SIMANTA AIN
Bangalore
Summary
Experienced Banking & Credit Risk Professional with 15+ years in the BFSI Industry, specializing in corporate credit management, risk evaluation, and financial analysis. Currently Vice President (Enterprise Risk – India) at Kisetsu Saison Finance India Pvt. Ltd., a subsidiary of Credit Saison Co. Ltd. (Japan), leading credit risk assessment for secured and unsecured corporate finance. Expert in transaction structuring, financial modeling, and risk mitigation strategies, ensuring compliance with internal policies and risk appetite. Strong experience in due diligence and counterparty risk assessment, influencing transaction structures to align with risk and business strategy. Proficient in loan documentation review, ISDA/CSA agreements, term sheets, and credit policy formulation. Collaborative leader with expertise in mentoring teams, stakeholder management, and cross-functional coordination across jurisdictions. Proven ability to drive business growth, optimize risk frameworks, and enhance financial performance through strategic decision-making.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Vice President (Enterprise Risk – India)
Kisetsu Saison Finance India Pvt. Ltd.
03.2023 - 01.2025
- Company Overview: a subsidiary of Credit Saison Co Ltd, Japan
- Evaluate credit applications, internal ratings, and transaction proposals for new and existing corporate clients, ensuring alignment with risk appetite
- Engage with business teams on early-stage transactions, providing risk assessment and structuring guidance
- Conduct financial modeling, due diligence, and risk analysis for complex corporate finance transactions
- Present transactions to senior stakeholders, articulating credit views, risks, and mitigation strategies
- Monitor portfolio risk exposure, analyzing sector and country-specific risks, and recommending mitigating measures
- Lead and mentor credit analysts, fostering skill development and improving operational efficiencies
- Implemented credit policy enhancements, strengthening risk management frameworks and improving decision-making efficiency
- Developed a comprehensive early warning system, reducing risk exposure by 80% and improving portfolio stability
- Successfully managed a corporate loan portfolio of INR 20Bn across 30 clients, ensuring robust risk monitoring and proactive issue resolution
- Established automated credit analysis tools, improving risk evaluation accuracy and operational efficiency
Senior Vice President (Risk & Credit- North & South)
Yes Bank Ltd.
08.2016 - 03.2023
- Company Overview: (ELC & CB)
- Managed loan approvals for corporate clients with revenue up to INR 20Bn across diverse sectors
- Assessed creditworthiness, conducted due diligence, and structured transactions to mitigate risk
- Led a team of analysts, providing training on credit risk frameworks and business strategy
- Presented high-value transactions to credit committees, ensuring compliance with internal risk policies
- (ELC & CB)
- Reduced non-performing assets by 100% through robust risk assessment strategies and proactive credit monitoring
- Managed a corporate portfolio of INR 30Bn across 65 clients, ensuring sustainable credit growth and mitigating risk
- Spearheaded digital transformation initiatives in credit evaluation, streamlining approval processes and improving turnaround time
Chief Manager (Risk & Credit)
Kotak Mahindra Bank Ltd.
01.2015 - 08.2016
- Tenure : Jan 2015-Aug 2016 ; Jan 2012 - Dec 2013
- Company Overview: (ECG)
- Led credit evaluation and transaction structuring for ECG loans across various sectors
- Supervised analysts and facilitated coordination with business and risk teams
- Conducted due diligence, risk analysis, and client assessments for corporate lending
- (ECG)
- Improved credit decision-making through a structured risk evaluation framework, reducing high-risk exposures
- Introduced automated risk monitoring tools, improving credit assessment efficiency by 40%
Credit Manager
Barclays
12.2013 - 01.2015
- Conducted credit underwriting for large corporate clients in the UK
- Managed corporate loan accounts, ensuring risk mitigation and compliance
- Strengthened portfolio risk management, improving client satisfaction and business referrals by 30%
Assistant Manager (Credit Officer)
IDBI Bank Ltd.
06.2008 - 01.2012
- Company Overview: (Corporate Banking)
- Managed a corporate portfolio of INR 20Bn across 30 firms, conducting credit analysis and risk assessment
- Supervised credit underwriting, term loans, working capital, and forex transactions
- (Corporate Banking)
- Enhanced credit portfolio performance through proactive risk monitoring and data-driven risk mitigation strategies
Education
MDP (EPFBARM) - Fintech & Banking
IIM Lucknow
01.2023
MBA - Finance
DBIM
Surat, Gujarat01.2008
B.Sc. Mathematics (Hons.) -
M.S. University
Baroda, Gujarat01.2006
Skills
- Credit Risk Assessment
- Portfolio Management
- Financial Structuring
- Transaction Structuring
- Due Diligence
- Credit Evaluation
- Corporate Finance
- Credit Policy
- Loan Documentation
- Term Sheet Review
- Stakeholder Coordination
- Cross-Functional Coordination
- Risk Mitigation Strategies
- Compliance
- Financial Modeling
- Projections
- Regulatory Compliance
- Policy Formulation
- Data-Driven Decision Making
- Strategic Planning
Certification
- Credit Risk Modelling – Grant Thornton LLP
- Leadership Certification – YBL School of Banking
- Financial Modelling for Project Management – CRISIL
- Advanced Credit & Risk Analytics – Moody’s Analytics
Languages
English
Hindi
Bengali
Gujarati
Oriya
Personal Information
Date of Birth: 05/15/85
Timeline
Vice President (Enterprise Risk – India)
Kisetsu Saison Finance India Pvt. Ltd.
03.2023 - 01.2025
Senior Vice President (Risk & Credit- North & South)
Yes Bank Ltd.
08.2016 - 03.2023
Chief Manager (Risk & Credit)
Kotak Mahindra Bank Ltd.
01.2015 - 08.2016
Credit Manager
Barclays
12.2013 - 01.2015
Assistant Manager (Credit Officer)
IDBI Bank Ltd.
06.2008 - 01.2012
MBA - Finance
DBIM
B.Sc. Mathematics (Hons.) -
M.S. University
MDP (EPFBARM) - Fintech & Banking
IIM Lucknow
Similar Profiles
GAURAV KHETRAPALGAURAV KHETRAPAL
Manager, Treasury & Capital Markets at Kisetsu Saison Finance India Pvt. Ltd. (Credit Saison India)Manager, Treasury & Capital Markets at Kisetsu Saison Finance India Pvt. Ltd. (Credit Saison India)
Christ Raj GChrist Raj G
Lead Administration I (Admin & Infrastructure) at Kisetsu Saison Finance india pvt ltdLead Administration I (Admin & Infrastructure) at Kisetsu Saison Finance india pvt ltd
Rahul VichareRahul Vichare
Deputy Manager at Kisetsu Saison Finance India Pvt LTDDeputy Manager at Kisetsu Saison Finance India Pvt LTD
Santhosh Kumar KallepalliSanthosh Kumar Kallepalli
Branch Credit Manager at Kisetsu Saison Finance (India) Pvt LtdBranch Credit Manager at Kisetsu Saison Finance (India) Pvt Ltd
Anil Kumar SawAnil Kumar Saw
Staff Engineer at Altimetrik India Pvt. LtdStaff Engineer at Altimetrik India Pvt. Ltd