Dynamic finance manager known for strong strategic planning and risk assessment skills. Proven ability to drive funding initiatives and manage diverse financial relationships, contributing to enhanced business outcomes and financial performance.
Overview
2
2
years of professional experience
6
6
Certifications
Work History
Manager - Finance
Satin Creditcare Network Ltd
Corporate office - Gurgaon
06.2023 - 10.2024
Strategic Partnership- Looking after the strategic partnership with different Banks, NBFCs, and FIs for driving debt financing of various financial products like Term Loans, NCDs, ECBs,etc.
Reporting- Monthly, Quarterly, half-yearly, Annual reporting of financials, ALM, UHFCE, Debt profile, company metrics, reporting, and financial covenants tracking to lender/rating agencies/institutions and solving their queries.
Business planning- Preparation of quarterly, half-yearly, and annual business plans for driving funds, as well as inputs in credit monitoring arrangements, financials, and board/investor PPTs. Brought down WACC by 120 Bps during FY 23-24.
End-to-end relationship Management- Periodic Callings, Visits to different lenders to maintain relationships, and pitching for new fundraising proposals. Raised Rs. 2100 Cr in FY 24 (23% of total fund raised). Single-handedly managing 21 Lenders.
Negotiation- Negotiation of different commercials, covenants, clauses, and amendments of the same in different sanctions, loan agreements.
Manager - Treasury
Annapurna Finance Pvt. Ltd
Corporate office - Bhubaneswar
10.2022 - 02.2023
Effectively Managed borrowings of approx. INR 8000 Cr, Prepared and computed debt schedules and repayment schedules, Master sheet for Term Loans, DA/Securitization, NCDs, ECBs, filling 15CA/CB
Treasury Risk Management- Created Cash Management matrix for liquidity risk management. Pooling funds from fixed-income assets/liquid funds and maintaining cash reserve compliance.
Treasury Operation- Reconciliation of loan statements, liaison, and meeting with different Indian and foreign banks/Institutions managers. Maintained TDS, EMI, and ROI sheets.
Product Manager - Retail Assets
AXIS BANK
Corporate office - Mumbai
07.2022 - 10.2022
Identifying risk associated with product delivery, process, operational controls, and technology interventions
Constant monitoring of the existing products and processes for end-to-end journey. Training the Sales team in regards to the products existing. Analyzing and monitoring portfolio in terms of delinquency, yield, Fees, renewals, closure, login, disbursement, etc.
Assisting the Senior Product team, identifying early warning signals for accounts, and recommending policy and product controls to restrict them. Solving the pending DTM queries with the Senior Product team, and connecting with various stakeholders to manage it. Skills: Agri LOS, COSMOS, CRM.
Education
MBA - Rural Management - Major (Finance & Strategy)
XIM University (Erst. XIMB)
Bhubaneswar, Odisha
04-2022
BBA - Graduated With Distinction - (Financial Markets)
Ravenshaw University
Cuttack, Odisha
10-2020
Skills
Technical: Advanced Excel & Powerpoint, AGILE methodologies, JIRA, Microsoft office suite, Tableau, SPSS, Power BI, SharePoint
Leadership and Team Management
Financial Modelling & Fundamental Analysis
Fundraising & Treasury Management
Product Management and Product Development
Strategic planning, Investor Relations management
Risk assessment and compliance
Client handling and negotiation
Certification
CFA Investment Foundations Program by CFA Institute
Timeline
Manager - Finance
Satin Creditcare Network Ltd
06.2023 - 10.2024
Manager - Treasury
Annapurna Finance Pvt. Ltd
10.2022 - 02.2023
Product Manager - Retail Assets
AXIS BANK
07.2022 - 10.2022
MBA - Rural Management - Major (Finance & Strategy)
XIM University (Erst. XIMB)
BBA - Graduated With Distinction - (Financial Markets)