SHASHANK RAO

Mumbai, Maharashtra, India | (+91) 9833 967 054 | : raoshashank4293@gmail.com

https://www.linkedin.com/in/raoshashank4293/ | Visa Status: Holding PR

ACADEMIC QUALIFICATIONS
 PGDM (Banking and Financial Services), National Institute of Bank Management, India, 2019
 Master of Commerce (Accounts and Finance), Mumbai University, India, 2016
 IPCC, Institute Of Chartered Accountants Of India, India, 2014
 Bachelor of Commerce, SIES College Of Commerce And Economics, India, 2014
 HSC, SIES College Of Commerce And Economics, India, 2011
 SSC, OLPS High School, India, 2009

PROFESSIONAL EXPERIENCE
Indusind Bank, India Nov 2021 – Ongoing
 Designation: Credit Analyst (Chief Manager) in the Credit/Risk vertical of Corporate & Investment Banking segment (client
annual turnover > INR 1,500 Crores) of the bank.
 Vetting of loan applications initiated by Business team and credit underwriting of the Large Corporate deals by preparation of
detailed credit notes in adherence to RBI and bank policy guidelines, and ensuring clearance from sanctioning committee.
Handling portfolio risk management, annual review, credit monitoring, industry analysis, peer analysis, monitoring economic
and industry developments, and financial parameters of clients to detect potential risk triggers or signs of stress and taking
appropriate steps to mitigate risks.
 Coordination with Relationship Managers, legal and Credit Administration teams in the entire lending activity, existing portfolio
management and other day to day activities.

CSB BANK (Formerly known as the Catholic Syrian Bank), India Aug 2019 – Nov 2021
 Designation: Credit Analyst/Portfolio Manager in the Wholesale Banking team at CSB Bank, Mumbai.
 Handling Credit proposals of ticket size >INR 25 Crores, from corporate clients having annual turnover >INR 500 Crores, both
New to Bank and existing.
 Credit risk analysis and underwriting of large corporate /mid-market loan proposals post in-depth discussions with clients. Deal
structuring, due diligence, preparation of the Credit Memo to be placed to the sanctioning authority within desirable TAT.
Assessment of credit quality of the existing borrowers via internal credit rating exercise, conducting annual review/ renewals,
credit portfolio monitoring, early warning signal detection. Also attended consortium meetings, unit visits.
 Managing the entire fresh loan lending process end-to-end covering underwriting and obtaining sanction followed by
documentation, valuation, disbursement in coordination with ops, legal and risk personnel, and relationship management/client
servicing thereafter.
 Have handled products like Term Loan, Bank Guarantee, Working Capital and analyzed the credit risk in funding potential clients
spread across domains/sectors like NBFC (including Housing finance companies and non-bank lenders in other segments), real
estate, infrastructure construction, solar power, manufacturing etc.

Axis Bank, India Jul 2014 – May 2016

 Designation: Officer
 Was a part of Central Processing Unit team and handled retail customer onboarding, KYC compliance, timely and error free
CASA opening procedures, thus ensuring customer due diligence

INTERNSHIPS
 Summer Internship at HDFC Bank (April-June 2018) on the Project Title “Review of the Money Market, Investment, PD and CSGL
processes at Treasury Operations”
 S.Raghunath and Associates Chartered Accountants (December – February 2013) Interned for 2 months at the audit firm and
worked on accounting, auditing, and tax advisory

POSITIONS OF RESPONSIBILITY AND PROJECT DURING POST GRADUATION

 Member Of Placement Committee & Student Council during MBA
 Project on Assessing the Global impact of IFRS 9 (Financial Instruments) Implementation across European banks
CERTIFICATION
 Accounting technician by virtue of clearing CA-CPT, IPCC
 Credit Appraisal by CRISIL, Cash flow-based lending by CARE Ratings, Assessment of FB/NFB WC limits by NIBM
 Well-versed with RBI guidelines, financial analysis, and MS Office

ACTIVITIES & INTERESTS

 Avid follower of various sports, fitness, long-distance running, word games, and a gourmand