D. VENKATA SAI HEMANTH
Hyderabad
Summary
Dynamic financial professional with a strong background at The Federal Bank Limited, specializing in credit underwriting and portfolio management. Recognized for enhancing proposal quality and driving the implementation of strategic policies that optimize compliance and financial performance. Possesses exceptional analytical capabilities complemented by robust team-building skills, consistently delivering impactful results.
Overview
11
11
years of professional experience
Work History
Sr Manager (CA)
The Federal Bank Limited
Hyderabad
11.2019 - Current
- Experience in credit underwriting in mid-corporate and SME loans of turnover up to 200 Cr.
- Preparation of CAM for companies and other entities, firms engaged in the business of manufacturing, trading, and real estate.
- Expert in the preparation of cash flow statements, quarterly business forecasts, fund flow statement .
- Ensuring compliance to applicable RBI Regulations, Industrial Regulations, Loan Policy , Circulars, Local State laws and rules.
- Experience in managing a portfolio of Rs. 250 Cr (approx).
- Monitoring the portfolio to ensure post-sanction compliance and that the business is in line with the accepted projections.
- Following up with RM for the closure of Exit Marked Accounts and the reduction of exposure for EWS accounts.
- Analysis of business performance by evaluating cash flows and financial statements.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Portfolio & Product Manager ( Business Head)
The Federal Bank Limited
Mumbai
05.2021 - 04.2022
- Prepared presentations for KMP, highlighting annual budgets and monthly reports on business performance.
- Made key decisions regarding budgeting, costing, yield, and ROA.
- Designed and launched a digital platform for personal loans.
- Ensured portfolio quality through proactive measures aligned with economic trends and customer behavior.
- Collaborated with credit bureaus, Analytics team, and Risk department to establish new policies.
- Reviewed loan recovery strategies and developed updated policies for recovery processes.
- Maintained compliance with RBI regulations and other statutory requirements.
- Securitized loans from non-banking financial companies (NBFCs) to enhance liquidity.
Assistant Accounts Manager & Financial Analyst
Kamala consumer care private limited
Hyderabad
02.2018 - 08.2019
- Prepared consolidated and standalone financial statements accurately and timely.
- Prepared Annual Budgets & forecasts.
- Responsible for monthly and quarterly reports with comparison to accepted budgets.
- Identified and implemented internal controls.
- Conducted product costing analysis to enhance pricing strategies.
- Reconciled and filed GST returns to ensure compliance with regulations.
Articled Assistant
Chandramouli Gupta & Co
Anantapur
09.2016 - 09.2017
- Statutory audits of banks.
- Filing individual tax returns.
- Stock audits.
Articled Assistant
M Bhaskar Rao & Co , Chandra Mouli Gupta & Co
Hyderabad
08.2014 - 08.2017
- Managed statutory, internal, and tax audits across diverse manufacturing and service companies.
- Prepared comprehensive Financial Reports and Annual Reports .
- Led independent Audit processes and designed Internal controls for companies .
- Conducted limited reviews for listed entities.
Education
Chartered Accountancy -
Institute of Chartered Accountants of India
Delhi08-2019
Bachelor of Commerce - Commerce , Accounts
Osmania University
Hyderabad04-2019
Company Secretary - Executive -
Institute of Company Secretaries of India
New Delhi07-2018
Intermediate - Maths, Economics And Commerce
Board of Intermediate - A.P & Telangana
Hyderabad06-2013
High School Diploma -
Sri Gurudatta School
Hyderabad03-2011
Skills
- Financial analysis and planning
- Credit underwriting
- Portfolio management
- Credit Hygiene
- Taxation and compliance
- Regulatory oversight
Accomplishments
- 5 exemptions in CA final, achieved 72 in Financial Reporting, and 86 in Cost Accounting
- Four exemptions in the CS Executive
Personal Information
- Date of Birth: 03/03/1996
- Father Name - D Venkata Rathnam
- Mother's name - D Rajya Lakshmi
- Hobbies - Reading Books , Cycling , Cricket
- Languages - English , Telugu , Hindi
Timeline
Portfolio & Product Manager ( Business Head)
The Federal Bank Limited
05.2021 - 04.2022
Sr Manager (CA)
The Federal Bank Limited
11.2019 - Current
Assistant Accounts Manager & Financial Analyst
Kamala consumer care private limited
02.2018 - 08.2019
Articled Assistant
Chandramouli Gupta & Co
09.2016 - 09.2017
Articled Assistant
M Bhaskar Rao & Co , Chandra Mouli Gupta & Co
08.2014 - 08.2017
Chartered Accountancy -
Institute of Chartered Accountants of India
Bachelor of Commerce - Commerce , Accounts
Osmania University
Company Secretary - Executive -
Institute of Company Secretaries of India
Intermediate - Maths, Economics And Commerce
Board of Intermediate - A.P & Telangana
High School Diploma -
Sri Gurudatta School
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