ritika adhikari
@ritikaadhikari
Credit professional supporting Barclays' leveraged-lending portfolio, leading credit reviews and debt transaction execution.
IndiaWhat I'm looking for
At Barclays, I support a US leveraged-lending portfolio as a credit approver and reviewer, providing independent credit judgement and structuring input. I also oversee credit assessments and lead debt transaction execution, including financing structures, lender relationships, term sheet negotiations, and credit documentation.
At MUFG Bank, I owned the loan lifecycle for clients across APAC, from origination support and underwriting to portfolio monitoring. Earlier, at ICICI Bank Limited, I originated corporate banking business and managed client relationships; I'm now looking to grow into a more origination-focused mandate.
Experience
Work history, roles, and key accomplishments
Act as credit approver/reviewer on a US leveraged-lending portfolio, exercising independent credit judgement and structuring input. Lead a team of credit professionals and partner with coverage stakeholders and auditors through approval cycles.
AVP, Credit Portfolio Management
MUFG Bank
Jan 2023 - Dec 2025 (2 years 11 months)
Held end-to-end ownership of the loan lifecycle for a portfolio of clients across APAC countries, including origination support, credit appraisal, underwriting, and post-disbursement monitoring. Led strategic credit risk transformation projects and process automation.
Senior Associate, Corporate & Investment Banking
May 2020 - Dec 2022 (2 years 7 months)
Conducted comprehensive credit analysis of corporate clients across diversified industries to assess creditworthiness. Built DCF models, IRR sensitivities, and leverage analysis to evaluate and structure client capital needs.
Relationship Manager, Corporate Banking
ICICI Bank Limited
May 2017 - May 2020 (3 years)
Owned origination and relationship management for a portfolio of corporate banking clients across mid- and large-sized Indian corporates. Engaged directly with C-suite executives to build relationships and originate new business opportunities.
Credit Risk and Ratings
ICICI Bank Limited
Apr 2014 - May 2017 (3 years 1 month)
Led and mentored a team of risk analysts across the end-to-end lending life cycle, including credit rating for mid- and large-cap corporates. Evaluated lending proposals, assigned credit ratings, and recommended risk-mitigating measures.
Managed large-scale telecommunications projects within budget, achieving cost savings and reduced installation time through process improvements. Collaborated with technical subject matter experts to integrate and customize solutions to client requirements.
Education
Degrees, certifications, and relevant coursework
Indian Institute of Management Kozhikode
Advanced Analytics and Business Intelligence, Advanced Analytics and Business Intelligence
Completed Advanced Analytics and Business Intelligence program in June 2024.
NIIT University
MBA, Banking and Finance
Completed MBA in Banking and Finance through the Business Leadership Program with ICICI in April 2014.
Rajiv Gandhi Technical University
B.Tech, Electronics and Telecommunication
Completed B.Tech in Electronics and Telecommunication in June 2009.
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
Job categories
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