MS Excel for Basic Use
CA. Sagar Sondagar
B. Com, C.A.
Ahmedabad
Summary
Young and experienced CA in business banking field looking for utilizing skill-set for adding value to organization growth and attaining personal and professional growth for self.
Overview
6
6
years of professional experience
Work History
Credit Manager - SME
Axis Bank
Ahmedabad
11.2021 - Current
- Products covered - working capital including export finance, LC, BG, buyers' credit, term loans (greenfield/ brownfield), export finance, etc.
- Borrower segment - SME borrowers with turnover up to Rs. 75 crores; decision maker for proposals up to Rs. 3.5 crores and recommending for large value proposals.
- Scope of work - assessing creditworthiness of client by performing due diligence on borrower/ group, in depth analysis of financials/ banking, understanding business model, external reference checks, facility/ security structuring; and thereafter, decision/ recommendation on proposals balancing strengths and mitigates for weaknesses.
- Compliance with RBI/ internal guidelines while ensuring delivery within defined TAT.
- Regular portfolio monitoring to identify early warning signals (EWS) and taking preventive steps.
- Regular customer interaction and visits to have latest updates and identify potential risk involved.
- Regularly giving inputs on product/ process developments and engaging with cross-functional teams (operations, legal, transactional banking, forex team, internal audit team, etc.)
- Day to day hand-holding of relationship managers and credit analyst to have smooth and efficient workflow.
Credit Manager - SME & MCG
ICICI Bank
Rajkot
04.2019 - 10.2021
- Products covered - working capital including export finance, LC, BG, buyers' credit, term loans (greenfield/ brownfield), export finance, etc.
- Borrower segment - SME & Mid Corporate (MC) borrowers with turnover up to Rs. 250 crores; with funding value up to Rs. 50 crores for MC and Rs. 30 crores for SME.
- Scope of work - assessing creditworthiness of client by performing due diligence on borrower/ group, in depth analysis of financials/ banking, understanding business model, external reference checks, facility/ security structuring; and thereafter, recommendation on proposals balancing strengths and mitigates for weaknesses.
- Compliance with RBI/ internal guidelines while ensuring delivery within defined TAT.
- Regular portfolio monitoring to identify early warning signals (EWS) and taking preventive steps.
- Regular customer interaction and visits to have latest updates and identify potential risk involved.
- Regularly giving inputs on product/ process developments and engaging with cross-functional teams (operations, legal, transactional banking, forex team, internal audit team, etc.)
- Day to day hand-holding of relationship managers and credit officers to have smooth and efficient workflow.
Relationship Manager - SME and Agri
ICICI Bank
Rajkot
01.2017 - 03.2019
- Handling portfolio of more than Rs. 300 crore
- Customer segment - government approved civil contractors, co-operative unions (dairy), manufacturing entities, traders etc.
- Providing end-to-end business finance solution to customers that add value by performing various activities like understanding requirement, analyzing business model, deal structuring, preparing CMA/ proposals for underwriting, disbursement and regular monitoring follow-ups
- Maintaining CEO/CFO relationships and doing cross-selling
- Dealing with internal support teams (credit, operations, legal, internal audit, etc.) and external agencies (lawyer, valuation agencies, etc.) for ensuring timley delivery/ service
Senior Executive - Cohorts Program
Wipro
Bangalore
03.2016 - 12.2016
- Controllership (Governance Risk & Compliance - GRC Team) -
- Control testing in ERP environment (SAP) and reporting findings with improvements required
- Publishing various periodical exceptional reports and taking corrective actions
- Part of FMS (Fraud Management System) Solution, a control system in ERP based on pre-defined set of rules
- Controllership (Indirect Tax Team) -
- Maintaining GL hygiene for goods and services tax of foreign branches and analyzing movements for reporting
- Identification and provision of ineligible tax credit
- Assisting corporate tax team for periodical service tax return filing
- Dealing with statutory auditors within indirect tax scope
Education
Final CA - Business Finance, Accounts And Taxation
ICAI
Rajkot 01.2013 - 01.2016
CA.IPCC - Business Finance, Accounts And Taxation
ICAI
Rajkot 01.2012 - 12.2012
CA.CPT - Business Finance, Accounts And Taxation
ICAI
Rajkot 06.2011 - 12.2011
B.Com. - Business Finance, Accounts And Taxation
Saurashtra University
Rajkot 06.2011 - 03.2014
HSC (Std. XII) - Commerce
Gujarat Board
Rajkot 06.2010 - 05.2011
HSC (Std. X) -
Gujarat Board
Rajkot 06.2008 - 05.2009
Skills
Sense of Urgency
Additional Information
- Marital Status - Married and has one child (son)
- Father name/occupation - Atulbhai Sondagar/Carpenter
- Mother name/occupation - Ranjanben Sondagar/Homemaker
- Spouse name/occupation - Hiral Sondagar/Homemaker
- Permanent Address- Block No. A/8, Dwarkesh Park, Doshi Hospital Main Road, Off. Gondal Road, Rajkot, 360004.
- Present Address-Flat No. B/T-4, Rajvi Complex, Nr. Sonal Cross Roads, Gurukul Road, Memnagar, Ahmedabad, 380052.
Software
MS (Outlook, Word, Teams and Power Point)
Finacle (CBS) for Credit Appraisal
Tally for Accounting
Interests
Long driving (maximum single drive 1000kms so far)
Surfing around maps
Travelling and adventure sports
Watching documentaries (wildlife, cultures, festivals, events, factories, engineering, etc)
Accomplishments
- Promoted by ICICI Bank 2 times out of 3 appraisal cycles
- Received state government scholarship after Std. X
- Nominated for specialized cash flow training
- Completed GMCS and IT Courses as a part of CA curriculam
Timeline
Credit Manager - SME
Axis Bank
11.2021 - Current
Credit Manager - SME & MCG
ICICI Bank
04.2019 - 10.2021
Relationship Manager - SME and Agri
ICICI Bank
01.2017 - 03.2019
Senior Executive - Cohorts Program
Wipro
03.2016 - 12.2016
Final CA - Business Finance, Accounts And Taxation
ICAI
01.2013 - 01.2016
CA.IPCC - Business Finance, Accounts And Taxation
ICAI
01.2012 - 12.2012
CA.CPT - Business Finance, Accounts And Taxation
ICAI
06.2011 - 12.2011
B.Com. - Business Finance, Accounts And Taxation
Saurashtra University
06.2011 - 03.2014
HSC (Std. XII) - Commerce
Gujarat Board
06.2010 - 05.2011
HSC (Std. X) -
Gujarat Board
06.2008 - 05.2009
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