice President-Area Credit-Madhya Pradesh
Axis Bank Limited
04.2023 - Current
Assistant Vice President- Credit Approver-North America and US markets
HSBC India HDI
04.2022 - 03.2023
CM-II-Regional Head Sales- SMEAG
ICICI Bank
09.2021 - 04.2022
Assistant Vice President, Cluster Head-Emerging Corporate Group
HDFC Bank Ltd
03.2019 - 09.2021
Assistant Vice President, Team Leader- Business banking Credit and Risk Team
Indusind Bank Limited
01.2018 - 03.2019
Senior manager Credit Delivery Group- CCMC West 2
Axis Bank Ltd.
09.2015 - 01.2018
Manager-Credit manager- Large Corporate
Oriental Bank of Commerce
05.2012 - 09.2015
Article Assistant
Ahuja and Shahdadpuri & Co., Chartered Accountants
12.2007 - 06.2011
CS (Inter) -
Institute of Company secretary of India
Chartered Accountancy Final-Both groups -
Institute of Chartered Accountants of India
Bachelor of Commerce -
Kanpur University
Integrated Professional Competence Examination-Both Groups -
ICAI
CPT - Auditing
ICAI
Higher Secondary Certificate (HSC) -
ISC Board
Secondary School Certificate (SSC) -
ICSE Board