Ashwin Gupta
Summary
Consultant with 4+ years of experience in due diligence, credit management, and strategic advisory. Skilled in leading teams, developing due diligence reports, and conducting financial and risk analysis. Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
4
4
years of professional experience
Work History
Senior
Ernst And Young GDS
10.2022 - Current
- Optimized project management, resulting in timely deliverables and improved client satisfaction rates.
- Mentored junior analysts, fostering professional development while enhancing overall team performance.
- Nurtured strong working relationships with clients, ensuring their needs were met while exceeding expectations on deliverables.
- Enhanced team productivity by streamlining workflow processes and implementing time-saving strategies.
- Collaborated with stakeholders to identify business needs and data sources.
- Created dashboards to monitor and track key performance indicators.
- Generated standard and custom reports to provide insights into business performance.
- Updated and developed scripts and queries to extract and analyze data from multiple sources.
- Utilized data visualization techniques to present and explain complex data sets.
- Developed and presented comprehensive due diligence reports to clients and senior management, highlighting critical findings and strategic recommendations, resulting in improved negotiation outcomes and strategic alignment
- Maximizing synergies with strategic partners, by optimizing resource allocation and expanding market reach to drive 12% growth in the French sector
- Developed and refined financial models and valuation reports, incorporating advanced analytical techniques to identify key financial and operational risks
- Led a cross-functional team of analysts, managing project timelines and deliverables to ensure thorough and timely due diligence processes
- Mentored and trained junior analysts, fostering skill development in financial analysis and due diligence techniques, and contributing to a more capable and efficient team
- Experience in performing buy-Side and Sell-Side Financial due diligence and FDH projects, providing M&A services
- Accelerating due diligence efforts across the African market to achieve an 80% revenue increase
- This growth strategy strengthened our foothold in the region, enhancing market penetration and maximizing revenue potential
- Leading medium- and long-term projects with 4-5 staff/seniors, coordinating and reviewing the quality of deliverables during various engagements
Regional Credit Manager
ICICI Bank Limited
02.2022 - 09.2022
- Managed credit operations for Maharashtra, Gujarat, and Goa regions, ensuring compliance with credit policies and risk management practices
- Conducted thorough credit assessments for corporate and retail clients, including financial analysis, credit scoring, and risk evaluations resulting in an 80% reduction in default rates
- Prepared and presented detailed credit reports and risk analyses to senior management, highlighting key trends, portfolio performance, and recommended actions to support strategic objectives
- Conducted detailed due diligence on prospective borrowers to maintain high-quality lending portfolio standards.
- Negotiated favorable payment terms with high-risk clients, mitigating potential financial exposure.
- Reduced bad debt losses with rigorous monitoring of delinquent accounts and timely collection actions.
- Enhanced team productivity, providing ongoing training and guidance to credit analysts and support staff.
- Leveraged data-driven insights to continuously refine and improve credit management processes, resulting in a more efficient and effective operation.
- Managed a diverse loan portfolio while adhering to strict credit quality standards and regulatory guidelines.
- Proactively identified early warning signs of deteriorating account performance through diligent monitoring of key performance indicators.
- Investigated and evaluated clients for creditworthiness and potential risk factors.
Credit Executive
Aon Insurance
12.2020 - 01.2022
- Developed customized credit solutions for clients based on their unique financial needs and risk profiles.
- Assisted in negotiating workout plans for distressed borrowers, thereby minimizing losses and preserving client relationships.
- Increased credit portfolio quality by implementing risk management strategies and conducting thorough credit analysis.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Provided credit and risk underwriting support to clients with 100+ Cr. turnover
- Strategized the trade credit insurance market and underwriter offerings from major players such as Atradius, Coface, TATA AIG
- Collaborated closely with Financial Controllers, SVPs, CEOs, and CFOs on credit management procedures regularly
- Drove and implemented PAN India AON PolicyManager (Fintech API) initiative, resulting in 25% growth in revenue regularly
- Increased organizational efficiency by 75% through optimizing organizational architecture and implementing lean operations
- Enhanced brand account on a PAN India level, leading to a steady revenue stream with an exponential growth of 2X Mo
- Provided recommendations to Export Credit Guarantee Corporation of India (ECGC) and insurance counterparties on pricing strategy modules for MSME and SME category companies
- Enhanced internal controls by establishing clear guidelines for documentation, approval levels, and reporting requirements in the credit process.
- Evaluated clients'' financial statements regularly to identify early warning signs of potential defaults or deteriorating financial conditions.
- Optimized underwriting procedures by incorporating data-driven insights and predictive analytics into decision-making processes.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Compiled data critical to analysis of annual bad debt.
Education
MBA - Finance
Symbiosis Institute of Management Studies
Pune04-2022
Bachelor's in Commerce - Cost And Works Accounting
Brihan Maharashtra College of Commerce
Pune04-2017
Skills
- Due diligence
- Corporate strategy
- Financial Modelling
- Corporate finance
- Business strategy
- Problem-solving abilities
- Multitasking Abilities
- Strategic financial planning
- Market Research
- Financial statement analysis
- Credit analysis
- Trade credit insurance
- Project Management
- Financial consulting
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Senior
Ernst And Young GDS
10.2022 - Current
Regional Credit Manager
ICICI Bank Limited
02.2022 - 09.2022
Credit Executive
Aon Insurance
12.2020 - 01.2022
MBA - Finance
Symbiosis Institute of Management Studies
Bachelor's in Commerce - Cost And Works Accounting
Brihan Maharashtra College of Commerce
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