At Kotak Mahindra Bank, I lead enterprise risk oversight for a ₹100 Cr promoter-led SME portfolio, preparing credit notes, structuring working-capital facilities, and defending proposals in sanction and credit committee discussions. I monitor DPD, covenant, PDD, and early-warning risks while partnering with Credit, Legal, Ops, and Fraud Control teams.
Across ICICI Bank, Aditya Birla Finance, Edelweiss Financial Services, and American Express, I've built and managed lending portfolios, structured risk-aligned deals, reduced delinquency, and driven revenue through lending, trade income, and cross-sell. I also mentor nine Relationship Managers and use Power BI and Excel MIS to support portfolio governance reporting.
