Binay
Relationship Manager @ ICICI Bank | Financial Analysis, Credit Appraisals
- Role
- Manager i (Corporate Banking) Wholesale Banking Group at ICICI Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Binay
From writing SQL at Cognizant to structuring credit deals at ICICI Bank - I…
Experience
Manager i (Corporate Banking) Wholesale Banking Group
Jun 2023 — Present · Mumbai, IN
Portfolio Management & Risk Mitigation: Orchestrating the end-to-end credit lifecycle for a high-stakes portfolio comprising Large Conglomerates and NBFCs, consistently maintaining a zero-NPA status through rigorous due diligence and proactive risk monitoring.> Strategic Credit Underwriting: Executing intensive credit appraisals and complex risk assessments by leveraging advanced financial modeling and data-driven logic to evaluate multi-crore lending proposals.> Structured Finance & Deal Execution: Architecting sophisticated fund and non-fund-based credit structures—including Term Loans, Working Capital, and Trade Finance—tailored to meet the unique capital requirements of blue-chip corporate clients.> Asset Growth & Market Expansion: Spearheaded the onboarding of high-growth NBFCs and Housing Finance Companies (HFCs), strategically expanding the corporate loan book while adhering to the bank’s stringent risk appetite.> P&L Optimization: Driving sustainable revenue growth by identifying cross-selling opportunities, effectively increasing interest margins and fee-based income across the conglomerate segment.> Cross-Functional Leadership: Leading high-level synergy between Risk, Credit, and Compliance teams to streamline loan processing workflows, ensuring 100% regulatory alignment and accelerated time-to-market for complex deals.
Education
Management Development Institute Murshidabad
PGDM
2021 — 2023
KiiT University
Bachelor of Technology - BTech
2013 — 2017
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