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Badal Kedia
VTP Belair, Pune
Summary
Results-driven professional with over 10 years in corporate consultancy, specializing in credit appraisals, debt syndication, and financial modeling. Expertise includes working with US-based hedge funds, corporate consulting for real estate and hospitality debt syndication, and institutional mortgage funding. Proven background as Credit Manager in NBFC, primarily focused on education sector financing across Delhi NCR, Gujarat, and Maharashtra. Analytical Financial Analyst known for high productivity and efficient task completion. Specialize in financial forecasting, risk management, and data analysis. Excel in problem-solving, critical thinking, and communication to achieve goals and drive business success.
Overview
12
12
years of professional experience
Work History
State Credit Head
Avanse Financial Services Limited
Rest of Maharashtra
10.2024 - Current
- Managed credit assessment processes for loan applications, approving amounts up to 20 crore.
- Analyzed financial statements to effectively determine borrower creditworthiness.
- Reviewed credit applications while assessing financial documents to ascertain applicant qualifications.
- Aligned credit strategies with business objectives through collaboration with sales teams.
- Provided training on credit evaluation techniques and risk management best practices.
- Mentored junior team members in resolving complex cases related to collection efforts.
- Participated in training on laws governing consumer rights protection to enhance team knowledge.
- Evaluated proposals for special projects, including cross-sell and LRD initiatives, with ticket sizes up to 5 crore.
Branch Credit Manager
Avanse Financial Services Limited
Mumbai
05.2021 - 09.2024
- Underwrote and recommended proposals for non-collateral and collateral-backed funding up to four crore for educational institutions across Maharashtra.
- Underwrote and recommended special short-term projects related to fee receivables and vendor financing.
- Facilitated discussions with management personnel of educational trusts to identify funding needs.
- Oversaw delinquency portfolio, ensuring compliance through proactive vendor engagement and timely reporting.
- Oversaw outsourced agencies, ensuring timely adherence to legal, technical, financial, and risk control standards.
- Conducted quality audits to ensure compliance and performed hindsight analysis for process improvement.
- Coordinated documentation gathering with branches nationwide for co-lending and RBI audit processes.
- Handled Gujarat operations for six months, generating business worth twenty-five crore in collaboration with ZCM.
Senior Executive (Institutional Mortgage)
Aditya Birla Finance Limited
Delhi NCR
11.2018 - 04.2021
- Managed institutional mortgage funding of Rs 10 crores to Rs 200 crores, facilitating proposal execution and ensuring alignment with client needs.
- Prepared credit appraisal notes detailing company financials, business management, risk parameters, and banking arrangements, enhancing decision-making processes.
- Assessing credit worthiness of real estate corporate clients, including analysis of past and projected financials
- Assessed team performance on ECLGS (Emergency Credit Line Guarantee Scheme) for Rs 15 Cr funding during COVID-19, supporting timely financial assistance.
- Initiating legal and technical valuation with empaneled lawyers and technical valuer.
- Performed role in real estate finance focused on LRD, LAP, and inventory funding.
- Preparing the MIS to track the cases and its status and looking after the fees and invoices
Senior Analyst (Project Financing & Debt Syndication)
Resurgent India Limited
Delhi NCR
05.2017 - 11.2018
- Managed funding transactions for real estate and hospitality sectors, ranging from Rs 50 crores to Rs 500 crores, ensuring successful project financing.
- Oversaw NBFC funding with ticket sizes of Rs 50 crores to Rs 200 crores, ensuring compliance with proposals.
- Conducted credit and risk analysis to assess financial statements and ratios, supporting informed funding decisions.
- Developed financial models for project finance and lease rental discounting proposals.
- Evaluated proposals through comprehensive research analysis to support funding decisions.
- Prepared executive summaries, project reports, and information memoranda for lender submissions.
- Authored technical economic viability reports to guide investment decisions.
- Collaborated with government advisory to evaluate feasibility studies for Kandla Port Trust projects, enhancing investment viability.
Financial Analyst
Insync Analytics India Pvt Ltd
Mumbai
09.2014 - 12.2016
- Analyzed current and historical performance of revenue and cost drivers to support strategic decision-making.
- Created integrated financial models using Excel, analyzing revenue and cost drivers across financial statements.
- Forecasted future revenues, expenses, profits, and cash flows to inform strategic planning.
- Examined financial results in compliance with US GAAP and non-GAAP standards through detailed reports and schedules.
- Maintained updated financial models for buy-side and sell-side firms to reflect accurate data from recent PR and SEC filings.
- Conducted industry-specific research in retail, service, hospitality, and technology sectors.
- Collaborated with clients to customize methodologies and templates for optimal service delivery.
- Executed timely client communications to ensure clarity and high-quality research delivery on 13F projects.
Education
MMS (Master of Management Studies) - Finance Specialization
Mumbai University
Mumbai01-2014
BBA (Bachelor of Business Studies) - General Management
Guru Gobind Singh Indraprastha University
Delhi01-2012
XII – CBSE Board -
New Green Field School
Delhi01-2009
Skills
- Credit assessment
- Financial analysis
- Regulatory compliance
- Portfolio management
- Risk assessment
- Debt restructuring
- Asset valuation
- Loan servicing
- Operational efficiency
- Data management
- Team leadership
- Communication skills
- Customer relationship management
Timeline
State Credit Head
Avanse Financial Services Limited
10.2024 - Current
Branch Credit Manager
Avanse Financial Services Limited
05.2021 - 09.2024
Senior Executive (Institutional Mortgage)
Aditya Birla Finance Limited
11.2018 - 04.2021
Senior Analyst (Project Financing & Debt Syndication)
Resurgent India Limited
05.2017 - 11.2018
Financial Analyst
Insync Analytics India Pvt Ltd
09.2014 - 12.2016
MMS (Master of Management Studies) - Finance Specialization
Mumbai University
BBA (Bachelor of Business Studies) - General Management
Guru Gobind Singh Indraprastha University
XII – CBSE Board -
New Green Field School