Sam Dinakaran M C
REGIONAL HEAD
Bangalore
Summary
A resourceful team player with experience of more than 18 years in various segments of Banking including Mid Corporate and SME with diversified work knowledge in Relationship Management, Financial Analysis, Credit Assessment, Credit Administration, Risk Management etc. Adept at establishing rewarding relationships that benefit business development. Strengths include analytical skills, timely and informed decision-making with keen understanding of the risks perceived and structuring customized banking solutions to corporate. Strong communication skills with leadership teamwork experience.
Overview
20
20
years of professional experience
Work History
Chief Manager II – Regional Head
ICICI Bank Ltd
12.2021 - Current
- Oversee a credit portfolio of INR 12,000 Mn, managing Working Capital, Trade Finance, Term Lending, and Project Funding.
- Exercise sanctioning authority up to INR 100 Mn (new) and INR 300 Mn (existing) with 100% compliance to corporate credit policies.
- Conduct credit rating assessments based on financial, business, industry, and management risk evaluations.
- Maintain a high-quality credit portfolio with zero slippages and delinquency.
- Lead a team of 2 Associate Credit Heads and 11 Credit Managers, driving professional development and performance excellence.
Asst Vice President
Axis Bank Ltd
04.2016 - 12.2021
- Managed a portfolio of INR 12,500 Mn, focusing on Working Capital, Trade Finance, Term Lending, and Project Funding.
- Member of the sanctioning committee for approvals up to INR 350 Mn, ensuring adherence to credit policies.
- Led initiatives to achieve budgeted top line growth and fee income from both existing and new business.
- Conducted in-depth credit risk analysis and due diligence, ensuring regulatory and policy compliance.
- Supervised a team of analysts, fostering skill development and operational efficiency
Senior Manager – Credit Analyst
Axis Bank Ltd
08.2011 - 03.2016
- Evaluated credit proposals across SME sectors such as Engineering, Pharmaceuticals, and Auto Ancillaries, managing a portfolio of INR 3,500 Mn.
- Structured loan facilities, performed risk analysis, and ensured compliance with corporate credit policies.
- Managed the credit approval lifecycle, from underwriting to documentation and limit activation.
- Coordinated with internal and external stakeholders, including legal teams, valuation experts, and operational departments.
Senior Manager
Dhanalaxmi Bank Ltd
03.2010 - 07.2011
- Assessed and structured corporate loan proposals, ensuring risk mitigation and policy compliance.
- Managed credit approval processes, including renewals, documentation, and post-disbursement monitoring.
- Conducted site visits and management discussions to evaluate creditworthiness.
Relationship Manager
Royal Bank of Scotland
06.2008 - 02.2010
- Managed SME corporate relationships and structured banking solutions.
- Conducted credit underwriting and risk analysis for sanctioning authorities.
- Coordinated with internal and external stakeholders for seamless credit processing.
Assistant Manager
The HSBC Ltd
02.2007 - 06.2008
- Developed business opportunities across banking products, including trade finance and cash management.
- Handled trade services such as LC advising, issuance, and document collection for SME clients.
Assistant Manager
IndusInd Bank Ltd
08.2005 - 01.2007
- Managed a team of sales executives, sourcing and structuring working capital loans.
- Served as a key member of the Branch Credit Committee.
Education
Master of Commerce -
Annamalai University
B.Com - undefined
CBM College of Arts & Science
Master of Business Administration -
Madurai Kamaraj University
Skills
Soft Skills:
Customer Relationship Management
Credit Risk Assessment & Due Diligence
Financial & Business Analysis
Structuring Banking Solutions
Trade Finance & Working Capital Management
Team Leadership & Professional Development
Compliance & Risk Mitigation
Technical Skills:
Data Analytics using Python
SQL
Power BI
MS Office Suite
Professionalandeducationalqualifications
CAIIB, Indian Institute of Banking.
Certifications courses in Trade Finance, Anti Money Laundering and KYC, SME Finance for Bankers.
Personal Information
Age: 44
Timeline
Chief Manager II – Regional Head
ICICI Bank Ltd
12.2021 - Current
Asst Vice President
Axis Bank Ltd
04.2016 - 12.2021
Senior Manager – Credit Analyst
Axis Bank Ltd
08.2011 - 03.2016
Senior Manager
Dhanalaxmi Bank Ltd
03.2010 - 07.2011
Relationship Manager
Royal Bank of Scotland
06.2008 - 02.2010
Assistant Manager
The HSBC Ltd
02.2007 - 06.2008
Assistant Manager
IndusInd Bank Ltd
08.2005 - 01.2007
B.Com - undefined
CBM College of Arts & Science
Master of Commerce -
Annamalai University
Master of Business Administration -
Madurai Kamaraj University
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