Harshal Patkar

CEO

Mumbai, Maharashtra, India14 yrs 6 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Led a team managing a 3500Cr portfolio.
Published influential research in the BFSI sector.
Achieved zero NPL portfolio underwriting.

Stackforce AI infers this person is a Fintech expert with extensive experience in credit risk management and investment strategies.

Contact

Skills

Core Skills

Credit Risk ManagementPortfolio ManagementCredit UnderwritingResearchEquity ResearchFinancial AnalysisSap Basis

Other Skills

Due DiligenceInvestmentsFinancial ModelingWritten CommunicationSAPStock Market AnalysisTrend AnalysisInvestor PresentationsCredit RatingImpact AssessmentVenture DebtPrivate CreditCorporate LendingBusiness AnalysisCorporate Finance

About

Senior investment professional with 13+ years of portfolio management and research experience, allocating capital and managing risk across credit and equity relative value strategies. Currently handling a leadership position as National Credit Head @ AU Small Finance Bank, managing a portfolio of over 3500cr spread across 200 domestic NBFIs and Startups. Expertise: Impact Investing, Lending, Credit Research, DCM, Private Credit, Equity Research, & Risk assessment. Focus areas: Indian Banks, NBFCs, HFCs, MFIs, other Financial Institutions & Startups.

Experience

14 yrs 6 mos

Total Experience

3 yrs 7 mos

Average Tenure

7 yrs 9 mos

Current Experience

Au small finance bank

SVP & National Credit Head - NBFC, DCM and Start up lending

Sep 2018 – Present · 7 yrs 9 mos · Mumbai, Maharashtra, India · On-site

o Leding a team of 12 Credit Analysts and managing current portfolio of over 3500Cr spread across 200 NBFIs and Startups.
o Performed due diligence for NBFIs and evaluated 200+ sector cos.
o Initiated investments across various structures and across ratings spectrum – From AA to BBB to even unrated space.
o Carried detailed due diligence for various Fintech venture debt proposals for on boarding and potential Lending or Partnership arrangement.
o Performed analysis across Impact Investment sectors including Asset Finance, Micro Finance, Housing Finance, MSME finance, Gold Finance, Diversified Financial Startups & Fin techs.
o Evaluated 20+ current startup Unicorns.
o Disbursed over 11,000cr till date.
o Increased portfolio from 1200cr to 3000cr in 12 months.
Notable achievements: Have underwritten a zero NPL portfolio. Highest productivity team in the bank. Executed timely exit of accounts which turned bad for industry.

Credit UnderwritingCredit Risk ManagementPortfolio Management

India ratings & research - a fitch group company

Sector Head Housing Finance

Jun 2014 – Jul 2018 · 4 yrs 1 mo · Mumbai Area, India

o Worked as Primary Analyst for 30+ NBFCs and as secondary Analyst for 20+ cos.
o Interacted with Sector Stakeholders with meaningful presentations and insights.
o Tracked BFSI sector for current dynamics, trends and likely player strategies across Banks, Housing Finance Companies, NBFCs, and DFS.
o Covered Innovative Fin techs & Venture Debt Financing companies.
o Published research on credit trends and insights within BFSI sector across asset classes.
o Presented during road shows & sector conferences to various stakeholders.
o Performed surveillance of BFSI companies (balance sheets 10 billion - Trillion INR).
o Performed due diligence by meeting stakeholders: bankers, Auditors, and P/E Investors.
o Co-presented several webinars with 100+ participants.
Notable Achievements:
o Featured Live on ET now & BTVI for published reports (Affordable Housing, LAP & IBC).
o Authored the Two most successful (investors reach, connect & media coverage) research reports published by India Ratings.
o Quoted in ‘Forbes India’ and various other print and electronic publications for views in sector.

Credit Risk ManagementDue DiligenceResearch

Angel broking

Equity Research Associate BFSI

Apr 2013 – Jun 2014 · 1 yr 2 mos · Mumbai Area, India

o Tracked financial services sector and their impact on 18+ coverage stocks (Banks and Non Banks).
o Prepared end to end Result Updates with appropriate investment arguments concerns and valuation.
o Published sector research reports, results previews and reviews. Analyzed stocks and sector to understand key trends.
o Built financial models from scratch and interacted with Management to get clarity on outlook and strategies.

Equity ResearchInvestmentsFinancial Analysis