Rupali Birdawde
New Delhi
Summary
With an educational background of MBA (Finance) and 9 years major experience in Credit Risk Management Dept., I look forward to a career in the fast growing Banking/IT Sector (Finance and Banking Domain), which would help me to use my knowledge in Credit Risk Management & practical experience of Credit Operations to work in a competitive and challenging environment that would provide me with fair learning and growth opportunities.
Overview
2
2
years of professional experience
1
1
Certification
Work History
Assistant General Manager
IDBI Bank Ltd
New Delhi
06.2008
- Credit Risk Management – Credit Risk Analyst
- Assessment & credit rating of big ticket size loan proposals (Mid Corporate/Large Corporate) involves studying the proposal, annual reports, industry reports etc
- Risk assessment of proposal involves preparing rating report, identifying risk concerns, checking correctness of data furnished in RAM rating model and finalized rating in RAM model
- The entire assessment of the credit proposal along with proposed Rating is presented to respective Rating Committees for final sanction
- Apart from Credit Risk Assessment, I have managed Rating Model Assessment as a separate assignment involves Internal Model Validation, Rating Migration, Default Studies Analysis, industry score updation
- Facilitate the Risk Based Supervision (RBS) of RAM related activities under Tranche I & Tranche II
- RAM Maintenance, Coordination with Vendor for System enhancement / Updation.
Mid Corporate Group- Relationship Manager
IDBI Bank Ltd
New Delhi
- Managed corporate cases exposure above Rs.10 crore
- Sourcing as well as assessment of loan proposals based on their requirement, business profile, market standing etc to establish new relationship with bank
- Special attention on banking requirements and customized solutions for financial requirements of clients while simultaneously focusing on quality of assets, containment of NPAs and regular evaluation of pricing offered to customers on various products at regular renewal and review of existing loans.
Credit Processing Centre Profile
IDBI Bank Ltd
New Delhi
- MSME Credit proposals above Rs.50 Lakh sourced at branch level is processed and assessed at CPC includes fresh/renewal/review enhancement cases
- It consists of preparation of Assessment Note includes Financial Analysis, Funding Assessment, Compliance of Norms, Exposure Details, Term Sheet, Product Compliance Sheet, Rating Report etc.
Retails Asset Centre- Sales/Credit Manager
IDBI Bank Ltd
New Delhi
- Sourcing quality Home Loan / Mortgage Loan proposals from channels partners viz
- DSA/DST and Branches based on the profile and income of the applicant, property offered (title, marketability, valuation etc.)
- Being a competitive market in mortgage loan segment, customer retention is a major role to establish assets relationship for longer period by offering better pricing and prompt services.
Project Executive
CRISIL LTD
Mumbai
09.2003 - 08.2005
- Being a part of CDO (Collateral Debt Obligation) team, Processing and Evaluating the Reports received from various rating agencies
- Presentation on Products & giving trainings to peers.
Education
MBA -
Mumbai University
MCOM -
Mumbai University
BMS -
Mumbai University
Skills
- Able to perform to the best with a team as well as individually
- Committed to meet deadlines given
- Learning attitude and adaptable to new environment with ease
- Training and development skill
Certification
- NCFM Beginners Module, 93%, 05/01/07
- Derivative Market (Dealers Module), 72.25%, 10/01/07
Accomplishments
Nominated as in-house faculty member in IDBI Bank for providing training on 'Familiarization with IRAM through Navigations with emphasis on scoring model' to understand about the modalities of corporate rating system.
Timeline
Assistant General Manager
IDBI Bank Ltd
06.2008
Project Executive
CRISIL LTD
09.2003 - 08.2005
Mid Corporate Group- Relationship Manager
IDBI Bank Ltd
Credit Processing Centre Profile
IDBI Bank Ltd
Retails Asset Centre- Sales/Credit Manager
IDBI Bank Ltd
MBA -
Mumbai University
MCOM -
Mumbai University
BMS -
Mumbai University
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