Chetan Dhawan

Experience

1. Team Lead - Internal Ratings and Risk Management

   HDFC Bank

   Jan 2018 — Present · Mumbai, IN

   Handling a team of 8 analysts in-charge of assigning and monitoring internal rating of the assigned portfolio Internal risk assessment and portfolio monitoring for the Bank’s NBFC portfolio and Small and Mid Corporate portfolio, having Rs 2 lakh+ crore exposure Management and development of team; managing escalations to resolve deadlock between analysts and relationship managers Assign ratings as per Bank’s internal rating scale basis comprehensive and independent analysis by assessing credit proposals, financial statements, projections, peer group, industry and other public/non public information to assess the credit worthiness of the entity. Developing stress testing methodology to identify high risk borrowers and undertaking suitable rating actions Periodic portfolio stress testing and ad hoc risk simulation and assessment to estimate impact of sectoral developments, macro economic developments, etc. Undertaking assessment of industries to determine internal rating grades on a frequent basis as well as qualitative assessment sector classification for Ind AS provisioning Lead, conceptualized and set up automation initiatives and solutions, surveillance mechanisms, frameworks and processes to ensure dynamic portfolio monitoring and enhanced governance Developed and implemented framework to enhance information management, documentation and governance when assessing internal ratings Conceptualization and implementation of rating platform for the Bank Developed internal rating model for assessment of NBFCs, as well as for assessment of parent support to enable adoption of support driven ratings Developed spread template for assessment of NBFCs as also defined analytical ratios

Education

• SIMSREE, University of Mumbai

  MMS, Finance, General

  2012 — 2014

• Pune Institute of Computer Technology

  Engineer's Degree, Computer Engineering

  2006 — 2010