Summary
Overview
Work History
Education
Skills
Objective
Certification
Project
Timeline
Generic
VAIBHAV SRIVASTAVA

VAIBHAV SRIVASTAVA

Summary

SENIOR MANAGEMENT PROFESSIONAL Result-oriented with 13 years & 06 months of experience in leading NBFC/Banks, with core strengths in Risk, Audit, Operations, Credit Risk Analysis, Financial Analysis, Credit Risk Modelling & Validation.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Regional Risk Manager

NABFINS
Nagpur
11.2014 - Current
  • Proficient in Credit and Risk Assessment, Business Analysis, SME Lending, Corporate Finance, Operations
  • Sound knowledge of credit systems, financial collections, debt management, reporting and all related credit-based system operations
  • Effectively assessed credit risk and (current and potential) client viability, analyzing financial statements and cash flow of customers
  • Creating alternatives and recommending courses of action to reduce costs and improve the company’s finances
  • Doing business studies on past, future, and comparative performance and developing forecast models
  • Compared items, such as liquidity, profitability, credit history and cash, with other companies of the same industry, size and geographic location
  • Analyzed such factors as income growth, quality of management, market share, potential risks of industry and collateral appraisal
  • Analyzed credit information in to determine the risk involved in lending money to customers
  • Taking credit decisions based on the analysis of financial statements and financial ratios of the company
  • Analyze data to better understand potential risks, concerns and outcomes of decisions
  • Monitor internal and external data points that may affect the risk level of a decision Career

Credit Manager

Cent Bank
Bhopal
08.2012 - 09.2014
  • Assessment of risk associated with the pre and post credit by implementing various tools and techniques of credit risk
  • Administering the process of Credit Appraisal & Credit Monitoring while managing the acquisition of corporate & mid-corporate clients; working on business development activities for credit portfolio and processing loan while sharing recommendations to appropriate authority on credit processes
  • Attending & resolving queries raised by vetting, maintaining compliance of data as per advance proposals & submission of reports to regional office, sharing credit sanction status to borrower, reviewing security documents and checking conditions before disbursal
  • Ensuring eligibility of the borrower for ensuring compliance to all rules & regulations & scrutinizing KYC and income documents
  • Analyzing of cash flow and ratio analysis for bulk finance cases (Institution Finance)
  • Delivering credit assessment targets within the required TAT, Maintaining Healthy credit portfolio (Delinquency Management)
  • Conducting due diligence, compiling & submitting credit-worthiness reports, obtaining financial statements, and communicating early warning signals of slippages of assets into non-performing to authorities on a timely basis
  • Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan
  • Appraising loan proposals & scrutinizing relevant documents before sanctioning/ disbursing; ensuring compliance with standard policies and analyzing various risks associated with a product to mitigate them
  • Assessing the creditworthiness of the prospective customers to extend financing facility after studying client’s portfolio details and taking adequate steps to ensure timely receipt of recovery
  • Devising and implementing policies/procedures for all-round development of banks as well as reducing overall costs to the branch through various means
  • Following customer centric approach for addressing client priorities & resolving escalation within TAT, thereby attaining high business & compliance score
  • Coordinating with various departments/branches for smooth execution of the activities; ensuring smooth & complaint free branch functioning
  • Enhancing customer satisfaction matrices through suitable product offerings and & monitoring and resolving customer complaints
  • Building and maintaining healthy business relations with key clients & channel partners and ensuring maximum customer satisfaction

Operations Manager

HDFC Bank Ltd
Lucknow
01.2012 - 06.2012
  • Role: Branch Operations, Account Opening, KYC-AML - Central Processing Unit, Retail Asset Operations, Branch Banking, Loan Proposal Origination and recommendation for sanction
  • Compliance with mandatory regulatory requirements

Operations Manager

ICICI Bank
Surat
09.2008 - 12.2011
  • Role: Branch Operations, Account Opening, KYC-AML - Central Processing Unit, Retail Asset Operations, Branch Banking, Loan Proposal Origination and recommendation for sanction
  • Compliance with mandatory regulatory requirements

Education

MBA - Finance

BIT
Mesra Ranchi
08.2008

Bachelor of Arts - Economics

BHU
Varanasi
06.2006

Skills

  • Capital Market
  • Derivatives
  • Corporate finance (M&A and Capital Raising)
  • Credit Risk Management
  • Accounting fundamentals
  • Credit Analysis
  • Financial statement analysis
  • Financial modeling
  • Banking Operations
  • Excel skills (with proficiency)

Objective

Secure the position of “Investment banker” by joining your firm, where I can utilize my expert analytical and financial skills towards the development of the organization

Certification

  • 2022 : PG Diploma in Investment Banking from Datatrained
  • 2020 : FRM (Financial Risk Management) from IIM Kashipur

Project

  • Project done on PE Band Analysis to analyze the best time of investment in the stock market
  • Estimation of Value at Risk (Var) by using various credit risk models.

Timeline

Regional Risk Manager

NABFINS
11.2014 - Current

Credit Manager

Cent Bank
08.2012 - 09.2014

Operations Manager

HDFC Bank Ltd
01.2012 - 06.2012

Operations Manager

ICICI Bank
09.2008 - 12.2011

MBA - Finance

BIT

Bachelor of Arts - Economics

BHU

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