Darsh Savla

• Co-founded and operated a Cosmetics based Startup specializing in daily use beauty-cosmetic products operated under the brand name "Beautisoul"
• Streamlined financial and business management of the company

• Prepare quality and creditworthy New Money business proposals and review proposals for Mid-Market and Large Corporate clients
• Structure credit proposals tailored to the needs of the clients while critically analysing key business drivers, industry and bank exposure and dynamics, setting covenants, Porter's model analysis, financial statement analysis, and tracking macroeconomic trends and analysing the external rating reports
• Analyse the business models and underwrote credits of prime Indian unicorn start-ups with extensive credit analysis and discussion with the upper management for proposed financing via debt
• Coordinate with clients for financial information, security documentation, trend analysis and statutory requirements
• Monitor the credit quality of the portfolio and take timely and remedial measures to ensure smooth operations
• Liaise internally with various departments for ensuring efficient onboarding and service of corporate customers

Currently working as AVP Credit & Lending at Merito, a Fintech and a Data Analytics platform, overlooking the entire lending function

Building an AI led Scorecard for evaluating and underwriting D2C brands across segments

Liaisoning with popular D2C brands and NBFC lenders to underwrite the businesses fostering longer term growth for these brands

Successfully completed deals worth INR 35Mn across 6 D2C brands within 2 months contributing to the target of crossing AUM of INR 1Bn

• Worked on buy & sell side financial due diligence deals in the Pharmaceutical, Healthcare, and Textile sectors
• Worked on a buy-side acquisition of the home textile segment of an Indian listed entity by another listed entity

• Articleship training under various aspects in the field of auditing in the Manufacturing sector including but not limited to:
• For India's largest Automobile manufacturer in the CV segment - Quarterly statutory audit for a total of 9 quarters, including 3 year-end audits over 3 years
• Worked on Form 20-F filing to be filed with the US-SEC (Securities Exchange Commission)
• For the Listed Indian Subsidiary of a German Multinational Conglomerate engaged in Energy, Infrastructure, Industry - Statutory Audit for the year ended 30th September 2019