PAWAN LOHIYA
Structured Credit & Finance Advisor
Summary
Goal oriented professional targeting assignments in Banking and Finances/Financial analysis /Modelling / Risk segment offering over 10 years of experience in Banking. Currently associated with Shell India as Senior Finance Advisor. A well-versed professional in the field of financial analysis, financial modelling and Credit risk. Expertise at financial/credit analysis and financial modelling.
Overview
14
14
years of professional experience
Work History
Senior Finance Advisor
Shell Business Operations
04.2024 - Current
- Involved in managing Trade commodity Finance portfolio of of Shell related to crude finance extended to counterparties primarily for trading gains.
- Key responsibilities includes involvement into deal management since NBP phase, ensure operational viability of pre disbursement checklist and work closely with deal team for compliance of the same, Monthly and quarterly reporting to VPs via Salesforce, Records management & process documentation & Creating deals in ETRMs to be flown to SAP amongst others.
- Improved financial reporting accuracy by streamlining data collection and analysis processes.
- Played a key role in driving data consolidation through different financial modelings developed internally.
- Developed detailed financial reports that provided valuable insights into company performance, facilitating data-driven decision-making processes at all levels of the organization.
- Managed relationships with external stakeholders including Offshore business development team personnel, Partner banks, Agents, Multinational Law Firms to ensure compliance with contracted terms and conditions.
- Collaborated with cross-functional teams on various projects, ensuring alignment between financial goals and overall business objectives.
- Assisted executive leadership in formulating strategic plans by providing insightful financial analysis and recommendations.
Associate Vice President- (Location Credit Manager)
Kotak Mahindra Bank Ltd.
02.2022 - 04.2024
- Handling portfolio of 25 plus Corporate clients with turnover of upto INR 1000 Crore.
- Involved in Note drafting, review and recommendations.
- Implemented data-driven decision-making practices to inform business strategy and optimize performance metrics across all departments.
- Drove digital transformation efforts within the organization, leveraging emerging technologies to streamline workflows, improve communication channels, and enhance overall productivity.
- End to end monitoring of Credit quality of portfolio done on continuous basis.
- Other responsibilities w.r.t. team lead profile includes regular follow ups for MIS, maintaining overall team TAT, Ensure disbursement flow in speedy manner with target monthly disbursement, being part of weekly Business Head MIS etc.
Senior Credit Manager (Business Banking Group)
Kotak Mahindra Bank Ltd.
10.2018 - 02.2022
- Involved right from structuring the limit, recommending to the sanctioning authority.
- Frequent visit to the client place and keeping the overall delinquency levels on check.
- Thorough analysis of the credit requirement of the applicant through understanding & analysis of business model, past & future financials and comprehensive due diligence.
- Appraising about the Bank's products and process befitting the need.
- Proper and precise presentation of the analyzed information to enable sanctioning authority to take final call.
- Broad industry segment dealt proficiently includes Textile, Chemical manufacturers, Metal & Metal Products, Contractors, Plastic & Packaging, Hospitals, Rubber, Medicines, and Food grain traders for Rajasthan and Gujarat Location.
- Verified all customer credit application information, including bank and vendor references.
- Searched local and nationwide databases for civil and commercial litigation as well as property ownership.
- Performed financial and industry analysis and prepared supporting documentation for client credit approval.
- Evaluated macroeconomic conditions to anticipate potential impacts on borrowers' financial health, proactively addressing any areas of concern before they became critical issues.
- Assessed credit worthiness of applicants based on investigative findings. Performed underwriting, financial analysis and the calculation of key financial ratios.
- Created financial and cash flow forecasting models to determine debt repayment and deal profitability.
Manager (Small and Medium Enterprise Group)
Axis Bank Ltd.
11.2016 - 10.2018
- Involved right from onboarding of client, structuring the limit, recommending to the sanctioning authority, documentation and disbursement of facilities.
- Frequent visit to the client place and keeping the overall delinquency levels on check.
- Thorough analysis of the credit requirement of the applicant through understanding & analysis of business model, past & future financials and comprehensive due diligence.
- Visiting units and discussing business loan requirement of the applicants and appraising about the Bank's products and process befitting the need.
- Proper and precise presentation of the analyzed information to enable sanctioning authority to take final call.
- Broad industry segment dealt proficiently includes Textile, Metal & Metal Products, Contractors, Plastic & Packaging, and Hospitals.
- Doing financial modelling budgeting & forecasting techniques for businesses having Capital expenditure term loan needs with projection of revenue for next 5 or 7 years.
- Verified all customer credit application information, including bank and vendor references.
