Kunal Gosain CPA CA MBA
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Summary
Results-driven management professional with proven track record in leadership and operational strategy. Adept at driving organizational growth and enhancing productivity through effective team collaboration and strategic initiatives. Recognized for adaptability and commitment to achieving high standards and impactful results.
Overview
19
19
years of professional experience
6030
6030
years of post-secondary education
Work History
Assistant Vice President (Senior Lead) -CAD
IDFC FIRST Bank Limited
03.2018 - Current
- Team Leader handling Delhi and Kolkata Region for post sanction activities for Large corporates & NBFC clients.
- Handling SCF portfolio PAN India from Delhi Region.
- Responsible for creation and implementation of various processes, SOPs and checklist required for various post sanction activities.
- Responsible for process automation wrt CBS, CLOS & Newgen system within Bank for wholesale segment.
- Leads in the hiring, mentoring, and career advancement of team members, empowering them to reach their full potential.
- Regularly Focused on improving team dynamics & goal setting.
- Continuous engagement with external & internal stakeholders for improvement in structuring policies, process manuals, RBI Circulars, Statutory compliances.
- Continuously assessing and adapting processes based on stakeholder feedback and evolving needs.
- Monitoring mechanism established with early warning signals for prompt identification of non-performing accounts, ensuring corrective actions were taken in line with Bank's internal policy.
- Monitor all irregularities, past dues, covenants, documentation deficiencies and report to Senior Management.
- Checking of DOA for various credit approval and ensuring all the post sanction activities such as issuance of sanction letter, documentation, execution, and limit loading follows sanction terms.
Deputy Manager-Commercial Finance
BMW India Financial Services Private Limited
02.2015 - 03.2018
- Handled Commercial Finance operations, legal documentation & collateral management for Pan India BMW dealerships and other manufacturers.
- Portfolio includes - Inventory funding, Spare Parts, Working capital and Term loans.
- Successfully implemented GST laws in the system.
- Preparing complete, correct, reliable MIS for various business needs (Internal Audit Department, RBI Audits, SOX requirements, Peer reviews and Management Decision Making Process) in time.
- Adhering to requirements of regulatory landscape which is ever-changing eg CERSAI, CKYC & Notice of intimation to State Registrar etc.
- Training to dealer's key finance personnel on any changes in policy/process/guidelines along with Meeting with Dealer Principal from time to time.
Assistant Vice President-Team leader – CAD
Yes Bank Limited
01.2010 - 01.2015
- Issuance and vetting of Sanction letter, Loan, Security documentation & Limit loading in system.
- Monthly meeting with Business, legal, Risk, Compliance team for review of various processes & SOP.
- Creation of security on Current, Movable, Immovable Fixed assets (Land & Building).
- Instrumental in getting Form CHG I, Form CHG IV, Creation of Pledge, Valuation & Title search report done within the stipulated guidelines through the bank empaneled valuers.
- Working in close co-ordination with Risk team for ensuring Portfolio quality.
- Prompt actionable and initiatives on early warning signal.
- Monitoring the performance and TAT of the agencies hired for various supporting functions like conduct of ROC Search, Valuation and Title Search of Immovable properties, Document Verification, Contact Point Verification and Fraud Containment Unit etc.
Senior Officer – CAD
ABN AMRO Bank N.V
07.2008 - 12.2009
- Document verification and vetting of facility documents including security documents pre and post execution of corporate facilities including international geographies.
- Coordinating post sanction monitoring of the facilities provided by the bank.
- Credit Administration and facilitation.
- Identification of the risk involved in the documentation.
- Analyzing the covenants stipulated in the facility agreement for their compliance.
Assistant Manager – CMOG
ICICI Bank Ltd
10.2006 - 07.2008
- Effective documentation and credit control mechanism through various measures such as perfection & safekeeping of security documentation.
- Due diligence review of credit documents, renewal/review of expiring documentation, tracking of incomplete documentation, complying with local regulatory requirements etc.
Education
Certified Practicing Accountant -
CPA Australia
MBA - Finance
Symbiosis International University
Chartered Accountant - undefined
Institute of Chartered Accountants of India
B Com - undefined
Delhi University
Higher Secondary -
Mamta Modern Sr. Sec. School
Skills
Project management
Risk management
Policy compliance
Operational leadership
Process improvements
Decision-making
Problem-solving abilities
Accomplishments
- SFDC project at Bank level wherein segregated activities eg limit process, covenant & CAM data is brought under one roof.
- Review of entire CAD documentation manual, Covenant SOP.
- Facilitated at Mumbai HQ for contribution in SFDC program.
- Replacement from offline filling of all manual checklist to online mode through Newgen.
- Collateral management system & Covenant module revamp.
- Imparted training to Business at PAN India level.
Timeline
Assistant Vice President (Senior Lead) -CAD
IDFC FIRST Bank Limited
03.2018 - Current
Deputy Manager-Commercial Finance
BMW India Financial Services Private Limited
02.2015 - 03.2018
Assistant Vice President-Team leader – CAD
Yes Bank Limited
01.2010 - 01.2015
Senior Officer – CAD
ABN AMRO Bank N.V
07.2008 - 12.2009
Assistant Manager – CMOG
ICICI Bank Ltd
10.2006 - 07.2008
Chartered Accountant - undefined
Institute of Chartered Accountants of India
B Com - undefined
Delhi University
Certified Practicing Accountant -
CPA Australia
MBA - Finance
Symbiosis International University
Higher Secondary -
Mamta Modern Sr. Sec. School