Shubham Shah

About Shubham Shah

As a Credit Risk Manager at HSBC, I specialize in safeguarding large-scale corporate assets and driving portfolio optimization through high-stakes risk mitigation. With a PGDM (BFS) from IMT Ghaziabad and a career foundation built at Emkay Global and TCS, I bridge the gap between rigorous quantitative analysis and the strategic foresight required for complex, distressed lending environments.I focus on quantifying the \"downside\" to ensure sustainable growth, moving beyond standard underwriting to lead active asset rehabilitation and resolution.Core Value & Impact: Asset Rehabilitation & Recovery: Designed and executed turnaround strategies for distressed entities, preventing slippage into non-performing categories and protecting bank capital. Strategic Exit Execution: Applied tailored risk frameworks to complex corporate cases, resulting in superior exit strategy execution for high-risk accounts compared to portfolio benchmarks. Cross-Functional Leadership: Partner with Relationship Managers, Legal, and Senior Risk Committees to facilitate informed credit approvals and strengthen institutional risk frameworks.I am passionate about leveraging data-driven insights to fortify risk frameworks in the corporate banking space—thriving in environments that demand both technical rigor and decisive action. Key Skills: Special Credit Units (SCU)| Stressed Asset Management | Financial Restructuring | Portfolio De-risking | Corporate Banking | EWS Monitoring | Financial Modeling

Experience

1. Credit Risk Manager

   HSBC

   Sep 2024 — Present · Kolkata, IN

   Wholesale Credit Risk Management, UK Business Banking Portfolio Rehabilitation: Led the credit monitoring for a high-volume Business Banking portfolio, identifying deteriorating credit trends through proactive EWS (Early Warning Signal) detection. Loss Mitigation: Formulated risk mitigation strategies for accounts showing signs of stress, including collateral enhancement and restructured repayment schedules to prevent slippage into NPA. Covenant Management: Executed rigorous tracking of financial and non-financial covenants; negotiated waivers and amendments for distressed entities to ensure business continuity while protecting bank capital. Decision Support: Authored comprehensive credit papers for senior risk committees, focusing on the \"Downside Risk\" and recovery viability of SME corporate borrowers.

Education

• Institute of Management Technology, Ghaziabad

  Master of Business Administration - MBA, Banking and Financial Support Services

• University of Calcutta

  Bachelor of Commerce - BCom, Accounting and Finance