Utkarsh Tarika
Process Lead – Credit Risk & Portfolio Management | NatWest | Ex–ICICI, Kotak (Branch Ops & Leadership) | MBA (Finance) | Financial Spreading | Covenant Testing | FMVA | AML/KYC | CFA Investment Foundations
- Role
- Process Lead(Qc)-portfolio Mangement (Commercial Banking) at NatWest Group
- Location
- New Delhi, DL, IN
- LinkedIn followers
- 500 followers
About Utkarsh Tarika
I am a results-driven banking and credit professional with over 6 years of experience spanning commercial lending, credit risk, quality control, branch operations, and team leadership. Currently serving as Process Lead (Quality Control) – Portfolio Management at NatWest Group, I specialize in financial spreading, covenant testing, and creditworthiness assessment for commercial portfolios.Previously, I held leadership positions at ICICI Bank and Kotak Mahindra Bank, where I led teams of 10+ people, optimized operations, and ensured AML/KYC compliance, and improved service quality in high-volume banking environments.I bring a unique blend of on-ground operational experience and credit analytics acumen, having successfully transitioned from branch management roles to a more analytical, control-based position in a global bank.
Experience
Process Lead(Qc)-portfolio Mangement (Commercial Banking)
May 2025 — Present · Gurugram, IN
Performing independent Quality Control reviews of financial spreads and covenant tests to ensure accuracy, completeness, and compliance with internal credit policy and regulatory standards.Acting as a second line of defense to maintain data integrity and support sound credit decisions by credit analysts.Collaborating with portfolio managers and risk teams to enhance decision-making and reduce credit exposure errors.Previously led the process team in preparing financial spreads and covenant testing, ensuring timely and accurate delivery of work to meet business SLAs.
Education
University of Delhi
Bachelor of Commerce - BCom, Business/Commerce, General
2015 — 2018
St. Mary's Academy - Saharanpur
High School Diploma, Business/Commerce, General
2014 — 2015
University of Delhi
Master of Business Administration - MBA, Finance, General
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