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CHIRAG SHAH
A-403, Everest Icon, B/h. Bright CBSE School, Vasna Bhayli Road, Baroda - 390019
Mobile: 91-9879632133
E-mail: chiragb.shah81@gmail.com
CAREER OBJECTIV
Seeking challenging and responsible position where abilities, education and experience will have valuable
application. Position should provide an opportunity to continue growth and advancement.
SYNOPSIS
• Sound knowledge of credit systems, financial, debt management, reporting and all related credit-
based systems & operations.
• Possesses ability to apply business insight and professional judgment. Efficiently renders
complex financial information in palatable form.
• Significant exposure in appraisal of credit proposal.
• Expert in soft recovery of assets.
• Team Handling
PROFESSIONAL INFORMATION
Over Eleven years of professional experience as Asset Manager and in customer service in the area of
Banking
INDUSIND BANK LTD. –BUSINESS BANKING GROUP
REGIONAL SALES MANAGER – SOUTH GUJARAT (FEB’15 ONWARDS)
Job Responsibility:
• Generation of Working capital business, viz Cash Credit, Term Loans, Bill Discounting & the
trade finance products like issuance of LC/BG, arranging buyers Credit, derivatives etc in SME
segment from different channels like retail branches, DSA, Referral business & Open market
Sourcing.
• The primary aim is to add new customers & increase the asset book of the bank by getting the
proposals approved from credit & doing the documentation done for the final disbursement.
• To develop alternate channels for business sourcing like DSA, Connectors, Direct open market
sourcing for generating new business.
• Relationship management with the clients added & ensure necessary transactions, trade & Fx
products & derivatives & renewals.
• Cross sell of other Bank products like Life Insurance, General Insurance, CASA & other bank
products.
• The above job was done along with the team of 6 Relationship Managers & Credit Analyst and
cross functional job along with other banking departments.
ING VYSYA BANK LTD. – CLUSTER BUSINESS BANKING
RELATIONSHIP MANAGER – BARODA (MAY’14 - FEB’15)
Job Responsibility:
• Sourcing of credit proposal from open market and DSA.
• Appraising credit proposal of new and existing customers and offering suitable solution to the
borrower.
• Preparing credit approval memo and spreadsheet and analyze ratio.
• Interpreting results and form rational conclusions.
• Putting the case forward to approving authorities for approval.
• Executing complete post-sanction documentation including creation of mortgage.
• Monitoring & reviewing existing relationships on regular basis with reference to compliance of
sanction terms and performance of the client.
• Compiling necessary reports to monitor assets and credit quality of portfolio.
• Conducting timely financial reviews on borrower to assess the ability to repay debt, indentify
transaction strengths and weaknesses for deal structure and pricing terms, monitor trends and
conditions.
YES BANK LTD – COMMERCIAL BUSINESS BANKING
RELATIONSHIP LEADER (SR. MANAGER) – BARODA (NOV ’11 –MAY’14)
Job Responsibility:
• Sourcing of credit proposal from open market.
• Appraising credit proposal of new and existing customers and offering suitable solution to the
borrower.
• Preparing credit approval memo and spreadsheet and analyze ratio.
• Interpreting results and form rational conclusions.
• Putting the case forward to approving authorities for approval.
• Executing complete post-sanction documentation including creation of mortgage.
• Monitoring & reviewing existing relationships on regular basis with reference to compliance of
sanction terms and performance of the client.
• Compiling necessary reports to monitor assets and credit quality of portfolio.
• Conducting timely financial reviews on borrower to assess the ability to repay debt, indentify
transaction strengths and weaknesses for deal structure and pricing terms, monitor trends and
conditions.
• Handling and Managing team of Relationship Partner.
• Participating in recovery of debt.
HDFC BANK LTD - BUSINESS BANKING
RELATIONSHIP MANAGER (DEPUTY MANAGER) – BARODA, ANAND CLUSTER
(NOV ’07 – NOV’11)
Job Responsibility:
• Accompanying branch banking staff to ascertain eligibility of business banking clients.
• Analyzing financial statement and preparing credit approval memo.
• Putting the proposal for approval.
• Executing complete post-sanction documentation including creation of mortgage.
• Post disbursement monitoring of existing clients.
• Keeping housekeeping items in control.
• Maintaining Balance of Priority Sector Lending and Agricultural Lending.
• Handling and Managing team of sales officers.
• Participating in recovery of debt.
HDFC BANK LTD - BUSINESS BANKING
SALES OFFICER – NADIAD AND ANAND (MARCH’05 – OCT’07)
Job Responsibility:
• Sourcing of Business Banking Clients
• Acquiring Trade Finance Clients and maintaining their routine transactions
• Routine housekeeping of existing clients
• Monitoring of portfolio health and deepening relationships
• Cross sale of liabilities and Third Party products.
ACHIEVEMENTS
• Have been part of Top 3 RSM in Asset Carnival pan India
• Have qualified for Bangkok contest of Insurance in Yes Bank Ltd.
• Have been part of top 20 RMs in Yes Bank Ltd.
