Rajender Banoth

Process Risk Manager
November 2023: Present

• Credit Underwriting and Risk Analysis: Conducted process due diligence checks for credit underwriting of retail loans and performed credit risk analysis within the Credit Policy Group.
• Product Handling: Managed risk analysis and transaction monitoring for various products, including overdrafts, consumer durables, credit cards, farm equipment, and retail loans digital lending.
• Policy Review and Documentation: Reviewed policy parameters, performed documentation checks, and analyzed observations to implement necessary corrections in the credit appraisal process.
• Policy and Guidelines Compliance: Ensured compliance with policy changes, RBI guidelines, pricing matrix, and NFAs.
• Sampling and Data Quality: Built sampling logic for hindsight analysis and prepared data quality reports highlighting the accuracy of critical data points captured in the system.
• Database Review: Conducted data base hindsight reviews to examine policy parameters across the entire data set, highlighting key deviations from policy.
• Observation and Reporting: Discussed observations with senior management, prepared final reports, and disseminated findings to all stakeholders.
• Presentation and Communication: Regularly present key observations to senior management.
• Team Management: Lead a team to achieve set goals and deliver results.
• Process Re-engineering: Actively participated in process re-engineering related to product handling in hindsight analysis.
• Collaboration: Worked closely with risk and policy teams to implement process or policy changes.
• Risk and Internal Control: Identified process gaps and reported them to senior management, suggesting policy changes.
• Process Audits: Conducted process audits for farm equipment and credit cards across the states of Telangana and Andhra Pradesh, Karnataka, Kerala, and Tamil Nadu.

Skills: credit policy, concurrent audits, credit risk management, internal audits, risk analysis, retail loans, digital lending risk analysis.

Associate for R&D Credit Incentives
April 2021–July 2022

• Report Preparation: Developed detailed written reports outlining client qualifications and legal justifications for tax credits.
• Industry Research: Conducted in-depth research across various industries, including engineering, manufacturing, architecture, construction, software, and agriculture.
• Market Research: Perform primary and secondary market research for small and medium-sized enterprises (SMEs).
• Client Presentations: Presented and substantiated consulting project results through tailored written reports and presentations to clients.
• Team Collaboration: Worked collaboratively with a multidisciplinary team of attorneys, accountants, engineers, and scientists to substantiate cash-generating tax incentives, directly benefiting clients and impacting their bottom line.
• Financial Analysis: Assisted in the financial analysis of forecasting and variance analysis of client data.

Skills: Report Preparation, Industry Research, Market Research, Client Presentation, Team Collaboration, Financial Analysis

Financial Data Analyst - Corporate Ratings
May 2018 - April 2021
S&P Global Ratings

• Preliminary Credit Analysis: Conducted initial credit analyses to support ratings, research, and presentations, adhering to guidelines provided by the RRS Team Manager.
• Data Extraction: Extracted financial data from annual and interim reports to assist analysts in the rating process.
• Portfolio Analysis: Analyzed portfolios of assigned entities and assessed clients' financial projections, including moderately complex situations and data.
• Financial Adjustments: Provided S&P-based criteria adjustments to gross profit, EBITDA, and EBIT, and performed analyses of net income, PBT, PAT, free cash flow, DCF, cash flow statements, and balance sheets. Made off-balance sheet adjustments (e.g., OLA adjustments, maturity schedules, LIFO reserves).
• Data Interpretation: Interpreted and analyzed financial data from the Financial Data Associates (FDAs) group to perform preliminary credit analysis.
• Credit Monitoring/Surveillance: Supported credit monitoring and surveillance of issuers by preparing data for surveillance, updating preliminary analysis components periodically, and initiating deeper credit reviews when necessary.
• Accuracy and Detail Orientation: Maintained high accuracy and attention to detail with figures in a timely manner.
• Data Standardization: Contributed to the standardization of data at S&P Global, ensuring consistency and enhancing the comparability of historical and current data