If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00248925

PROFILE:

• An accomplished banking professional with over two decades of experience in first and second line of defence for managing end to end Credit Cycle and Enterprise Risk Management.
• Qualified Chartered Financial Analyst (CFA), FRM (GARP) and MBA.
• In depth expertise in financing Corporates, FIs and SMEs; and property backed finance (Mortgages/Buy to Let/Commercial Real Estate). Approved single ticket exposures up to $35 million.
• Skilled in Credit Risk Management Framework. Rolled out systems for credit underwriting, risk analysis and implemented improved processes to track portfolio performance.
• Highly analytical, result oriented professional with proven team management experience and an aptitude for change management.

SKILLS:

Underwriting loans and investments across various industries in developed economies and emerging markets:

- Financial Analysis (Cash flow modelling, P&L, Balance Sheet, Sensitivity analysis)

- Business Analysis

- Structuring of Transactions (including covenant stipulation, price recommendation, level of investment)

- Presentation to the Board/senior management.

• Setting up framework for identifying, assessing, mitigating, and monitoring credit risk in Mortgages and various segments of Commercial Real Estate (Office, Retail, Industrial Property, PBSA, Care Homes, Hotels, Residential blocks, REITs) and Development Finance.
• Preparation and implementation of credit risk and investment risk related policies, development of KRIs for Credit Risk.
• Monitoring and reporting of Key Financial Risk indicators across businesses, including credit and concentration breaches.
• Managing large teams of analysts and team leaders.
• Proficiency in Microsoft Office, PowerPoint, Excel and working knowledge of SAS.

QUALIFICATIONS:

• CFA (Chartered Financial Analyst) – CFA Institute, USA
• FRM - Global Association of Risk Professionals (GARP), USA
• Professional Development Training Program - Indian Institute of Management, Lucknow, India

CAREER HISTORY:

May 2023 – Present

Banking

• In the UK since 1966 providing a high standard of British banking practice with a good understanding of the needs of offshore investors and visitors from the Gulf.

November 2024 – Present

Head of Credit Risk

• Holding the position of Head Credit Risk, acting as deputy to CRO (SMF4) for all credit risk related matters.
• Assigned individual approving authority [up to $15 Million] for investment exposures (FIs: bonds/funds/placements) and credit exposures (Commercial property backed transactions/ Residential mortgages/ Wealth management including Real Estate Lending to HNIs).
• Second line challenge to all proposals/exposures within approving powers of Risk Committee/Board.
• Development of KFH plc Credit Risk guidelines and processes including credit rating systems, portfolio analysis, and risk/return methodology.
• Executive owner of IFRS9 impairment framework, accountable of ECL methodology (PD/LGD/EAD), macroeconomic scenario governance, model validation, and Risk Committee level reporting across £1.5B lending portfolio.
• Management of NPLs and arrears monitoring.

May 2023 – October 2024

Senior Credit Analyst

• Second line challenge to all proposals/exposures [ CRE, Corporate, Institutional, Real Estate,
• Investments ] within approving powers of Risk Committee/Board.
• Approver of Lending Applications.
• Preparation of Risk Review Report including Climate Risk analysis for high ticket proposals and its presentation to Credit Committee.

May 2022 - May 2023

Banking

Head – Credit Risk Management

• Leading Indian bank with presence in nineteen countries and 65 years of presence in the UK.
• Provided challenge to 1LOD credit proposals on FIs, syndicated/ bi-lateral loans to corporates, project finance, CRE and BTL.
• Voting member in the Credit Approval Committee (for counterparty exposure up to $11 million).
• Periodic review of UK Credit portfolio from 2LOD perspective and reporting to the Board.
• Maintain and validate Credit Risk Rating models and scorecards.
• Held ownership of Credit Policy and procedures and ensured adherence to the regulatory requirements.
• Oversight of the Bank’s Risk Appetite Statement and reporting escalations related to credit risk KRIs and thresholds.
• Report preparation covering Credit matters for Board Risk Committee, in support of CRO reporting.
• Oversight of ICAAP, Recovery Plan and Resolution Plan (RRP)

March 2021 - February 2022

Banking

National Credit Head - SME

• India’s leading Private Sector Bank with one hundred years of vintage and majority ownership of Fairfax. Ranked #2 by
• Forbes in the World’s Best Banks (India).
• Lead a 30-member team managing end-to-end credit cycle for the asset book comprising SME and mid-corporates.
• Held individual approving power up to $2 million and as a committee member up to $3.5 million.
• Maintained robust Credit Risk Rating models to monitor and report on portfolio credit quality.
• Enhanced Credit policies and procedures to align with business strategy and adherence with regulatory requirements.

November 2017 - August 2020

Banking

India’s largest bank and the world’s 43rd largest bank in terms of assets, a global bank with a network of over 22,000 branches in India and foreign offices in thirty-two countries.

Chief Credit Officer

• Executive ownership of credit risk policy and framework of the Bank.
• Credit Committee member with approving powers up to $50 million.
• Lead Credit Underwriting and Credit Administration teams comprising of 20 members.
• Developed Credit Risk Grading Models for BTL, CRE and corporates.
• Formulated and implemented Early Warning System (EWS) for loan assets.

Risk Manager

• Underwriting of leveraged loans, corporate loans, project finance, investments, and CRE exposures.
• Review of KRIs and reporting of breaches to Risk Committee.
• Setting up & monitoring of exposures against currency, country, and industry/sector limits.
• Prepared reports on trends in the quality of loan as well as investment portfolios.
• Undertook periodic stress testing on all types of credit, concentration, and country exposures.
• Preparation of Risk Management Packs for Risk Management Committee and Board Risk Committee.

March 2011 - September 2017

Banking

• Second largest private sector bank in India by market capitalization, headquartered in Mumbai, India, with a network of 1,600 branches across 779 locations and 2,519 ATMs in the country.
• Vice President – Credit (West Zone)
• Headed a team of Senior Risk Analysts responsible for underwriting of loans to Mid-Market Firms (having Annual Revenue up to US$ 400 Million) across industries including Pharma, Apparel, Auto Ancillary, Capital Goods, Retail, Diamond, Shipping, and Transport.

October 2003 - March 2011

Banking

• India's second largest private sector bank by asset size with total assets US$ 191 billion on March 31, 2020, with a network of 5,324 Branches and 15,688 ATMs across India
• West Zone Risk Head for Small & Medium Enterprise (SME)
• Managed a team of credit analysts and team leaders responsible for risk analysis of loan request proposals for working capital, term loan, and project funding.

References Available Upon Request

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

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