• Rated T1+KP and T1 for 2 consecutive years in HDFC Bank Ltd
• Nil NPA in acquired portfolio
EDUCATION
2003 – 2004 1999 – 2003
Faculty of Management Studies Faculty of Technology & Engineering
Dharmsinh Desai University, Nadiad Dharmsinh Desai University, Nadiad
MBA – Finance + Marketing BE – IC (64.00%)
PERSONAL INFORMATION
Gender: Male Date of Birth: December 06, 1981
Marital Status: Married Languages: English, Hindi, Gujarati
HOBBIES & ACTIVITIES
Playing hockey, Table Tennis and cricket

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Chirag Shah commercial Resume

  • 1. CHIRAG SHAH A-403, Everest Icon, B/h. Bright CBSE School, Vasna Bhayli Road, Baroda - 390019 Mobile: 91-9879632133 E-mail: chiragb.shah81@gmail.com CAREER OBJECTIV Seeking challenging and responsible position where abilities, education and experience will have valuable application. Position should provide an opportunity to continue growth and advancement. SYNOPSIS • Sound knowledge of credit systems, financial, debt management, reporting and all related credit- based systems & operations. • Possesses ability to apply business insight and professional judgment. Efficiently renders complex financial information in palatable form. • Significant exposure in appraisal of credit proposal. • Expert in soft recovery of assets. • Team Handling PROFESSIONAL INFORMATION Over Eleven years of professional experience as Asset Manager and in customer service in the area of Banking INDUSIND BANK LTD. –BUSINESS BANKING GROUP REGIONAL SALES MANAGER – SOUTH GUJARAT (FEB’15 ONWARDS) Job Responsibility: • Generation of Working capital business, viz Cash Credit, Term Loans, Bill Discounting & the trade finance products like issuance of LC/BG, arranging buyers Credit, derivatives etc in SME segment from different channels like retail branches, DSA, Referral business & Open market Sourcing. • The primary aim is to add new customers & increase the asset book of the bank by getting the proposals approved from credit & doing the documentation done for the final disbursement. • To develop alternate channels for business sourcing like DSA, Connectors, Direct open market sourcing for generating new business. • Relationship management with the clients added & ensure necessary transactions, trade & Fx products & derivatives & renewals. • Cross sell of other Bank products like Life Insurance, General Insurance, CASA & other bank products. • The above job was done along with the team of 6 Relationship Managers & Credit Analyst and cross functional job along with other banking departments.
  • 2. ING VYSYA BANK LTD. – CLUSTER BUSINESS BANKING RELATIONSHIP MANAGER – BARODA (MAY’14 - FEB’15) Job Responsibility: • Sourcing of credit proposal from open market and DSA. • Appraising credit proposal of new and existing customers and offering suitable solution to the borrower. • Preparing credit approval memo and spreadsheet and analyze ratio. • Interpreting results and form rational conclusions. • Putting the case forward to approving authorities for approval. • Executing complete post-sanction documentation including creation of mortgage. • Monitoring & reviewing existing relationships on regular basis with reference to compliance of sanction terms and performance of the client. • Compiling necessary reports to monitor assets and credit quality of portfolio. • Conducting timely financial reviews on borrower to assess the ability to repay debt, indentify transaction strengths and weaknesses for deal structure and pricing terms, monitor trends and conditions. YES BANK LTD – COMMERCIAL BUSINESS BANKING RELATIONSHIP LEADER (SR. MANAGER) – BARODA (NOV ’11 –MAY’14) Job Responsibility: • Sourcing of credit proposal from open market. • Appraising credit proposal of new and existing customers and offering suitable solution to the borrower. • Preparing credit approval memo and spreadsheet and analyze ratio. • Interpreting results and form rational conclusions. • Putting the case forward to approving authorities for approval. • Executing complete post-sanction documentation including creation of mortgage. • Monitoring & reviewing existing relationships on regular basis with reference to compliance of sanction terms and performance of the client. • Compiling necessary reports to monitor assets and credit quality of portfolio. • Conducting timely financial reviews on borrower to assess the ability to repay debt, indentify transaction strengths and weaknesses for deal structure and pricing terms, monitor trends and conditions. • Handling and Managing team of Relationship Partner. • Participating in recovery of debt. HDFC BANK LTD - BUSINESS BANKING RELATIONSHIP MANAGER (DEPUTY MANAGER) – BARODA, ANAND CLUSTER (NOV ’07 – NOV’11) Job Responsibility: • Accompanying branch banking staff to ascertain eligibility of business banking clients. • Analyzing financial statement and preparing credit approval memo.
  • 3. • Putting the proposal for approval. • Executing complete post-sanction documentation including creation of mortgage. • Post disbursement monitoring of existing clients. • Keeping housekeeping items in control. • Maintaining Balance of Priority Sector Lending and Agricultural Lending. • Handling and Managing team of sales officers. • Participating in recovery of debt. HDFC BANK LTD - BUSINESS BANKING SALES OFFICER – NADIAD AND ANAND (MARCH’05 – OCT’07) Job Responsibility: • Sourcing of Business Banking Clients • Acquiring Trade Finance Clients and maintaining their routine transactions • Routine housekeeping of existing clients • Monitoring of portfolio health and deepening relationships • Cross sale of liabilities and Third Party products. ACHIEVEMENTS • Have been part of Top 3 RSM in Asset Carnival pan India • Have qualified for Bangkok contest of Insurance in Yes Bank Ltd. • Have been part of top 20 RMs in Yes Bank Ltd. • Rated T1+KP and T1 for 2 consecutive years in HDFC Bank Ltd • Nil NPA in acquired portfolio EDUCATION 2003 – 2004 1999 – 2003 Faculty of Management Studies Faculty of Technology & Engineering Dharmsinh Desai University, Nadiad Dharmsinh Desai University, Nadiad MBA – Finance + Marketing BE – IC (64.00%) PERSONAL INFORMATION Gender: Male Date of Birth: December 06, 1981 Marital Status: Married Languages: English, Hindi, Gujarati HOBBIES & ACTIVITIES Playing hockey, Table Tennis and cricket