Ajay Sethi
About Ajay Sethi
Ajay Sethi is a Senior Credit Risk Analyst at IndusInd Bank in Delhi, India, where he has worked since 2022. He specializes in financial analysis and credit appraisal for the food processing and milling industries, with a focus on Priority Sector Lending for MSMEs.
Work at IndusInd Bank
Ajay Sethi has been serving as a Senior Credit Risk Analyst at IndusInd Bank since 2022. In this role, he is responsible for conducting detailed financial scrutinization, which includes ratio analysis, cash and fund flow analysis, and asset efficiency evaluation. His focus is primarily on the food processing, milling industries, and trading agencies located in the northern region of India. Sethi's expertise in assessing credit risk is crucial for the bank's operations in these sectors.
Previous Experience at Axis Bank
Before joining IndusInd Bank, Ajay Sethi worked as a Credit Analyst at Axis Bank from 2016 to 2021. During his five years in this role, he developed a strong foundation in credit analysis and risk assessment. His responsibilities included ensuring compliance with internal guidelines and regulatory requirements, which are essential for maintaining the integrity of the bank's lending practices.
Role at AU Small Finance Bank
Ajay Sethi held the position of Credit Manager at AU Small Finance Bank for 11 months, from 2021 to 2022. In this capacity, he was involved in managing credit risk and underwriting processes. His experience in this role contributed to his overall expertise in the financial sector, particularly in credit management.
Education and Expertise
Ajay Sethi studied at the Department of Commerce at Manipal University, where he completed a Post Graduate Diploma in Banking, Corporate, Finance, and Securities Law (PGDBS) from 2015 to 2016. This educational background provided him with a solid understanding of financial regulations and practices, which supports his work in credit risk analysis and compliance with Reserve Bank of India (RBI) guidelines.
Specialization in MSME Financing
Ajay Sethi has extensive experience in funding under Priority Sector Lending (PSL) within the Micro, Small, and Medium Enterprises (MSME) classification. He specializes in assessing and underwriting credit appraisals for various financial products, including working capital, short-term loans, and bill discounting facilities, particularly in the Agri and SME business banking segments.