Abhishek Dharam
Vice President & Team Lead Ifi Department @RBL Bank
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WORK HISTORY
Vice President & Team Lead Ifi Department @RBL Bank
New Delhi, IN
Led onboarding, credit assessment, and funding for 25+ NBFCs, scaling the asset book from ₹300 Cr → ₹1,200 Cr.Structured transactions by preparing and presenting credit appraisal memos, negotiating pricing, covenants, cashflow structures, and security packages with NBFC CXOs.Strengthened portfolio quality through continuous risk monitoring, EWS tracking, stress analysis, and compliance oversight.Diversified the NBFC franchise across MFI, 2W, CV, SME, and Affordable Housing, significantly mitigating concentration risk.Expanded the liability portfolio to ₹500 Cr, enabling cross-sell of treasury, CMS, and transaction banking products.Coordinated with credit, legal, operations, and treasury teams for smooth deal execution and book management.
EDUCATION
Rajiv Gandhi Prodyogiki Vishwavidyalaya
Bachelor of Engineering (BE), Electrical and Electronics Engineering
Indian Institute of Management, Lucknow
Master of Business Administration (MBA), One Year Full Time MBA General
Delhi School of Economics
MHROD, HR
ESCP Business School
International Module of the IPMX Program of IIM Lucknow at ESCP Paris and Berlin, Managing in European Business Environment
SKILLS
ABOUT ABHISHEK DHARAM
A postgraduate in Business Administration (PGPX) from IIM Lucknow with the demonstrated business acumen of working in the banking industry. I have 13+ years of experience in NBFC lending, credit underwriting, portfolio management, and relationship leadership across top Indian banks. Over the years, I have built and scaled NBFC portfolios, structured complex transactions, strengthened risk frameworks, and partnered closely with promoters and CXO-level teams to drive sustainable growth.In my current role at RBL Bank, I lead the IFI NBFC lending franchise for North & East India, managing a diversified portfolio across MFI, 2W, CV, SME, and affordable housing finance. I specialise in credit assessment, deal structuring, underwriting, and end-to-end execution while maintaining strong portfolio quality and compliance.Earlier, I contributed to scaling NBFC business in AU Small Finance Bank and led credit and branch operations during my tenure at SBI, managing teams, improving profitability, and bringing NPAs to nil.I enjoy working at the intersection of risk, business, and financial strategy, and I’m passionate about building long-term, trust-based partnerships in the NBFC ecosystem.
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