CA Hemant Agrawal
Gurgaon
Summary
Credit Manager with experience in credit appraisal, underwriting, and portfolio monitoring at Oxyzo Financial Services. Skilled in evaluating credit risk, analyzing financial statements, and underwriting high-value transactions across different sectors. Successfully managed a portfolio with negligible NPAs while maintaining strong client relationships. Experienced in presenting detailed credit proposals to Credit Risk Committee and supporting business growth through sound credit decisions.
Overview
13
13
years of professional experience
Work History
Credit Manager-Mid Market Lending
Oxyzo financial services limited
Gurugram
07.2022 - Current
- Headed credit underwriting for the Revenue-Based Financing (RBF) vertical for new-age companies and startups, established in 2022, independently building a high-quality credit portfolio of approximately INR 200 crore while maintaining negligible NPAs through prudent credit underwriting and portfolio monitoring.
- Headed real estate credit underwriting, leading the evaluation of approximately 45 real estate financing transactions over the past two years. Developed strong domain expertise in assessing project viability, cash flows, execution risks, developer strength, and security structures across diverse real estate asset classes.
- Underwrote credit proposals for large and mid-corporate clients with annual turnovers exceeding INR 1,000 crore, with no upper limit on client turnover. Developed domain expertise across Real Estate, EPC, Steel, Warehousing, Diversified Manufacturing, and other industries through comprehensive credit assessment and financial analysis.
- Coordinated credit evaluation, deal structuring, and lender coordination for syndicated lending and debt participation transactions with banks, NBFCs, and financial institutions.
- Assessed and structured deals for complex working capital, project finance, and structured finance exposures.
- Monitored early warning signals (EWS) and risk triggers to maintain asset quality while supporting strategic credit growth.
Relationship Manager-Wholesale Banking Group
HDFC Bank
Delhi
02.2019 - 07.2022
- Developed and maintained relationships with large corporate clients, identifying and pursuing business opportunities while ensuring adherence to RBI and internal credit policies.
- Managed end-to-end credit underwriting and execution for large corporate clients, including assessment of financials, collateral, business risks, and preparation of credit proposals for working capital and term loan facilities.
- Managed credit lifecycle from client onboarding and transaction structuring to documentation, sanction, disbursement, and post-sanction coordination with Credit Administration and Operations, ensuring seamless execution.
- Coordinated syndicated financing and capital market transactions, including escrow arrangements for BTI and IPO deals, collaborating effectively with internal stakeholders and external institutions.
CA Intern
SAPA & Associates (CA Firm)
Jaipur
04.2013 - 04.2016
- Internal Audit & Risk Assurance: Executed internal audits and risk assessments for clients, including LG Electronics, Samsung, J.K. Fenner India Limited, Dharampal & Satyapal Group, enhancing internal controls.
- Managed accounting and financial statement preparation, ensuring compliance with direct and indirect tax laws, including preparation and filing of Income Tax, TDS, and Service Tax returns.
- Assisted with business registrations under tax laws and drafted corporate documents, including Partnership Deeds, Gift Deeds, and Board Resolutions, facilitating legal compliance.
Education
Chartered Accountant -
Institute of Chartered Accountants of India (ICAI)
Jaipur 11-2019
Bachelor of Commerce -
Rajasthan University
Jaipur Rajasthan01-2016
Skills
Core Competencies
- Credit underwriting
- Portfolio management
- Loan assessment
- Financial analysis
- Risk evaluation
- CAM & CRC note preparation
- Regulatory Compliance
Lending Software Proficiency
- Perfios
- Probe 42
- Karza (GST & ITR)
- Finacle
- Ms Excel (Office)
Accomplishments
- Featured in Oxyzo's monthly newsletter for outstanding underwriting performance and contribution to the credit function and received multiple awards as a top underwriter.
- Recognized multiple times by the Credit Risk Committee for presenting detailed credit appraisal notes and effectively defending credit proposals during committee discussions.
Timeline
Credit Manager-Mid Market Lending
Oxyzo financial services limited
07.2022 - Current
Relationship Manager-Wholesale Banking Group
HDFC Bank
02.2019 - 07.2022
CA Intern
SAPA & Associates (CA Firm)
04.2013 - 04.2016
Chartered Accountant -
Institute of Chartered Accountants of India (ICAI)
Bachelor of Commerce -
Rajasthan University