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SOURAV ROY ROY CHOUDHURY
Commercial Banking Specialist
Greenwood,IN
Summary
Performance-driven professional with 7 years of experience in Commercial or Wholesale Banking and Credit Risk management. Passionate about applying excellent credit risk and financial analysis skills in day to day work. Results-oriented individual well-versed in effective communication skills and always on the lookout for value addition in every professional contribution.
Overview
10
10
years of professional experience
8
8
years of post-secondary education
2
2
Certification
Work History
Vice-President
HSBC Bank
, Delhi
01.2022 - 11.2022
- Acquired good quality asset relationships Corporates in Commercial Banking space in Delhi, relationships built on the basis of strong credit quality and business model
- Prepared and presented detailed Credit Appraisal Notes involving Financial Statements analysis, industry analysis, company analysis, peer analysis, promoters’ strengths, product analysis.
- Managed Portfolios/Accounts with book size of USD 30 Mn - which involved maintaining credit quality within the portfolio, continuously monitoring credit profile of the clients and exploring opportunities for credit enhancement.
- Monitored industry trends, keeping current on latest changes and competition in industry.
- Added value to clients through varied offerings and suggestions. Dealt in multifaceted products like Term Loans, Working Capital, Trade focused products, Treasury focused products alongwith cash management offerings.
- Achieved Top 5 position pan India for continuous 4 months.
Senior Manager| State Head
India Ratings & Research Pvt. Ltd
, Delhi
04.2021 - 12.2021
- Scoped issuers in Mid Corporate segments for credit ratings of their bank loans/NCDs/other debt issues or issuer ratings in Delhi.
- Headed the state of Madhya Pradesh for business development activities from scratch with BDOs reporting to me.
- Forged multiple relationships with various Scheduled Banks, NBFCs, Industry Associations etc.
Assistant Vice President - Mid Corporates
Yes Bank Ltd
, Delhi
07.2015 - 03.2021
- Acquired good quality Asset banking relationships with corporates with revenues upto $120 Mn in the following industries - Food & Beverages/Textiles/Oil & Gas/Professional Services.
- Prepared Credit Risk Notes with Financial Statements analysis, industry analysis, company analysis, promoters’ strengths, product offerings. Presented credit proposals to various CXOs of the bank for approval.
- Executed greenfield as well as brownfield Project Finance deals with debt size of USD 25 Mn from end to end including detailed credit/business risk assessment and appraisal, environmental risk assessment.
- Focused on strengthening Liability book of the bank thereby leading to enhancement of deposit base. Was also awarded as a top 3 liability trendsetter pan India.
- Took initiative as a core member of a Strategy team for integration and digitization of CRM of the department.
- Received Appreciations from Country Head for smoothly carrying out big ticket critical transactions on various occasions.
- Implemented critical process improvements in my division in the region, as a part of strategy team. Always took initiatives on adding value to the organisation.
- Proposed analytical dashboard for my division for performance evaluation of employees.
Summer Intern
Sapient Consulting Limited
, Haryana
04.2014 - 05.2014
- Was part of Mobility Operations Team with focus on Risk Assessment and Optimization
- Categorized the entire chain of processes - Bucketization & Project Charter.
- Subsequently, mapped processes using SIPOC & MS Visio diagrams.
- Prioritized processes as per rating/RPN and proposed strategies for minimizing and optimizing risks
- Gained practical experience of working on tools used by Quality Function of an organisation.
Systems Engineer
Tata Consultancy Services
, Delhi
12.2010 - 05.2013
- Provided Application support to TCS Internal Project Clients/users at Offshore site of a Pharma client.
- Handled TCS Assets including software technologies.
- Handled the security and enterprise infrastructure of the Client offshore ODC.
- Received around 15 appreciations from Client and Project managers.
- Was Praised by "Health and Safety Environment" auditors for various initiatives taken while at work.
Education
MBA - Finance
Indian Institute of Foreign Trade
New Delhi 07.2013 - 04.2015
Bachelor of Engineering - Instrumentation & Control Engineering
Netaji Subhas Institute of Technology
Delhi 08.2005 - 06.2009
AISSCE (XIIth Grade) - Physics, Chemistry, Mathematics, Economics
B.S, Science Summer Fields School
04.2004 - 05.2005
Skills
Credit Risk Management
Accomplishments
- Received recognition from school for scoring 90+ % in XII in CBSE Boards and securing IIIrd in school.
- Presented a sell side pitch book for a leading FMCG company encompassing industry analysis, benchmarking,basic valuation techniques & potential bidders as part of The Finance Club at IIFT.
- Passed 2 levels of Chartered Financial Analyst certification in consecutive years.
Software
Certification
Chartered Financial Analyst Level 2
Interests
Reading and puzzle solving
Sports Enthusiastic about cricket, badminton and table tennis
Music Trained Hindustani Classical
Traveling
Timeline
Chartered Financial Analyst Level 2
01-2023
Vice-President
HSBC Bank
01.2022 - 11.2022
Senior Manager| State Head
India Ratings & Research Pvt. Ltd
04.2021 - 12.2021
Assistant Vice President - Mid Corporates
Yes Bank Ltd
07.2015 - 03.2021
Summer Intern
Sapient Consulting Limited
04.2014 - 05.2014
MBA - Finance
Indian Institute of Foreign Trade
07.2013 - 04.2015
Systems Engineer
Tata Consultancy Services
12.2010 - 05.2013
Bachelor of Engineering - Instrumentation & Control Engineering
Netaji Subhas Institute of Technology
08.2005 - 06.2009
AISSCE (XIIth Grade) - Physics, Chemistry, Mathematics, Economics
B.S, Science Summer Fields School
04.2004 - 05.2005
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