- Searched local and nationwide databases for civil and commercial litigation as well as property ownership.
- Performed financial and industry analyses and prepared supporting documentation for client credit approval.
- Completed data entry for all complied information.
- Assessed credit worthiness of applicants based on investigative findings. Performed underwriting, financial analysis and the calculation of key financial ratios for small business.
- Created financial and cash flow forecasting models to determine debt repayment and deal profitability.
- Accomplished multiple tasks within established timeframes.
Deputy Manager (Rural Business Credit)
ICICI Bank Ltd.
08.2015 - 09.2016
- Preparing the CAM and recommending it for sanction.
- Monitoring portfolio performance of clients, ensured compliance with statutory requirements laid by acts governing banking regulations.
- Arranging meetings with potential customers through cold calling for new business opportunities.
- Managing all transaction processes and delivery of services; provided services to existing customers and succeeding all aspects of customer relationships.
- Generating referrals from the internal database; acquired clients through interacting with walk-in customers.
- Discussing financial requirements and rendered sustained advisory services to personal and business clients.
- Setting and achieving branch sales targets in liabilities products, third party products like mutual funds, insurance and in assets products like term loans, CC /OD limits, working capital loans, trade finance, agricultural lending (under priority sector advancing) and so on.
- Managing and enhancing the portfolio of around 200 mn. to generate income for the Branch around 10 mn. in form of processing fee apart from regular interest income.
- Organized promotions such as RBC Loan Mahotsav for customers to ensure 20-25% growth in RBC portfolio, Current Account Savings Accounts (CASA), time and fee incomes for the financial year.
Trainee Associate
Anand Rathi IT Pvt. Ltd.
03.2015 - 07.2015
- Company Overview: Jodhpur
- Examined and profiled potential acquisition targets and prospective buyers, presented the strategic rationale for potential transactions& Excel modelling of corporate's financials.
- Predictions of next year's financials based on assumptions.
- Prepared client reports and key documentation for fund-raising, acquisitions and disposals including information memoranda and business plans; arranged pitch documentation.
- Identified and targeted potential opportunities for practice; worked with senior members of the team to convert these into fee earning engagements.
- Organized reports based on research conducted and made important suggestions on investments for companies as well as individuals.
- Jodhpur
- Used statistical tools such as Time Series Models, Regression, Assumption Method, budgeting & forecasting techniques to analyze reports.
- Supported the Institutional Equity with monthly financial reports, capital investment analysis, and long term planning.
Article Trainee
Suresh Solanki & Associates, Chartered Accountants
08.2011 - 10.2014
- Handling Statutory Audit, Internal Audit and Tax Audit (Form 3CD and related annexure).
- Preparation and finalization of books of accounts.
- Preparation of individual files and Income tax return filing.
- Preparation and filing of TDS and VAT returns.
- Prepared proposal for Project finance and Credit Limit Analysis for Banks.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India
04.2001 -
Company Secretary -
The Institute of Company Secretaries of India
04.2001 -
Bachelor of Commerce (Accounting Honours) -
Jai Narain Vyas University
04.2001 -
Skills
Strategic risk mitigation
Credit analysis
Management reporting
Due diligence
Working capital management
Corporate finance
Variance analysis
Project finance
Portfolio management
Financial modelling
Financial assessment
Training
- Business through Quality Analysis (Advance), Delhi, Axis Bank, 2 days
- Compulsory Computer Training (ITT), ICAI
- Orientation Programme, ICAI
- Basic Computer Course, UGC Approved Institute, 2010
Mailing Address
Flat No. 704, Saransh Residency, Ahmedabad, Gujarat, 380015
Timeline
Senior Finance Advisor
Shell Business Operations
04.2024 - Current
Associate Vice President- (Location Credit Manager)
Kotak Mahindra Bank Ltd.
02.2022 - 04.2024
Senior Credit Manager (Business Banking Group)
Kotak Mahindra Bank Ltd.
10.2018 - 02.2022
Manager (Small and Medium Enterprise Group)
Axis Bank Ltd.
11.2016 - 10.2018
Deputy Manager (Rural Business Credit)
ICICI Bank Ltd.
08.2015 - 09.2016
Trainee Associate
Anand Rathi IT Pvt. Ltd.
03.2015 - 07.2015
Article Trainee
Suresh Solanki & Associates, Chartered Accountants
08.2011 - 10.2014
Chartered Accountant -
The Institute of Chartered Accountants of India
04.2001 -
Company Secretary -
The Institute of Company Secretaries of India
04.2001 -
Bachelor of Commerce (Accounting Honours) -
Jai Narain Vyas University
04.2001 -