Harsh has over 23 years of experience in Banking & financial services in India. He has worked with Banks, such as HDFC Bank, ABN Amro Bank, Barclays Bank PLC, ICICI Bank and YES Bank. Harsh has extensive experience in the areas of Risk Management through process frameworks, internal controls, due diligence, credit structuring and Trade Finance. Harsh has comprehensive understanding of Credit risk identification, assessment and mitigation techniques and has served as Head of Credit at YES Bank for wholesale business. As Head of Credit risk, he has managed a book of over US$ 20 Billion. Harsh has also served as Country Head- Stressed Assets Management for YES Bank driving complex resolutions for the Bank. Harsh is a Chartered Accountant by qualification and presently practices in National Capital Region.
Areas of Expertise
• Corporate Finance
• Stressed Asset Management
• Debt Syndication
• Academic & Professional
Qualifications
The Institute of Chartered Accountants of India (ICAI), Delhi – Chartered Accountant (CA)
Illustrative Experience:
- Engagement Partner for Corporate Finance and risk management advisory
- As Head of Credit, had overall responsibility for Credit risk assessment and sanction of loan proposal emanating from wholesale Banking business verticals in the Bank. all fresh (large) loan proposals, oversaw resolution of stressed assets and credit monitoring process.
- As Head of Stressed Asset Management Group, had overall responsibility for driving strategy and resolution of stressed assets pertaining to wholesale banking including sale of assets to ARCs and monitoring recovery from portfolio sold to ARCs.
- Assisted various corporate clients in raising financing (WC, Project loans, Mezzanine debt, private financing) at competitive terms.
- Recently advised a Multinational company in setting up and improving internal controls for finance function of the corporate.
- Helped an exporter in reduction in overall cost by way of appropriate financing structure and inventory control mechanism.
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