RAVI KISHORE
Mumbai
Summary
A Seasoned Banker having 12+ years of experience in various domains of Credit Risk including Credit Appraisal, Credit Underwriting and Credit Risk Rating. A People-oriented Team Leader successful in monitoring performance, delegating work and motivating members. Versed in managing daily direction and team communication.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Team Leader, Credit Risk
Bank of India
Mumbai
04.2022 - Current
- Responsible for formulation, update and timely review of Credit Policy, Model Risk Policy, Model Validation Policy of the Bank.
- Back Testing and Monitoring of Credit Risk Rating Models .
- Preparing and Tracking the Migration Matrix of the internal Credit Rating Model to keep a check on the stability of ratings of the portfolio.
- Assisting the CRO with Credit Risk Evaluation Committee of the Bank which clears the Credit Proposals to be sanctioned by the Bank’s Board and Head Office Level Committees.
- Collaborating with the Product Team for development and risk vetting of various regular as well as digital lending products.
- Doing stress testing (under EASE Framework) on various Risk Homogeneous Micro Clusters among Retail, MSMEs and Corporate Advances of the Bank using various statistical methodologies like Regression, Time Series etc.
- Ascertaining the normal and stressed PDs and thereby deciding the Credit Risk Premium (CRP) to be charged by the Bank.
- Drafting of various reports being submitted to the Bank’s Board as well as the Regulator.
Credit Head, Centralized Processing Centre
Bank of India
Navi Mumbai Area
08.2018 - 03.2022
- Heading the Credit Processing Team of SME Credit Division of Navi Mumbai Zone, Bank of India.
- Heading a team of 6 Credit Analysts at Centralized[RK1] Business Loan Processing Centre of Navi Mumbai Zone, Bank of India.
- Responsible for business targets, TAT, quality and regulatory compliance of SME Portfolio of INR 25 Bn.
- Taking credit decisions and exercising the individual sanction powers up to INR 50 Mn.
- Looking after strategic partnerships and executing Co-lending and Direct Assignment deals.
Senior Relationship Manager, Corporate Credit
Bank of India
Mumbai Area
08.2011 - 07.2018
- Managing a credit portfolio of INR 150 Bn. Consisting of over 25 major corporate clients of the Bank.
- Responsible for business growth, underwriting, preparation of credit notes, documentation, regulatory and management reporting, monitoring and timely review of the assigned portfolio.
Education
PGDM - Marketing/ Operations
Lal Bahadur Shastri Inst. of Mgmt., New Delhi
01.2011
B.C.A - Computer Applications
Guru Jambeshwar University, Hisar
01.2009
HSC - Physics, Chemistry, Maths, English & Comp. Sc
C.B.S.E (D.P.S, Ranchi)
01.2006
S.S.C - Science, Maths, Social Science, English & Hindi
C.B.S.E (D.A.V, Muzaffarpur)
01.2004
Skills
Team Handing, Credit Risk Management, Credit Appraisal, Portfolio Monitoring and analysis, Documentation, Management and Regulatory Reportings, Trade Finance, Balance Sheet Analysis, Direct Assignment and Securitization Transactions, Lending Policy Drafting and Review
Certification
- GARP FRM Level 1 Qualified and Level 2 Candidate (08/2024)
- Certificate Program in Quantitative Finance and Risk Management (CP-QFRM) from Indian Institute of Quantitative Finance (2022-23)
- Certified Credit Research and Analyst (CCRA) by Equalifi Academy (2022)
- Certificate in Commercial Credit by Moody’s Analytics (2022)
- Certificate from FEDAI on “Selected Areas of FOREX Business and Regulatory Requirements under FEMA-1999” (2019)
- Certified Associate of the Institute of Banking and Finance(CAIIB) (2013)
- Certificate in Credit Appraisal from Manipal Global Educational Sevices (2015)
- Diploma in Advanced Wealth Management from Indian Institute of Banking and Finance (IIBF) (2016)
- IRDA specified person for life as well as general insurance.
Accomplishments
- Currently owning and maintaining the Umbrella Credit Policy of Bank of India.
- Headed the project for recalibration and Validation of the overall internal rating model of Bank of India.
- Successfully discharged the duties on multiple occasions when deputed by Bank on for various Audit and process improvement drives and for conducting internal departmental enquiries.
- Navi Mumbai Zone SME Credit Team has been among the Top 5 on all India (among more than 80 credit hubs) basis in terms of business for FY 2021-22.
- Handled a portfolio of 25+ large corporate accounts at Large Corporate Branch (June 2011 to July 2018) with a total Fund and Non-Fund Based exposure of more than INR 150 Bn which included some of the bank’s major performing as well as stressed and Non-Performing Accounts.
- An avid marathoner and has successfully finished three Mumbai Marathons so far including 2024 edition. Led the BOI team at Bloomberg Square Mile Relay Event (1 Mile X 10 Relay Race) Mumbai Edition (Feb 2024) and stood 4th among 118 corporate teams.
Personal Details
Address: 702, Star Awaas, G-Block, Near Sofitel, Bandra Kurla Complex, Bandra (E), Mumbai, Maharastra – 400051
Date of Birth - 23-Sep-1989
Primary/Alternate Mobile No. : +91-9334908804/7977798931
Timeline
Team Leader, Credit Risk
Bank of India
04.2022 - Current
Credit Head, Centralized Processing Centre
Bank of India
08.2018 - 03.2022
Senior Relationship Manager, Corporate Credit
Bank of India
08.2011 - 07.2018
PGDM - Marketing/ Operations
Lal Bahadur Shastri Inst. of Mgmt., New Delhi
B.C.A - Computer Applications
Guru Jambeshwar University, Hisar
HSC - Physics, Chemistry, Maths, English & Comp. Sc
C.B.S.E (D.P.S, Ranchi)
S.S.C - Science, Maths, Social Science, English & Hindi
C.B.S.E (D.A.V, Muzaffarpur)
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