Aditya Bhardwaj

IndusInd is among the top five private banks in India.

Responsibilities:

• Established the technical function from Delhi and built teams across North & East zone
• Work closely with the external partners to design and implement LOS. The technical module is now in action, managing valuations online which helped in reducing the TAT
• Manage a portfolio of INR 5,000 crore for HL and INR 12,000 crore for LAP, with a team size of 7 direct and 12 overall team members
• Work closely with the policy and compliance teams to develop SOPs and policy frameworks, as per the RBI guidelines.
• Identified opportunities to improve business process flows and productivity.
• Developer visits to track progress of APF projects and quarterly reports to the top management with upcoming project/micro-market analysis
• Review and updation of policies as per competitor analysis
• Work closely with the Fraud control unit to save bank from potential frauds and imparted training to my team members for the same
• Lead the strategy for micro financing for LAP and HL products apart from prime funding.
• Oversaw and executed more than 10,000+ retail as well as corporate valuation assignments

One of the leading housing finance companies in India

Responsibilities:

• Lead the North & West Zone for Technical Services Group of Wholesale Business with AUM of INR 15,000 Cr+ reporting into Head- TSG.
• Developing and implementing the Pan Indian Strategy, budgeting, resource utilization, vendor management & review.
• Project Appraisal- Due Diligence & advisory for new sanction/subsequent cases and visit with IPC partners and management consulting firms to understand the underlying issues, if any
• Worked closely with the RMG team for resolution of stressed accounts along with Legal, Sales and Credit team
• Quarterly/periodic review of CF projects funded as advised by the board and represented wholesale division with Head-TSG for MD & Board reviews
• Empanelment and audit of technical vendors for HL and CF, and send monthly updates to top management on aspects like TAT, valuation iterations, and vendor feedback to the top management.
• Maintained frequent interaction with Head-TSG & Credit to measure goal achievement and determine areas of improvement
• Held monthly meetings to create business plans and workshops to drive successful business across technical function
• Developed & implemented operational standards, policies and procedures

A financial services company focused on providing mortgage solutions to the un-banked & MSMEs

• Managed valuations for secured business for North India and lead valuation for rest of India on advisory basis
• Conducted internal audits and assisted the HO team in NHB audits for North
• Framed and formulated a national technical policy being the only technical person in the secured lending vertical.
• Framed region specific policies for all the leading cities in my zone majorly emphasizing on informal lending in colonies which were illegal in nature but are now being recognized by the authorities/government.
• Conducted competitor analysis for getting a new product for Lal dora properties across the country and lead the policy on technical front
• Hired a team of 4 technical managers spread across the major cities and trained them with regards to internal SOPs

A startup focused on solar energy solutions

Responsibilities:

• Built solar assets for the marginalized to bridge the energy gap in India
• Secured funding from Alex Honnold Foundation for setting up solar powered pump in Zanskar Valley, Ladakh - $100K
• Designed & installed home lighting systems for 750+ households in Pangi Valley, Himachal Pradesh under tribal funds from HP State Govt
• Conducted training and awareness programs in villages of Ladakh & Himachal for solar energy & waste management

Housing finance company specializing in Prime, CF & Affordable home loans

Responsibilities:

• Formulated policies & processes for technical function for North & East India
• Worked closely with credit and risk managers to conduct audits & formulate policies across zones
• Handled a team of 15+ employees of ATM, BTM & TOs
• Empanelment of new valuers and periodic reviews of the existing ones
• Collation of Monthly and Quarterly Dashboard and control over technical activities of locations in my zone.
• Review and updation of builder rating across location
• Started LAP vertical and affordable home loans after GOIs push for housing for all - PM Awas Yojna
• Monitor the TAT and quality for HL, LAP and CF
• Quarterly visits to all the major CF projects as well APFs with my team members
  

One of India's top private sector bank in India

Responsibilities:

• Performed valuation of assets for commercial & industrial clients
• Executed retail valuations on a daily basis for Home loans, LAP, Working capital & performed APF studies for CF as well as retail team.
• Helped the underwriting team in technical policy development for high value funding with ZTM & NTM as well as Credit team.
• Framed policies for North India- Retail Segment, regarding the technical function and lead the Emerging Corporate group (funding in the range of INR100-1000cr)
• Fraud control and prevention. Imparted regular training to all the stakeholders as per RBI's as well as Policy team's guidelines
• Undertook valuation of more than 20,000+ retail cases and approximately 1000+ corporate cases during my tenure

Started my career as an Area Manager for Technical but got promoted as Regional Manager with additional responsibility of ECG vertical

Leading strategic consulting firm specializing in valuation and advisory & Mergers and Acquisitions.

Responsibilities:

• Performed valuation for KS Oils limited for a consortium of banks (SBI, IDBI, Yes Bank etc)
• Performed due diligence & feasibility analysis for Maruti Suzuki India Ltd across different locations in India
• Undertook portfolio valuation assignments for banks & PE funds
• Conducted portfolio valuations for Vodafone (now VI) across India
• Executed more than 500 numbers of real estate valuation projects (Apartments, Shopping Complex, IT/Business Tower, Mall, Hotel & Resorts, Hospital & Clinics,
  Warehouses, Petrol Pumps etc.) using all accepted and relevant asset valuation approaches.
• Executed valuation for NPA assets for Jyothy Lab Ltd across the country
• Executed Lender's Engineer service assignment for GIFT city for Govt of Gujarat
• Portfolio Valuation for UCO Bank, Deutsche Bank, Kotak Mahindra Bank, HDFC Bank, State Bank of India and all the other leading banks.

• Company Overview: Company Description
• Worked as a valuation engineer with KAV for 2 years while pursuing my Masters in valuation
• Learnt the basics of valuation and completed my thesis with CPI 10/10