Tanmay Bhatnagar
Mumbai
Summary
With over 19 years of experience in the banking sector, I am a seasoned banking professional with a strong focus on SME and Mid-Corporate Credit. My expertise lies in credit appraisal, risk assessment, financial analysis, portfolio management, and regulatory compliance. Skilled in structuring credit facilities and developing sector-specific credit models, I excel at managing client relationships across diverse industries. Adept at leading high-performing teams, my strengths lie in driving business growth while ensuring asset quality and credit discipline. I am committed to delivering results and contributing to the success of the organization.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Deputy General Manager
IDBI Bank
Mumbai
05.2024 - Current
- Manage credit proposals for SME and mid-sized corporates with exposure limits up to ₹100 crore.
- Supervised team members, established performance goals, provided feedback, and conducted performance reviews.
- Conduct financial due diligence, promoter risk evaluation, and business viability assessments.
- Structure customized working capital and term loan facilities.
- Liaise with rating agencies, legal advisors, and internal risk committees.
- Monitor asset quality and implement early warning systems to minimize delinquencies.
Credit Risk Analyst
IDBI Bank Ltd.
Mumbai
08.2019 - 05.2024
- Conducted financial analysis of potential credit risks using quantitative and qualitative data for corporate/SME clients across Chemicals, NBFCs, Textiles & Auto sectors.
- Created presentations summarizing key findings from analyses conducted on various portfolios.
- Tested and validated internal rating models in alignment with Credit/ Regulatory norms.
- Designed quantified credit scoring matrices and risk evaluation frameworks.
- Authored detailed industry reports using macro/microeconomic indicators to guide credit policy formulation.
AGM & Head - Specialized MSME Branch
IDBI Bank Ltd.
New Delhi
02.2018 - 08.2019
- Led a branch with ₹300 crore business mix, managing over 60 MSME clients and 10,000+ retail accounts.
- Headed a 15+ member team of bank officials and direct sales executives.
- Formulated and executed a business plan focusing on key accounts, forecasting, and pipeline development.
- Managed NPAs through timely restructuring, recovery, and upgradation strategies.
AGM & Branch Head
IDBI Bank Ltd.
New Delhi
06.2013 - 02.2018
- Oversaw end-to-end branch operations including CASA mobilization, FDs, and client servicing.
- Developed strategies for customer acquisition and process efficiency.
- Partnered with local authorities for outreach on social security schemes.
Manager - Business Banking
IDBI Bank Ltd.
New Delhi
02.2009 - 06.2013
- Managed corporate relationships with marquee clients such as HCL, Amway, Pizza Hut, FITJEE & AIMS.
- Identified cross-sell opportunities and introduced tailored banking products.
- Built long-term engagement with HNI clients through personalized service.
Senior Officer - Branch Operations
ICICI Bank Ltd.
Kanpur
07.2006 - 01.2009
- Managed daily operations, team of 5 officers, and handled customer service, cross-selling, and compliance.
- Played a key role in achieving operational efficiency and improving client satisfaction.
Education
MBA - International Business
Lucknow University
05-2005
B.B.A - Business Management
Kanpur University
05-2002
Skills
- SME & Mid-Corporate Credit
- Credit Appraisal & Underwriting
- Risk Assessment & Compliance
- Financial & Industry Analysis
- Credit Monitoring & Early Warning Systems
- Credit Rating
- Asset quality monitoring
- Retail banking
- Retail banking
Certification
- Executive Programme in Fintech, Banking & Applied Risk Management, IIM Lucknow
- Certificate in Risk in Financial Services, IIBF
- JAIIB/Junior Associate of the Indian Institute of Bankers
- Certified Accounting & Audit Professional
- Certificate on Credit Management
Languages
English
Advanced
C1
Hindi
Upper Intermediate
B2
Timeline
Deputy General Manager
IDBI Bank
05.2024 - Current
Credit Risk Analyst
IDBI Bank Ltd.
08.2019 - 05.2024
AGM & Head - Specialized MSME Branch
IDBI Bank Ltd.
02.2018 - 08.2019
AGM & Branch Head
IDBI Bank Ltd.
06.2013 - 02.2018
Manager - Business Banking
IDBI Bank Ltd.
02.2009 - 06.2013
Senior Officer - Branch Operations
ICICI Bank Ltd.
07.2006 - 01.2009
MBA - International Business
Lucknow University
B.B.A - Business Management
Kanpur University
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