Jyoti Dalal has over 30 years of experience in banking. He currently works as the India Head of Institutional Client Administration and Lending Operations at ANZ Bank, where he has helped set up processes for credit monitoring and legal documentation. Previously, he worked at DBS Bank as the Head of the Credit Control Unit, developing automated systems for monitoring client exposures and facilities. He holds a B.Com degree and CAIIB qualification and has expertise in credit administration, operations, and risk management across various banking systems.

1. J Y O T I D A L A L
A d d r e s s : B 8 4 K a l p a t a r u T o w e r s , O f f . A k u r l i R o a d ,
K a n d i v a l i E a s t , M u m b a i 4 0 0 1 0 1 .
M o b i l e : + 9 1 - 9 8 2 0 0 - 7 3 9 0 8
E m a i l : d a l a l j y o t i 6 5 @ g m a i l . c o m ;
k a u s h i k 1 9 6 0 @ y a h o o , c o m
D O B : M a r c h 1 s t
, 1 9 6 5
PROFESSIONAL EXPERIENCE:
Organization: Australia and New Zealand Banking Group Limited
Designation: India Head, Institutional Client Administration & Lending Operations
Duration: July 2010 – till date
Role:
• Part of the senior management team responsible for the India Branch Build. Responsible for
establishment of booking and credit monitoring processes for ANZ India. Thus have worked
on the entire branch build set up including testing of systems roll out, policy and procedure
notes.
• Part of the Senior Manager team responsible for implementation of key booking and
reporting systems such as Finacle and Midanz.
• Heading the credit administration function responsible for preparation and negotiation of
legal documents as per the credit facilities, limit set ups, loan disbursals, limit monitoring
through stock statements/insurance reports, credit terms monitoring, receipt of financial
covenants, compliance certificates etc.
• Working with various internal stake-holders (legal, risk and coverage) on standardization
and refinement of various bank standard legal documents and process improvements.
• Responsible for statutory and regulatory filings (Priority Sector, BSR 1, Singe & Group
Borrowal limits etc, HO returns.
• Responsible for working with internal and external auditors and ensuring satisfactory audit
rating for the branch.
• Assisting offshore booking locations in disbursal of all External Commercial Borrowings and
end to end liaison including execution, capacity checks, tracking post disbursal conditions
and periodic reporting from an internal as well as RBI perspective.
• Visited Singapore and Indonesia ANZ offices for deep dives to ensure regional best practices
are adopted in India.
• Been an active member in ensuring roll out of the Key Risk Obligation Register (regulations)
and key testing of Operational Risk framework.
• Liasoning with the Singapore team for bookings of all offshore deals and its monitoring.
Organization: Development Bank of Singapore (DBS) Bank Ltd
Designation: Head – Credit Control Unit (CCU)
Duration: Aug 2004 – July 2010
Role:
Head Credit Control Unit and managed a team of 7 as functional head

2. • Managed a large and diverse set of clients (approx 500 customers across 8 branches) across
CIB/SME from a credit administration perspective
• Lead the roll out of MLC (system for monitoring online FXDerivative exposures).
Resulted in saving on one Full Time Employee Cost.
• As CCU Head, was responsible for rolling out imaging and workflow solutions with a fully
automatic post credit conditions monitoring package. This resulted in a fully automated
credit control environment.
• Responsible for client deliveries pertaining to facility documentation and disbursal as well as
limit set ups, post disbursal monitoring and internal and external reportins
• Developed in depth knowledge of various booking systems of the bank including Finacle
IMEX & Murex amongst others
• Responsible for statutory as well as internal returns & MIS in an accurate & timely manner
• Handled regulatory and internal audits and ensured satisfactory rating. Liaised with all
internal and external auditors to ensure compliance.
Organization: HSBC Bank Ltd
Designation: Various positions in HR, Trade Finance and Credit Administration
Duration: Jan 1987 – Aug 2004
Role:
• Senior Staff Officer at HSBC Mumbai Branch, with a customer base of more than 1000 and
ensuring task completion within agreed Service Level Agreements
• Handled inwardoutward collection bills, various desks at Import and Export department
including Export Bills Negotiation, Import bills payments, checking of importexport
documents,
• Assisted in implementation of Cheque Collection System
• Reconciliation of various office accountssuspense accounts, settlement of staff accounts
(including PF, Gratuity etc), salary payments and submission of tax returns
• Submission of various statutory returns as well as internal reporting
• Preparation of facility and security documentation
• Handled the entire bad and doubtful portfolio from the operations side i.e. passing of
various accounting entries, keeping track of recoveries and reporting to RBI
• Was awarded the ‘Best Employee’ of HSBC for Western India in the year 2003 and was
always assigned a rating of ‘Very Good’ by Senior Managers
EDUCATION / PROFESSIONAL QUALIFICATIONS:
University Degree % Year
Mumbai
University
B.Com
Passed with First Class
securing 67%
1986
CAIIB
Core Strengths:
Rounded Managerial Experience
Sound knowledge of Entire Banking Operations
Sound Knowledge of Systems
Team Player
Excellent Communication and Leadership skills

3. Played a vital role in the testing of all key Operational risks associated with Business. Have
also been instrumental in preparing the Key Obligation register for India Business.