# ritika adhikari ritika adhikari is a remote worker on Himalayas, VP, Leveraged & Structured Lending at Barclays, based in India. Source: https://himalayas.app/@ritikaadhikari ```text Credit professional supporting Barclays' leveraged-lending portfolio, leading credit reviews and debt transaction execution. ``` | Detail | Value | | --- | --- | | Availability | Looking for a job | | Location | India | | Authorized to work in | India | | Salary expectations | 35k+ USD | | Job categories | Credit Risk Manager, Debt Origination | | Skills | Debt Origination, Leveraged Finance, Structured Lending, Corporate Banking, Institutional Banking, Credit Structuring, Credit Underwriting, Credit Risk Assessment, Credit Ratings, Financial Modeling, Deal Structuring, Syndication Loans, High Yield, Securitizations, Working Capital Finance | | LinkedIn | https://linkedin.com/in/ritika-adhikari | ## What I'm looking for ```text I'm looking to build on my execution foundation and grow into a more origination-focused mandate, bringing rigorous credit judgement and transaction management to a team's business development efforts. ``` ## About ```text 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 ### VP, Leveraged & Structured Lending (current) [Barclays](https://himalayas.app/companies/barclays-com). Jan 2026 - Present ```text 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. ``` Skills: Credit-Analysis, Leveraged-Finance, Structured-Lending, Team-Leadership, Credit-Approvals, Governance, Stakeholder-Management ### AVP, Credit Portfolio Management MUFG Bank. Jan 2023 - Dec 2025 ```text 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. ``` Skills: Credit-Portfolio-Management, Underwriting, Term-Sheet-Negotiation, Financial-Modeling, Structured-Finance, Syndication-Loans, Leveraged-Lending, High-Yield, Risk-Management, Process-Automation, Team-Mentoring ### Senior Associate, Corporate & Investment Banking [JPMorgan Chase & Co.](https://himalayas.app/companies/jpmorgan-chase-co). May 2020 - Dec 2022 ```text 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. ``` Skills: Credit-Analysis, Financial-Modeling, DCF-Valuations, IRR-Analysis, Leverage-Analysis, Bloomberg, Capital-IQ, S&P-Methodologies, Documentation-Review, Stakeholder-Management ### Relationship Manager, Corporate Banking ICICI Bank Limited. May 2017 - May 2020 ```text 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. ``` Skills: Relationship-Management, Originations, Working-Capital-Finance, Trade-Finance, Treasury, Cross-Selling, Account-Planning, Credit-Proposals, Client-Acquisition ### Credit Risk and Ratings ICICI Bank Limited. Apr 2014 - May 2017 ```text 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. ``` Skills: Credit-Risk, Credit-Ratings, Financial-Modeling, International-Covenant-Analysis, Default-and-Recovery, IRR-Sensitivities, Legal-Documentation, Term-Sheet-Negotiation, Regulatory-Audit-Processes, RBI, Team-Leadership ### Project Manager / Pre-Sales [Nokia Siemens Networks Limited](https://himalayas.app/companies/nokia). Nov 2009 - Sep 2012 ```text 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. ``` Skills: Project-Management, Pre-Sales, Telecommunications, Process-Improvement, Cost-Management, Client-Solutions, Quality-Management, Risk-Management ## Education ### Indian Institute of Management Kozhikode Advanced Analytics and Business Intelligence, Advanced Analytics and Business Intelligence ```text Completed Advanced Analytics and Business Intelligence program in June 2024. ``` ### NIIT University MBA, Banking and Finance ```text 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 ```text Completed B.Tech in Electronics and Telecommunication in June 2009. ``` ## Tech stack - Tableau - Power BI To contact ritika, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire). ## People also viewed - [Rucha Patil](https://himalayas.app/@ruchapatil): Senior Associate (AVP) – Payments, J.P. 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