CHAITANYA KULKARNI

Key Roles: Vertical Team Leader- TEV

• Changed the entire workflow for TEV Report preparation starting with designing the report, introducing various parameters and criteria in report.
• Instrumental in execution of 1st ever international TEV for SMERA.
• Observed continuous improvement in the TAT and quality of reports.
• Arranged and attended meetings with potential collaborators for further growth in various products.

Key Responsibilities

• Cross-trained existing employees to maximize team agility and performance.
• Accomplished multiple tasks within established timeframes.
• Conducted committee meetings for rating /grading products. Responsible for improvements in quality of representation of report.
• Instrumental in developing the rating model for SME Ratings.
• Handled team for execution of SME Awards.
• Developed and maintained relationships with customers and suppliers through account development.

Role: Credit (Industrial Finance)

Key Role:

Project Viability, Reviewing TEV Reports, Supplier Due Diligence, Working Capital Assessment, Risk Management, Restructuring, Subsidy Due Diligence, Bank Policies, Strategic Tie-ups and Decision Making

Key Responsibilities

Project Viability

• Reviewing DPR based on Technical and Financial aspects
• Scrutinizing and appraising before Board of Directors
• Reviewing TEV Reports sought for the proposal
• Ensuring the key ratios and debt servicability to be achieved in projections
• Providing inputs to TEV consultant for required results
• Visiting pre sanction for assessing the process and understanding business and Post disbursement of loan for ensuring proper end use of funds

Supplier Due Diligence

• Assessment of machinery and equipment suppliers by secondary sources and direct contacting
• Preparing reports for helping Credit team with appraisal

Working Capital Assessment

• Determining the working Capital requirement on the basis of realistic cash conversion, inventory conversion and working capital gap method
• Suggesting type of working capital loan on the basis of application of funds

Accomplishments

• Handled projects worth around Rs.800 Crore under project Viability, supplier Due diligence, working capital assessment
• Restructuring, Risk Management and Strategic tie-ups
• Handle entire restructuring portfolio for Bank
• Responsible for creating Covid relief related Restructuring Policy for the bank
• Executed restructuring of loans of around Rs.600 crore
• Member of Risk Management committee
• Required to provide valuable inputs to update and improve risk based credit analysis and appraisal
• Pivotal in creating strategieic Tie-up with Rating Agencies to carry out external credit rating of Rs.3000 crore portfolio at competitive rates
• Pivotal role in creation and updation of Bank Policies for Risk Mitigation, Climate Risk, MSME lending etc.
• Cross-trained existing employees to maximize team agility and performance.
• Accomplished multiple tasks within established timeframes.

• Techno Economic Viability, Financial Improvement Planning, Industry Research
• Key Responsibilities
• Techno Economic Viability
• Project scope preparation and finalizing with client
• Project co- ordination with team members for the data and completion of the project
• Analysis of Industrial, financial and risk aspects of the projects
• Ratio analysis for the parameters crucial for the particular industry
• Sensitivity analysis of the project financials for determining the risks involved in the project
• Single handily carried out TEV study for 5 projects across various sectors
• Worked with team for more than 20 projects across various sectors
• Project evaluation
• Preparation of broad scope after liaisoning with the client
• Defining the decisive steps for project execution
• Preparationofexecutionplanafterconsideringthedeviationsand contingencies related to the execution
• Worked with team to handle 3 greenfield and 2 brownfield projects
• Industry Research
• Research and analysis on various facets of the Economy and Industries
• Contract Management
• Performed contract review, cost vetting of various awards and claim analysis for infrastructure giant

• Techno Economic Viability, Financial Improvement Planning, Industry Research
• Key Responsibilities
• Techno Economic Viability
• Analysis of Industrial, financial and risk aspects of the projects
• Ratio analysis for the parameters crucial for the particular industry
• Peer group comparison of the client for risk profiling of the company w.r.t
• Financial performance
• SWOT Analysis of the project, company and market
• Sensitivity analysis of the project financials for determining the risks involved in the project

• Asset Management, Due diligence & Fund Management
• Key Responsibilities
• Assset Management:
• Liaising with various departments to prepare MIS in agreed upon format with client
• Validation of MIS for Real estate company and Textile company
• Key financial analysis to assist investors/management in taking decisions
• Tracking of actual performance viz a viz planned and identifying reasons for the deviations
• Preparing asset management reports, reporting to the investors and discussing the same with them
• Due Diligence:
• Collection Analysis - Collection Pattern, Debtors Ageing etc
• Analysing the Business Plan and Growth opportunities of portfolio Companies
• Preparing reports, reporting to the investors and discussing the same with them
• Fund Management
• Analysis of financials of company for variance analysis of cash flows
• Highlighting the idle funds in banks and suggesting various investment options for utilization of these funds
• Emphasizing on optimum investment of available funds
• Internship

• Sectorial Analysis of Oil & Gas sector, Key Roles and Responsibilities
• Macro & micro analysis of various companies in sector
• Valuation of the stocks on the basis of financial analysis
• Future projections for short term & long term price targets of the stocks