DEEPANKAR KR GAMBHIR
Delhi
Summary
Experienced finance professional specializing in credit underwriting, financial structuring, and risk management. Led end-to-end credit deals encompassing financial analysis, due diligence, and approval processes while ensuring compliance with regulatory standards. Expanded credit portfolios and mitigated risk through strategic credit judgment, delivering tailored lending solutions that support business growth and manage stakeholder expectations.
Overview
2
2
Languages
19
19
years of professional experience
Work History
Vice President
Rajendra Management Group
11.2025 - Current
- Developed and executed Group financial strategy aligned with business objectives, enhancing overall financial performance.
- Leading budgeting, forecasting, financial planning, and performance analysis across business verticals.
- Managed treasury operations, optimized working capital, and strengthened banking relationships to ensure effective cash flow management.
- Driving profitability improvement through cost optimization, process automation, and operational efficiency initiative
- Building and mentoring high-performing finance teams while fostering a culture of accountability, transparency, and continuous improvement.
- Collaborated with business leaders in manpower and IT divisions to drive sustainable growth and operational excellence, supporting long-term value creation.
- Ensuring statutory compliance, internal controls, corporate governance, and regulatory adherence.
Vice President
My Mudra Fincorp Ltd.
02.2024 - 10.2025
- Spearheaded strategic client acquisition and portfolio expansion, contributing to a measurable increase in loan book and fee-based income.
- Drafted and structured loan proposals (working capital, term finance, short-term funding), which facilitated submission to lending institutions.
- Collaborated with key stakeholders to determine funding requirements and resolved queries from credit sanctioning authorities.
- Fostered client engagement, monitored transaction milestones, and identified opportunities for value-added financial solutions.
- Spearheaded client acquisition and portfolio expansion, directly contributing to growth in loan book and fee-based income.
- Developed and implemented credit risk frameworks aligned with internal policy and regulatory compliance (RBI, Basel norms).
- Drove portfolio monitoring and early warning systems, enabling proactive identification of stress exposures and mitigation strategies.
Associate Vice President
Kotak Mahindra Bank Limited
10.2023 - 01.2024
- Managed team workflows and facilitated regular check-ins to ensure alignment with business objectives.
- Structured, negotiated, and finalized Term Sheets in coordination with clients and financial partners to secure funding solutions.
- Analyzed customer financial data and banking exposure to structure tailored working capital products (CC, OD, LC, BG, etc).
- Drafted and evaluated credit proposals for fund-based and non-fund-based limits, ensuring compliance with credit policy and risk parameters.
- Collaborated with cross-functional teams including credit, risk, and compliance to expedite deal closures and improve customer experience.
- Conducted due diligence and financial risk assessment to support lending decisions and minimize portfolio risk exposure.
- Monitored client accounts post-disbursement for proper utilization of sanctioned limits and early identification of stress signals.
- Built and maintained strong client relationships, resulting in repeat business and increased wallet share.
- Managed team workflows, facilitated regular check-ins, and delivered operational oversight to drive efficiency and alignment with business objectives.
Manager - Emerging Corporate Group
HDFC Bank Limited
05.2022 - 03.2023
- Oversaw a credit portfolio of ~INR 500 Cr across 24 accounts, ensuring smooth account operations and client service.
- Evaluated funding needs and structured tailored credit solutions across working capital and trade finance products (e.g., CC/OD, LC, BG, export finance).
- Oversaw a credit portfolio of ~INR 500 Cr across 24 accounts, ensuring smooth account operations and client service.
- Performed credit due diligence, financial reviews, and prepared CMA data and credit proposals for internal sanctioning.
- Reviewed and enhancing financial models with the Investment Banking division for clients APCO and KCPL, enhancing decision-making processes.
- Monitored portfolio risk indicators and ensured compliance with internal credit policy, regulatory guidelines, and sanction terms.
- Conducted periodic account reviews and renewal proposals to ensure credit quality and strengthen relationship continuity.
- Liaised with external stakeholders, including credit rating agencies, auditors, and legal counsel, to facilitate deal execution and ensure compliance.
- Developed tailored financial solutions to address client-specific needs, improving wallet share and portfolio profitability.
Analyst
Finmen Advisors Private Limited
08.2019 - 10.2021
- Evaluated financial health through analysis of statements, forecasts, and business strategies; performed peer benchmarking to identify risk and performance gaps.
- Developed customized credit strategies to improve clients' creditworthiness, resulting in higher rating outcomes and enhanced lender confidence.
- Coordinated with credit rating agencies to articulate case insights, manage analyst interactions, and ensure compliance with regulatory protocols.
- Supported clients in achieving desired credit outcomes by conducting in-depth financial modeling and preparing CMA data per regulatory requirements.
- Coordinated with credit rating agencies, articulating case insights, managing analyst interactions, and ensuring adherence to compliance protocols.
- Developed customized credit strategies that enhanced clients' creditworthiness and led to improved rating outcomes and lender confidence.
- Streamlined the CMA preparation process, reducing turnaround time by X% and increasing efficiency in submission workflows.
