SHASHANK RAO

LinkedIn: https://www.linkedin.com/in/raoshashank4293
Mail Id: shashankrao4293@gmail.com Contact No: 9833967054
Address: 202, Sabari Hill Grange, Ghatla Road, Chembur, Mumbai-400071

ACADEMIC QUALIFICATIONS
Year College/University Course CGPA/Percentage
2017-2019 National Institute of Bank PGDM 6.38
Management, Pune (Banking and Financial Services)
Mumbai University
2014-2016 M.Com (Accounts and Finance) 60%
Institute Of Chartered Accountants IPCC
2014 Of India 52%

SIES College Of Commerce And

2011-2014 B.Com 5.18/7
Economics
2009-2011 SIES College Of Commerce And HSC, Maharashtra State Board 79.5%
Economics

2009 OLPS High School SSC, Maharashtra State Board 82%

PROFESSIONAL WORK EXPERIENCE

INDUSIND BANK (Nov 2021- Present)

 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) (Post MBA : August 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. 
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AXIS BANK (Prior to MBA, July 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)
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. Work included accounting, auditing and tax advisory.
POSITIONS OF RESPONSIBILITY, 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.
CERTIFICATIONS AND SKILLS
 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.