Rahul Biyala
Email: rahulbiyala@[Link]
Mobile: + 91 9830803032
Brief Profile
Seasoned credit and risk professional with over 14 years of experience in Credit Underwriting, Credit
Policy making, Financial Analysis, Risk Analysis, Risk Rating Models, Portfolio Monitoring & Analysis and
Loan Origination System Development.
Professional Experience
Finwego – from Jan’21 to till date Location: Chennai
Designation/ Role: Vice President/ Credit Head
Brief:
Finwego is a Chennai based new age financier focused on increasing financial access to the education
sector through technology based solutions. It offers unsecured & secured business loans to educational
institutions, school feel loans and personal loans to teachers. It is backed by Elevation Capital (erstwhile
SAIF Partners).
Role Summary:
Formulate credit policies for all product offerings.
Develop score cards/ rating models for business & personal loan products.
Define credit underwriting process and procedure.
Decide on credit proposals prepared by the credit analysts.
Closely work with the Technology team to automate decision making and creation of an in-house
loan origination system.
SREI Equipment Finance Ltd. – from Sep’10 to Dec’20 Location: Kolkata
Last Designation/ Role: Vice President/ National Credit Head
Role Summary:
Products – Equipment Finance (Construction & Mining Equipment, Commercial Vehicles, IT &
Networking Equipment, and Medical Equipment) and Loan against property.
Customer segments – Retail, Small & Medium Enterprises, Mid Corporate and Large Corporate.
Managing a team of Zonal Credit Managers and Branch Credit Managers across the country.
Assess and review credit appraisal memorandums by leading team in critically analysing
operations and financial statements, developing financial models, including cash flow projection
models and sensitivity analysis to determine debt servicing capability, NPV and IRR analysis.
Manage & conduct Board level Credit Committee for sanction of high value proposals.
Assess & monitor portfolio through ED/NS studies, annual/ half yearly account reviews,
internal rating migration analysis and concentration analysis.
Review of Credit Policies and aligning with business environment and portfolio position.
Develop & encourage an environment of effective teamwork between Credit, Sales & Collections.
Collaboration with Risk Dept. for setting up the analytics platform for credit risk.
Oversee IT related system development & enhancements in the lending platform.
Co-origination – handling the tie-ups (common lending policy and process) with partner banks
on co-origination of loans as per the Sep. 2018 RBI Circular on co-origination of loans.
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Role Summary – Risk Department (Sep’10 to Apr’14)
Develop credit risk rating models for borrowers in Retail and Corporate Segment.
Prepare Portfolio Risk Reports which served as an input for changes in credit policies and
processes, business drive and target mix of origination portfolio.
Review quality of credit sanctions and suggest measures to improve credit decisions.
Key Achievements:
2018 – Part of the talent pool (top 50) in Srei group to be selected for a Leadership Development
program by Korn Ferry Hay Group.
Awarded “Ideal Leader” over a 3 year (2013-16) in-house Management Development Program.
Syntel Ltd. (now Atos|Syntel) – Oct’ 09 to Aug’ 10 Location: Mumbai
Business Analyst - Banking, Risk Management and Compliance Practice
Experience Summary:
Develop domain frameworks around Credit Risk, Basel II - Pillar I & Stress Testing (Pillar II).
Provide functional expertise on lending life cycle to create new offerings.
Solution responses to RFP/RFIs and prepare collaterals/marketing materials for service offerings.
Created a comprehensive framework for Basel II data gap analysis for Standardized, FIRB and
AIRB approach of Credit Risk.
Built a dynamic Basel II Stress Testing dashboard as Proof of Concept for a global bank.
ICRA Management Consulting Services Ltd. – Jun’ 08 to Oct’ 09 Location: Mumbai
Consultant - Banking and Finance
Experience Summary:
Execution of consulting projects related to Basel II implementation, credit risk and BFSI
Strategy.
Development, Training & Implementation of Loan Origination & Credit Risk Management Product.
Solution and structuring responses to proposals floated by banks & financial institutions.
Cognizant Technology Solutions – Feb’ 05 to Jul’ 06 Location: Kolkata
Programmer Analyst
Education
Post-Graduation: MBA – Finance | Indian Institute of Technology, Madras – 2008
Graduation: B.E. – Electronics | University of Pune – 2004
Schooling Don Bosco Liluah, West Bengal (ICSE & ISC)
Other Details
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Date of Birth: 13 February, 1982
Marital Status: Married
Current location: Chennai (India). Open to relocation & travel.
Notice Period: 30 days
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