Apr 2021 – Present · 4 yrs 11 mos · Maharashtra, India

• Early stage in Fintech space and aspiring Neo-Banking startup, looking at creating an impact to the rural India segment

Mar 2021 – Apr 2023 · 2 yrs 1 mo · Mumbai, Maharashtra, India

• Looking at Overall Management Including but not limited to fund raising, strategy, business development, credit & collection for the FINTECH

Mar 2021 – Apr 2023 · 2 yrs 1 mo · Mumbai, Maharashtra, India

• Looking at Overall Management including strategic tie-ups for Business Development, Collections and Fund Raising Activities

Mar 2021 – Apr 2023 · 2 yrs 1 mo · Mumbai, Maharashtra, India

• Responsible for overall management of the group including but not limited to
• New Business evaluation & execution,
• Collections for AP, Assam & Telangana including Legal Recovery,
• Fintech-DigiLead Business Head for Vehicle Finance, SME/ MSME lending,
• Development of IT infra & tech platform for DigiLead entire Fintech platform
• Overall group fund raising, lender/ banking relationship management
• Evaluation & Acquisition of Real Estate projects
• Strategic Partnerships

Mar 2021 – Apr 2022 · 1 yr 1 mo · Mumbai, Maharashtra, India

Sep 2018 – Mar 2021 · 2 yrs 6 mos · Mumbai, Maharashtra, India

• Responsible for origination, negotiation, proposal writing, evaluation and maintaining the portfolio across Western Region.
• Real estate, Healthcare, Hospitality, Education sector with transaction experience & structuring
• Engaged in Resolution for the recovery of Debts and Portfolio sell down
• Team leader (8 members) for Rest of Maharashtra incl. Goa & Mumbai

May 2017 – Sep 2018 · 1 yr 4 mos · Mumbai, Maharashtra, India

• Responsible for origination, negotiation, proposal writing, evaluation and maintaining the portfolio across India. A brief summary of my Job Profile is outlined below:
•  Origination & Meeting customers, understanding their requirement and providing structure of lending (equity or debt) as per the same.
•  Analysing customer’s financial statements and performing ratio analysis to identify trends.
•  Understanding real-estate projects and evaluating the same from the view of taking stake as well as lending based on desired IRR.
•  Evaluating Limits and preparing reports for Management Approval.
•  Analysing comparable projects in the industry.
•  Disbursement and Legal documentation post sanction of facilities.
•  Forming Companies in case of equity stake and NCD & OCD structure (listed/ unlisted) in case of debt.
•  Getting NCD/ OCD listed and appointment of debenture trustee.
•  Portfolio Monitoring and Analysis.

Apr 2015 – Apr 2017 · 2 yrs

• Responsible for Origination, negotiation, evaluation and maintaining the portfolio across India. A brief summary of my Job Profile is outlined below:
•  Originating & Meeting customers, understanding their requirement and providing structure of lending (equity or debt) as per the same.
•  Analysing customer’s financial statements and performing ratio analysis to identify trends.
•  Understanding real-estate projects and evaluating the same from the view of taking stake as well as lending based on desired IRR.
•  Evaluating Limits and preparing reports for Management Approval.
•  Analysing comparable projects in the industry.
•  Disbursement and Legal documentation post sanction of facilities.
•  Forming Companies in case of equity stake and NCD & OCD structure (listed/ unlisted) in case of debt.
•  Getting NCD/ OCD listed and appointment of debenture trustee.
•  Portfolio Monitoring and Analysis.

Jul 2013 – Apr 2015 · 1 yr 9 mos

• Responsible for proposal writing, evaluation and maintaining the portfolio across India. A brief summary of my Job Profile is outlined below:
•  Meeting customers, understanding their requirement and providing structure of lending (equity or debt) as per the same.
•  Analysing customer’s financial statements and performing ratio analysis to identify trends.
•  Understanding projects and analysing comparable projects in the industry.
•  Evaluating Projects based on Market demand, supplies etc.
•  Evaluating Limits and preparing reports for Management Approval.
•  Portfolio Monitoring and Analysis.

Sep 2012 – Jun 2013 · 9 mos · Mumbai Area, India

• Responsible for proposal writing, evaluation and maintaining the portfolio across India. A brief summary of my Job Profile is outlined below:
•  Meeting customers, understanding their requirement and providing structure of lending (equity or debt) as per the same.
•  Analysing customer’s financial statements and performing ratio analysis to identify trends.
•  Understanding real-estate projects and evaluating the same from the view of taking stake as well as lending based on desired IRR.
•  Evaluating Limits and preparing reports for Management Approval.
•  Analysing comparable projects in the industry.
•  Disbursement and Legal documentation post sanction of facilities.
•  Forming Companies in case of equity stake and NCD & OCD structure (listed/ unlisted) in case of debt.
•  Getting NCD/ OCD listed and appointment of debenture trustee.
•  Portfolio Monitoring and Analysis.

May 2007 – Aug 2012 · 5 yrs 3 mos · Mumbai Area, India

• Emerging Corporate Group – Wholesale Banking as a Chief Manager (West Region – Sr. credit analyst) based at Mumbai. Responsible for proposal writing, evaluation and maintaining the portfolio for entire West Region (i.e. Mumbai and Gujarat). A brief summary of my Job Profile is outlined below:
•  Responsible for 4 Account Management Team (AMT) having 4 Credit Analysts and 1 Senior Credit Analyst for Entire West Region.
•  Evaluation and development of master credit policy for funding based on various industry/geographical analysis.
•  Analysing customer’s financial statements and performing ratio analysis to identify trends.
•  Understanding business and industry to identify strengths and risks that may impact the customer.
•  Evaluating Limits and preparing reports for Management Approval.
•  Review of ‘operating performance’ and facilities sanctioned on Periodic Intervals.
•  Comparable Search analysis with web review.
•  Involved in Economic analysis of Comparable Companies.
•  Portfolio Monitoring and Analysis.

May 2007 – Mar 2008 · 10 mos · Mumbai Area, India

• Industrial Trainee in Credit - Business Banking Group

Mar 2005 – Apr 2007 · 2 yrs 1 mo

•  Actively involved and independently handled major areas in statutory audits, tax audits, system audits, manufacturing process audits and limited review assignments of companies from various industries & diversified business lines, including insurance, manufacturing, construction, automobile, sugar and various trusts.
•  Handled major responsibilities including audit planning and coordination of the audit work.
•  Applied Risk-Based Audit Approach in various Statutory Audits.
•  Major clients served include Bajaj Electricals Ltd, Bajaj Allianz General Insurance Company Ltd, Bajaj Allianz Life Insurance Company Ltd, Bajaj Auto Ltd, Bajaj Hindustan Ltd, Hind Lamps Ltd, Birla SunLife Insurance Company Limited, Red Hat India Pvt. Ltd, H.N. Memorial Hospital and Some Trusts.