SAPAN JAIN
Noida
Summary
Accomplished management professional with a decade of demonstrable expertise in intricately structuring deals, expanding client bases, orchestrating effective team leadership, and adeptly managing the credit process. Proficient in underwriting and executing due diligence for lending initiatives spanning SMEs, mid-sized enterprises, and large corporations, particularly specializing in the intricacies of Supply Chain Finance. Recognized for proficiency in policy formulation and the strategic development of innovative products. Exhibits outstanding communication and interpersonal skills, coupled with the ability to swiftly assimilate new concepts and apply them with precision.
Overview
13
13
years of professional experience
Work History
Area Credit Head- CBG
Axis Bank
Noida
07.2022 - Current
- Overseeing and managing the credit portfolio for the CBG Business in the regions of Delhi and. Leading initiatives for product development, policy formulation, and the establishment of processes.
- Managing a portfolio of ₹4000 Cr+, with an average ticket size of approximately ₹20 Cr. Leading and mentoring a team of 4 Credit Managers to ensure high-quality credit underwriting and portfolio management.
- Handled multiple project finance proposals, including assessment of project viability, review of detailed revenue studies, cost structures, and risk analysis. Evaluated key project parameters such as DSCR, IRR, promoter contribution, and sensitivity analysis to support informed credit decisions.
- Monitored project implementation and managed disbursements linked to milestone completion. Provided end-to-end oversight of projects from initial appraisal through final execution, ensuring compliance with financial and operational benchmarks.
- Vigilantly overseeing the existing loan portfolio for the region, consistently monitoring the loan book for any early warning signals, and promptly resolving identified issues.
- Played an integral role in loan documentation, ensuring alignment with approved terms and regulatory compliance.
- Systematically monitoring the health of the portfolio and ensuring the timely renewal & exit of customers displaying signs of financial stress.
Assistant Vice-President -CBG
Axis Bank
Noida
09.2021 - 06.2022
- Led a team of 15 analysts as the Team Lead in the Credit Approval Memorandum (CAM) preparation unit, overseeing the preparation of CAMs for Existing to Bank (ETB) renewals and New to Bank (NTB) borrowers in the North region, with an average ticket size of Rs 20 Cr.
- Conducted training sessions for Relationship Managers (RMs) and analysts on credit policies, actively participating in customer meetings for deal structuring and due diligence.
- Collaborated with coverage and risk teams to facilitate and drive business initiatives.
- Effectively managed the Small and Emerging Growth (SEG) business portfolio for the North geography.
Regional Risk Head
Karur Vysya Bank
Bengaluru
01.2020 - 09.2021
- Led the Risk Team for Karnataka & Kerala, overseeing diverse portfolios including secured lending, unsecured lending, supply chain business, and operating lease operations.
- Spearheaded product development, policy formulation, and the establishment of robust processes, digitization, and technology platforms for the Bank.
- Proactively monitored the existing loan portfolio for the region, consistently identifying early warning signals and implementing timely resolutions.
- Demonstrated hands-on experience in managing relationships with key stakeholders, both internal and external, such as RBI, SIDBI, and technology vendors.
- Played a key role in training and mentoring employees, contributing to the maximization of team performance.
- Effectively managed and resolved complaints through calm, clear communication, and adept problem-solving.
Senior Manager - Corporate & Institutional
Aditya Birla Finance Limited
New Delhi
10.2016 - 01.2020
- Served as a Credit Manager at Aditya Birla Finance Limited within the Corporate & Institutional Enterprises division, handling corporate clients with loan sizes ranging from INR 25 Cr to INR 250 Cr. Managed a portfolio totaling ~INR 1800 Cr (Total sanction) encompassing prominent entities in North India, including Punjab and Rajasthan. The portfolio spanned diverse industries such as Auto OEMs, Auto Tier-I manufacturers, Industrial goods, EPC players, Consumer Goods, etc. Executed due diligence and underwriting processes for new-to-bank clients, while also overseeing credit monitoring for the existing portfolio. Addressed cross-border exposures and conducted post-sanction monitoring activities, including early warning detection and remedial management.
- Provided strategic advice on suitable facility structures based on credit assessments, aligning with client requirements and optimizing the organization's profit and loss.
Senior Manager
Vijaya Bank
Mumbai
08.2013 - 10.2016
- Senior Manager Credit at Overseas Branch, Mumbai, overseeing a credit portfolio of 2500+ Cr. Handled multiple large consortium accounts, with Vijaya Bank’s individual exposure reaching up to ₹1000 Cr to a single borrower.
- End-to-end responsibility, including the identification of new clients, conducting credit appraisals, managing disbursements, and ongoing monitoring.
- Conducted comprehensive appraisals for various credit requirements such as enhancement, fresh proposals, renewals, and realignments.
- Job assignment encompassed portfolio and relationship management, as well as post-disbursement activities.
- Responsible for the preparation of various internal reports and the establishment of an Early Warning System for proactive risk management.
- Supervised and mentored staff through one-on-one sessions, actively driving the attainment of individual Key Performance Indicators (KPIs).
- Contributed to the overall success of credit operations, ensuring efficient portfolio management and adherence to robust internal processes.
Accounts Manager
Gayatri Hospitality & Realcon Ltd.
Noida
04.2012 - 07.2013
- Overseeing Financial Planning, Internal Control, and Project Analysis within the organization.
- Taking charge of the finalization of accounts and preparing various internal reports.
- Managing the organization’s legal and regulatory requirements, including the filing of Annual Returns and ensuring compliance with corporation regulations.
- Coordinating with banks to address the financial needs of the company and preparing necessary documents and reports as required by bank officials.
- Supervising the corporate accounting team to ensure efficient and accurate financial operations.
Education
Master of Business Administration - Finance
Sikkim Manipal University
Manipal01.2013
Chartered Accountant -
The Institute of Chartered Accountants of India
01.2011
Bachelor of Commerce - Accounting
Jiwaji University
Gwalior01.2009
Skills
- Leadership development
- Strategic planning
- Financial project assessment
- Risk evaluation
- Policy creation
- Stakeholder collaboration
Accomplishments
- Cleared all levels of CA examinations in 1st Attempt.
- Secured 1st position in Inter School Computer Quiz prearranged by Computer Society of India.
Affiliations
Associate Member, Institution of Chartered Accountants of India
Timeline
Area Credit Head- CBG
Axis Bank
07.2022 - Current
Assistant Vice-President -CBG
Axis Bank
09.2021 - 06.2022
Regional Risk Head
Karur Vysya Bank
01.2020 - 09.2021
Senior Manager - Corporate & Institutional
Aditya Birla Finance Limited
10.2016 - 01.2020
Senior Manager
Vijaya Bank
08.2013 - 10.2016
Accounts Manager
Gayatri Hospitality & Realcon Ltd.
04.2012 - 07.2013
Master of Business Administration - Finance
Sikkim Manipal University
Chartered Accountant -
The Institute of Chartered Accountants of India
Bachelor of Commerce - Accounting
Jiwaji University
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