Benjamin S. K.

About Benjamin S. K.

I am a Credit Risk Analyst in the Global Credit Risk Management Group (GCRMG) of ICICI Bank. I hold a PGDM/MBA degree from the Indian Institute of Management, Lucknow, and a BE/B.Tech degree in Mechanical Engineering from Indian Institute of Engineering Science and Technology, Shibpur. My core competencies include financial modeling, credit risk assessment, financial statement analysis, and portfolio management.In my current role, I have handled a portfolio of 50+ corporates across 15+ industries of top domestic conglomerates. I have extensive experience in working with a wide variety of domestic and cross-border transactions, such as project finance, working capital, corporate loans, etc. In my past roles, I have worked in ERP Consulting and functional testing. I am motivated by the opportunity to work with diverse and talented teams and contribute to the growth and success of the organization. I believe I can bring a unique perspective and experience to the team, as I have a strong background in both engineering and management and have worked in different domains and sectors.

Experience

1. Credit Risk Analyst

   ICICI Bank

   Oct 2020 — Present · Kolkata, IN

   Portfolio Management- Handled portfolio of 50+ corporates across 15+ industries of top domestic conglomerates- Processed incremental sanctions over INR 175 billion across 180+ credit proposals- Responsible for periodic monitoring including Asset Quality Review of portfolio companiesFinancial Modelling & Due Diligence- Extensive experience in financial modeling, credit risk assessment, and financial statement analysis- Conducted periodic stress testing and sensitivity analysis to assess the impact of adverse market conditions on the credit portfolio and provide insights for risk management decisions- Experience in deal structuring, and execution of a wide variety of domestic and cross-border transactionsRisk Management and Credit Rating- Prepared detailed rating rationales and presentations for senior management and committees, effectively communicating key risk indicators, trends, and recommended actions- Proficient with key rating assessment models etc- Driven risk assessment for multiple sectors, including timely reviews and analysis of emerging risksRegulatory & Compliance- Diligently maintained credit files and supported external and internal auditors with nil adverse observations- Effectively managed proposal due dates, with timely submission of performance reviews, covenant monitoring, and regulatory requirement submissionsSecretarial- Liaison between 60+ teams across 20+ groups to prepare & circulate board level Credit Committee Agenda and minutes for 80+ meetings

Education

• Indian Institute of Engineering Science and Technology (IIEST), Shibpur

  Bachelor of Engineering (BE), Mechanical Engineering

  2012 — 2016

• Indian Institute of Management, Lucknow

  PGDM, MBA

• Delhi Public School (DPS)

  High School , Science

  2000 — 2012