SHIVANI SURI

Key Responsibilities

• Lead the relationship and credit strategy for large corporates and diversified business conglomerates across Madhya Pradesh, overseeing a managed portfolio exceeding INR 1100 Crores.
• Head a team of 3 Relationship Managers, providing strategic direction, portfolio oversight, credit guidance, and review of all client-facing deliverables to ensure high-quality execution.
• Conduct deep-dive assessments of client business models, industry positioning, governance, cash-flow strength, and long-term sustainability to structure financing solutions aligned with corporate growth plans.
• Evaluate and appraise complex financing requirements, including term debt, working capital, syndication facilities, structured debt, equity-linked solutions, and hybrid instruments, ensuring alignment with bank risk appetite.
• Prepare and present credit proposals for senior credit committees, articulating deal structure, risk assessment, mitigants, and financial justifications, ensuring timely sanction and successful client onboarding.
• Oversee complete lifecycle management of large corporate relationships—credit monitoring, covenant tracking, exposure reviews, facility utilization, and early warning identification—to maintain a healthy and compliant portfolio.
• Drive incremental business through cross-selling of corporate banking products including international financing, structured trade finance, export-import solutions, factoring, supplier financing, buyer’s credit, FDI/ODI advisory, and cross-border trade instruments.
• Structure and execute complex financing arrangements such as project funding, refinancing, promoter funding, and working capital optimization to support client expansion and operational efficiency.
• Ensure “360-degree banking coverage” for each conglomerate by coordinating across internal verticals—treasury, transaction banking, trade, CMS, capital markets, wealth, and digital channels—to maximize wallet share and strengthen strategic partnerships.
• Act as a key liaison between the bank’s senior leadership and top-tier corporate groups, ensuring alignment on risk, compliance, business strategy, and relationship deepening initiatives.

Key Achievements

• Successfully scaled and managed a diversified large corporate portfolio of INR 800+ Crores with strong asset quality and consistent revenue growth.
• Originated and executed complex structured deals involving international funding, cross-border trade, and equity/ODI/FDI-linked structures.
• Recognized for establishing strong, long-term partnerships with major business houses and contributing significantly to the bank’s large corporate franchise in the region.

Key Responsibilities

• Conduct in-depth credit assessment by analyzing financial statements, credit data, banking patterns, and business models to evaluate risk and determine creditworthiness for SME and mid-corporate clients.
• Prepare comprehensive credit proposals covering industry assessment, business analysis, management evaluation, financial ratio analysis, deal structuring, collateral/security, exposure levels, conditions, and covenant frameworks; present proposals to credit sanctioning committees and ensure timely approvals.
• Manage end-to-end post-sanction operations including documentation, limit setup, disbursement, security creation, compliance tracking, and ongoing portfolio monitoring.
• Appraise incremental credit requests by evaluating client financial performance, credit history, end-use validation, and document scrutiny to determine viability of additional exposure.
• Coordinate with cross-functional teams (Legal, Operations, Technical, Risk, Compliance & Trade Finance) for smooth processing, verification, and disbursal of facilities.
• Benchmark liquidity, profitability, leverage, and cash-flow metrics of clients against industry peers to support decision-making.
• Monitor portfolio health by tracking projected vs. actual performance, financial covenants, and operational red flags across client accounts.
• Identify early warning signals through detailed bank statement analysis, stock statement review, ageing analysis of debtors/creditors, and stock audit evaluations.
• Drive utilization of sanctioned limits and cross-sell structured banking products to enhance revenue and deepen client engagement.

Selected Achievements

• Enabled informed sanctioning decisions by preparing high-quality analytical reports that showcased customer strengths and facilitated faster credit renewals & enhancements.
• Collaborated with Business Intelligence & Technology teams to design dashboards for AQR and Early Warning Signal (EWS) monitoring for large and mid-corporate clients.
• Successfully managed and safeguarded a diversified credit portfolio of INR 500+ Crores, receiving commendations for strong analytical rigor and relationship management.

• Project Planning & Execution, Understanding customer requirements, Design Calculations & Drawing release
• Costing & Optimization: It involves VA/VE (Value Addition/ Value Engineering)
• Value Addition implies to improvement in design without increase in cost whereas Value Engineering implies to cost reduction without any adverse effect on the Design quality.
• Implementing innovative concepts for cycle time / cost reduction, entailing identification of opportunities, analysis of data, cost benefit analysis and implementation.
• Vendor Coordination, Supplier Production Facility Monitoring
• Quality Assurance & In-house production monitoring
• Part validation & vehicle testing: Suspension validation to ensure functional effectiveness, Data Acquisition & Performance measurement, Durability testing and Subjective testing for ride comfort and handling of the vehicle.
• Selected Achievements:
• Patent filing: Front Fork Preload Adjuster & Front Suspension End Cushioning Device.
• Paper presentation on “Two-Wheeler Drivability Maneuverability and Comfort on Indian Roads” in SAE (Society of Automotive Engineers) Conference.

• CBSE
• GPA: 90.8%

• CBSE
• GPA: 87.7%