Avinash Bharti

I've managed credit-risk and impact analysis for National Skill Development Corporation's ₹813 crore equity and loan portfolio at Ernst & Young. I reduced NPAs by ₹51.03 crore year over year by redesigning recovery strategies around restructuring, rectification, and targeted one-time settlements.

I also cut SMA exposure through early-warning triggers and recovery actions, prepared restructuring and renewal notes from borrower financials and projections, and designed skill-loan assessment and renewal SOPs that informed the Model Skill Loan announced in the July 2024 Union Budget.

At State Bank of India, I supported a ₹400+ crore SME and corporate credit portfolio across multiple industries. I underwrote working-capital and term-loan facilities, LCs and bank guarantees, supported new-client acquisition, and managed end-to-end documentation, KYC, collateral, and post-sanction monitoring.

I've delivered 100% year-over-year credit growth while maintaining an AAA portfolio rating for two consecutive years. I bring a client-centric, disciplined risk mindset, alongside experience in Power BI reporting, process improvement, team supervision, financial inclusion, and impact-focused consulting.