Chartered Accountant
Open To Work
RAHIL SHAH
ICICI Bank Limited
Mumbai,MH
Work Preference
Overview
Credit management professional with extensive experience at ICICI Bank Limited, specializing in project finance and covenant structuring. Managed INR 1,300 crore real estate portfolio with strong analytical oversight to improve asset quality. Delivered portfolio monitoring and risk mitigation while maintaining compliance with RBI and RERA requirements.
02+
Years of experience
Work History
03.2025 - Current1 Year 7 Months
Business Analyst
ICICI Bank Limited | Mumbai, Maharashtra
- Managed real estate credit portfolio with total exposure of approximately ₹2000 crore, tracking borrower performance, project progress, DSCR compliance, facility reviews, and early warning signals to protect asset quality.
- Structured real estate loan terms using covenants, escrow controls, security coverage, and milestone-linked drawdowns aligned with project and transaction risk.
- Conducted due diligence on borrowers, promoters, project economics, and transaction structures to ensure compliance with RBI, RERA, and internal lending requirements.
- Drafted comprehensive credit appraisal notes and recommendations for sanction committees, detailing transaction structure, financial analysis, key risks, and proposed mitigants.
- Monitored post-sanction project performance across sales, collections, construction progress, and cost overruns to identify and address emerging issues proactively.
- Conducted detailed project feasibility analysis covering sales velocity, cost-to-complete, break-even, absorption, project cash flows, and project IRR.
- Built project cash-flow and financial models, then ran DSCR sensitivity, stress, and collateral analysis to assess repayment capacity and downside risk.
- Supported review of real estate project funding proposals in ₹100–500 crore range across residential and commercial developments, checking project viability, repayment capacity, security cover, and key credit risks.
Education
Chartered Accountant (CA)
Institute of Chartered Accountants of India | 01-2024
Institute of Chartered Accountants of India
01-2024
Bachelor of Commerce (B.Com)
University of Mumbai | 01-2020
University of Mumbai
01-2020
Skills
ADDITIONAL INFORMATION
Location: Mumbai, Maharashtra
Interests: Current Affairs, Technical Analysis Basic in Stock Market (1.5 years)
Timeline
Business Analyst
ICICI Bank Limited
03.2025 - CurrentRead more
Institute of Chartered Accountants of India - Chartered Accountant (CA),
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University of Mumbai - Bachelor of Commerce (B.Com),
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