- Enhanced CMA preparation workflows for efficiency. to reduce turnaround time and enhance efficiency in submission workflows.
- Supervised and coached junior analysts; led knowledge transfer sessions to streamline team onboarding and workflow efficiency.
Senior Accountant
Study By Janak Fashions Pvt. Ltd.
12.2018 - 08.2019
- Oversaw core accounting functions, financial forecasting, MIS reporting, and statutory financial closures to ensure accurate financial reporting.
- Finalized financial statements including Balance Sheet, P&L, and Notes to Accounts; addressed queries from banks and external auditors.
- Maintained regulatory compliance through timely TDS, GST, and Income Tax return filings; reconciled GST inputs and managed reverse charge mechanism entries in Tally.
- Implemented cost optimization strategies, analyzed margins and variances by product and customer, and monitored stylistic cost performance.
Audit Assistant - Internal Audit
Orient Craft Limited
08.2016 - 08.2018
- Developed and applied audit test plans aligned to risk profiles; prepared working papers and issued audit findings in collaboration with audit leadership.
- Automated key audit processes and control testing through Excel macros and ERP tools, reducing manual efforts and improving accuracy.
- Executed periodic inventory spot-checks for fabric and trims; supported audit lifecycle management and ensured delivery of compliance deliverables.
- Mapped and documented HR processes through operational walkthroughs; assessed risk points using WCGW methodology and recommended control enhancements.
- Developed and applied audit test plans aligned to risk profiles; prepared working papers and issued audit findings, facilitating effective communication with audit leadership.
- Executed periodic inventory spot-checks (fabric and trims) to support audit lifecycle management and ensure timely compliance deliverable completion.
- Coordinated and supervised payroll audits across 5 locations for 5,000+ staff; ensured compliance with compensation structures and labor regulations.
- Mapped and documented HR processes through operational walkthroughs; assessed risk points using the WCGW methodology and recommended control enhancements.
- Conducted root cause analysis for recurring audit issues; proposed actionable recommendations and tracked implementation effectiveness.
Senior Credit Officer
Indiabulls Housing Finance Ltd
01.2013 - 09.2013
- Conducted on-site customer and property assessments, analyzing financial statements, liabilities, and credit history to determine eligibility and reduce potential defaults.
- Evaluated and proposed sanctioning of mortgage cases (Home Loans & LAP) up to ₹2 Cr, ensuring compliance with internal credit norms to optimize risk management.
- Coordinated with credit and sales teams to streamline end-to-end processing and review appraisal files for timely underwriting approval.
Article Assistant
V. K Dhingra & Co./ J. P Mohta & Associates
New Delhi
08.2007 - 09.2010
- Assisted statutory, internal, and tax audits for clients across diverse industries, ensuring compliance with Indian Accounting Standards and enhancing overall audit quality.
- Prepared and reviewed financial statements, trial balances, and ledgers for audit and reporting engagements, contributing to accuracy and transparency in financial reporting.
- Conducted tax computation for individuals, firms, and companies, streamlining preparation and filing of Income Tax and Service Tax returns.
- Performed bank, debtor, and creditor reconciliations, identifying discrepancies and recommending corrective measures.
Education
Professional Degree (Chartered Accountant) -
The Institute of Chartered Accountant of India
Master Degree - Business Administration - Finance
Symbiosis Centre for Distance Learning
Skills
- Credit Risk Assessment
- Loan Structuring
- CMA preparation
- Bank Deal Execution
- Due diligence
- Portfolio Monitoring
- Regulatory compliance
- Basel Norms Compliance
- Financial Modeling
- Working Capital Structuring
- Cash Flow Management
- Process Optimization
- Client Relationship Management
- MIS management
CUST
Gender: Male
Accomplishments
- Played a pivotal role in IT product development for Banking-as-a-Service (BaaS), contributing to the Group's expansion into fintech-enabled solutions.
- Led liaisoning with banking partners to establish RMG as a Technology Service Provider (TSP) for Yes Bank, RBL Bank, and IDFC Bank.
- Successfully raised funds from banks to support business expansion, strengthening the Group's capital base for growth initiatives.
Certificates
Gender: Male
Languages
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Vice President
Rajendra Management Group
11.2025 - Current
Vice President
My Mudra Fincorp Ltd.
02.2024 - 10.2025
Associate Vice President
Kotak Mahindra Bank Limited
10.2023 - 01.2024
Manager - Emerging Corporate Group
HDFC Bank Limited
05.2022 - 03.2023
Analyst
Finmen Advisors Private Limited
08.2019 - 10.2021
Senior Accountant
Study By Janak Fashions Pvt. Ltd.
12.2018 - 08.2019
Audit Assistant - Internal Audit
Orient Craft Limited
08.2016 - 08.2018
Senior Credit Officer
Indiabulls Housing Finance Ltd
01.2013 - 09.2013
Article Assistant
V. K Dhingra & Co./ J. P Mohta & Associates
08.2007 - 09.2010
Professional Degree (Chartered Accountant) -
The Institute of Chartered Accountant of India
Master Degree - Business Administration - Finance
Symbiosis Centre for Distance Learning