Vishal Joshi

Managed ₹3.5B credit portfolio | Improved approval TAT by 20% | Strengthened risk monitoring & regulatory compliance Served as Subject Matter Expert for international trade compliance and products, including Letters of Credit and Bank Guarantees advising SME corporate clients across 4 states and resolving 50+ complex regulatory and compliance queries monthly Managed regulatory compliance for complex cross-border trade finance transactions, including third-party trade structures, high sea sales, and netting arrangements, ensuring alignment with RBI/FEMA regulations and supporting regulatory remediation initiatives in coordination with the RBI and Enforcement Directorate Led and mentored a team of 7 Trade Service Managers, enhancing operational efficiency and strengthening compliance quality Designed and delivered 5+ training programs covering compliance, digital portals, and documentation for 20 internal staff and 100+ clients, reducing documentation error rates by approximately 20% Implemented a client compliance notification and workflow monitoring system, improving documentation tracking, reducing operational bottlenecks, and enhancing trade finance transaction turnaround time by approximately 10% Co-developed an automated BOE–Remittance Matching solution to streamline reconciliation of import transactions exceeding INR 120 million within one month, leveraging rule-based matching between outward remittances and Bills of Entry to strengthen trade finance compliance, reduce manual intervention, and improve compliance turnaround time by 25%

Conducted credit risk assessments for 50+ SME and mid-corporate clients annually, leveraging the 5Cs framework, financial analysis, and industry evaluation to structure working capital, term loan, trade finance, and supply chain finance facilities Managed an approximately ₹2.0B credit portfolio while developing risk-monitoring frameworks, identifying early-warning indicators, and supporting strategic risk mitigation and governance initiatives across SME and mid-corporate clients Structured working capital, term loan, and trade finance facilities (Bank Guarantees and Letters of Credit) across multiple sectors, balancing risk-return trade-offs and reducing credit approval timelines by approximately 10% Prepared credit and due diligence memoranda for senior credit committees, leveraging stress-testing and sensitivity analysis, and integrating qualitative and quantitative risk metrics to enhance assessment of downside risk and probability of default Conducted monthly portfolio reviews across 20 SME and mid-corporate accounts covering covenant compliance, KYC, and financial performance, identifying early-warning indicators that enabled proactive restructuring and mitigation of potential credit losses