Jay Kapadia

Manager - Credit & Debt Syndication:

• Working as Manager - Credit in Plutus Bizz Advisors PVT LTD under Jasper team i.e. for Credit & Debt Syndication Department.
• Working as credit manager and leading a team of 2 credit executives to cater the customer as per their requirements.
• Catering customer with various types of requirements, the overall scope involves: Management Advisory, Virtual CFO/CEO/COO, Business Transformation, Business Strategies, Merger & Acquisitions, Revenue Management, Corporate Governance, Research & Advisory, Project Finance and Finance Mobilisation.
• Major tasks involves working under debt syndication and meeting the clients and as per client's requirement structuring the deal to cater the financial need of customer.
• The day to day activities involves providing various financial solution to client to structure the better deal for financing the projects of clients.
• Majority customers are of builders background hence majority of work involves various financial debt products like: Retail & Unsecured Loans (i.e. Banking Surrogate Loan, Unsecured Business Loan & Personal Loan) Builder Finance Loans ( i.e. Construction Finance (Asset Backed Loan and Non Asset Backed Loan), Lease Rental Discounting Loan, Loan against Property/ Non Residential Property Loan)) , Working Capital Loan (CC/OD, BG,LC, EPC, PCFC, PSFC, BD, LCBD, Term Loan, Corporate Loan), Acquisition Finance Products (Slump Sale, Equity Sale, Asset + Goodwill sale), Loan on Specialized Properties (i.e. School, Hostel, Hospital, Hotel etc.) and Corporate Lending (i.e. Chanel Financing & Invoice Factoring).
• This involves working closely with Banks and NBFCs as we act as an intermediary between client and Financial Institutions. For which I have worked with various Nationalized Banks, Leading Private Banks and several well-established NBFCs as well.
• Prior to on boarding of any customer, I have to complete a credit check of customer whether the customer has strong financials (by analyzing last 2-3 years Balance sheets and Profit & Loss statements of firm or individual), Analyzing the banking of customer and Review the Credit history of client.
• My work Profile also involves preparing a projected CMA sheet for client, Projected Cashflow statement for Project Financing as per the financial Institution standards.

Credit & Risk Manager:

• Worked as a credit manager in Credit & Policy Group as a Business Loan Underwriter which involves rigorous credit analysis of the profile received and based upon the credibility of applicant sanctioning/ appraising the Business Loan.
• Worked with various customers who were into exporting of final products and to cater their need of lending money through treasury products like EPC (Export packing credit), PCFC (Packing Credit in Foreign Currency), PSCFC (Pre shipment packing credit in Foreign Currency) and Derivatives through LIBOR rate.
• Also, have the working experience and understanding of LIBOR transition and various guidance channels for IBOR reforms like IASB (International Accounting Standard Board) and FASB (Financial Accounting Standards Board).
• Also, having worked as a credit manager involves hedging the risk of customer through obtaining the collateral upfront and obtaining the apt valuations of their collateral from respective valuation teams and analyze the valuation reports and as per the valuation reports provided deciding the to be sanctioned loan amount accordingly.
• Worked with various customers who has requirement of other banking/treasury products like BG (Bank Guarantee), LC (Letter of Credit), OD (Overdraft) and CC (Cash Credit) etc. Also having the working experience of more specialized products like GOLD OD/CC, Insta OD etc.
• Having knowledge of understanding and requirement of various regulatory bodies like FRB, OCC, SEC and PRA for regulation of LIBOR.
• The important skill required for the same is Credit Analysis & Credit Appraisal. The rigorous credit analysis involves Consumer & Commercial CIBIL analysis along with analysis of Profit & Loss statement and Balance sheet analysis of applicant/group concern.
• This process also involves formulation of final note which summarizes the whole analysis of applicant, applicants’ profile & credibility of applicant. The job also requires customer interaction to understand the business & business loan requirement.
• Also the having working experience of various analysis software like COLORS, I-View, Finnacle, Perfios etc.

Overall Productivity Enhancement:

• I was assigned the project of Overall Productivity Enhancement for Assigned Team Members; wherein a team of 50 members was assigned and using various resources provided by the company I had to develop strategies for every individual according to their strengths and weaknesses and deliver them various opportunities and threats so that they can increase their efficiency and overall productivity.

Customer Profile Model:

• I worked under the Core IT department of Atul ltd which works as an independent unit as Atul Infotech Ltd.
• There I developed a web based portal for its customers based on PHP form in which one can insert all the information related to its customers and with the help of PHP at backend one can easily store these information on the database.
• For the development of this web portal, various web development languages were used like HTML, CSS, PHP, BOOTSTRAP etc.