SUMIT

South Delhi, India Email: sumit.iimk@gmail.com

Mobile: +919167535681 https://www.linkedin.com/in/sumit-chaudhary-iimk/
Education
PGDM (Finance) 2008-2010 Indian Institute of Management Kozhikode
B.E (ECE) 2002-2006 Birla Institute of Technology Mesra, Ranchi
Class XII 2001 DAV Jawahar Vidya Mandir Shyamali, Ranchi
Class X 1999 Sainik School Tilaiya
Executive Summary
Experienced finance professional with over 10 years of experience in banking and Big 4 consulting firms. Specialized
in credit and credit risk management, with a strong focus on stressed assets resolution. Proven track record of
contributing to loan book growth while maintaining and improving asset quality. Adept at implementing risk
mitigation strategies and driving sustainable portfolio performance.
Skills
Credit Appraisal, Financial Statement and Ratio Analysis, Project Finance, Corporate Banking, Risk Management,
Portfolio Management, Financial Derivatives, Investment Management
Professional Experience 12+ years
Supervised my family business and stock market investments Jan 21 …… till date
• Built and managed a robust network of buyers and suppliers, resulting in a 20% increase in sales for the
wholesale pharmaceutical business.
• Managed stock market investments across multiple asset classes, including equities and derivatives
Bandhan Bank Limited AVP (Credit Risk), Apr 19 – Dec 20
• Assessed risk and conducted due diligence of credit proposals in the SME and Institutional segments (NBFCs
and MFIs) prior to credit committee review. Validated internal credit ratings using the CRISIL rating model.
• Formulated and implemented credit and risk related policies, including the Credit Policy, Credit Risk
Management Policy (CRMP), Credit Approval and Authorization Matrix (CAAM), and Risk Appetite
Framework (RAF).
• Prepared agenda notes and documentation for presentation to board-level committees, including the Credit
Risk Management Committee (CRMC) and the Risk Management Committee of the Board (RMCB).
• Achieved the growth of asset portfolio by ~30% while reducing SMA/NPA accounts by ~7%
EY (Ernst & Young) Senior Associate, Nov 17 – Mar 19
• Collaborated with the Restructuring and Transaction Advisory team to support distressed corporates across
various sectors in managing and resolving stressed loans with lenders. Developed viable loan restructuring
schemes in compliance with RBI guidelines; negotiated restructuring terms with lenders.
• Structured resolution plans involving debt realignment, reduction, and partial conversion into long-term
equity instruments to deleverage the balance sheet and enhance value for both debt and equity stakeholders.
• Conducted business monitoring for IBC cases under NCLT as part of the Insolvency Resolution Process
(IRP) team, including long-term viability assessment and cash flow forecasting in liquidity-constrained
environments.
• Prepared financial projections to assess the impact of debt realignment schemes on cash flows and
coordinated with potential investors for equity infusion to support business continuity and growth.
ACCIL Finance Manager, Mar 17- Nov 17
• Managed restructuring of credit facilities sanctioned to group companies by coordinating with lender
consortia under various RBI schemes, including 5/25, SDR, and S4A.
NABARD Project Finance Manager (NIDA Loans), Nov 15 – Sep 16
• Appraised credit facilities for sanction under NABARD Infrastructure Development Assistance (NIDA),
including funding for road infrastructure, power transmission line capex, and other projects in the power
sector.
 • Conducted site inspections and engaged with borrowers and their management teams to assess project status
and understand financing requirements.
ICICI Bank Limited Manager (Corporate Credit), Oct 12 – Nov 13
• Renewed the existing credit facilities (AQRs), agreed- in- principle (AIP) and appraised fresh sanctions
• Prepared sanction and post sanction notes for funding with details on project description, lending terms &
conditions, financial strength of Borrower (including Sponsors/ Promoters)
• Expertise on financial statement & ratio analysis using net cash accruals, TNW, interest cover, DSCR
• Appraised working capital requirements by analyzing CMA data, working capital cycle, and inventory holding
levels to determine Maximum Permissible Bank Finance (MPBF).
Bank of Baroda Manager MMG/S-II, July 10 – Oct 12
• Served as Manager – Corporate Banking, successfully achieved targets for advances growth and non-interest
income generation. Achieved ~15% growth in advances and ~20% growth in non-interest income.
• Conducted credit rating of borrowers, performing comprehensive business, industry, management, and
financial analysis based on CMA data, balance sheets, and annual reports. Determined risk-based pricing by
calculating interest rates aligned with risk-weighted exposure and RAROC (Risk-Adjusted Return on Capital).
• Led syndicated loan arrangements as the lead bank under consortium financing, responsible for full debt tie-
up & joint documentation, monitoring of TRA accounts, and creation of security charge in favor of all
lenders.
• Had an exposure to project finance and infrastructure lending, participated in syndicated loan, assessed risk
at various phases, achieved COD timely, disbursed as per drawdown schedule and monitored TRA/Escrow
account of the SPV.
• Possess extensive knowledge of fund-based credit products, including rupee term loans, external commercial
borrowings (ECBs) for long-term financing, and overdraft and working capital demand loan (WCDL)
facilities for short-term working capital needs.
• Achieved non-fund-based business targets, including issuance of Letters of Credit (LCs) and Bank
Guarantees; managed collection, negotiation, and realization of usance and sight bills.
Aricent Software Engineer, Jun 06 – Mar 08
• Worked closely with German Clients on development, maintenance and testing of product.
Additional Internships and Projects
• Participated in Advanced executive workshop on project and infrastructure finance, by CRISIL (Apr 11).
• Managed a portfolio of stocks and derivatives achieving higher return than NIFTY - SAPM course, IIMK
• Analyzed US treasury yield curves to compute yields - project on “Fixed Income Securities”
Positions of Responsibility
• Was co-founder and vice-president of the club “Jagriti” in BIT (2005-06)
• Was the treasurer of Rotract club in BIT (2005-06)
• Represented my house as team captain in Basketball tournaments and was declared winner (1997-98)
• Battalion Commander of 3 JH COMPO TECH COY, NCC, BIT Mesra in 2003- lead my team through
various camps-CATC97, CATC/Pre RDC2003, Annual Training Camp2003-04
Awards and Achievements
• NTSE scholar (National Talent Search Exam, awarded by NCERT) (1999)
• Cleared JAIIB and CAIIB certification exams conducted by Indian Institute of Banking and Finance (2011-
2012) with distinction
• Received NCC – ‘A’ and ‘B’ certificates (1998,2003)
• Received merit certificate & academic torch as batch topper throughout my high school career (1994-99).
• Secured an all-India Rank of 2420 in the IIT JEE-2002 examination, JMET AIR 84 (2008)