PURVANSH SHARMA
Mumbai,MH
Summary
Diligent, ambitious, and accomplished financial management professional with over 6 years of experience in banking and non-banking financial corporations. Demonstrated expertise in managing financial operations, analyzing market trends, and implementing strategic initiatives for business growth. Proven track record of delivering exceptional results through meticulous attention to detail, strong analytical skills, and deep understanding of industry regulations. Committed to optimizing financial performance and fostering long-term client relationships to achieve organizational objectives.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Manager - Emerging Enterprises Group
HDFC Bank Limited
04.2024 - Current
- Assessment of working capital and capex funding proposals of Micro, Medium and Small enterprises by analyzing their business model, financial statements, banking conduct, cash flows, repayment behavior etc.
- Structuring complex deals by strategically incorporating multiple limits such as Overdraft/Cash Credit, Term Loans, Bank Guarantee, Letter of Credit, Pre/Post Shipment Credit, Packing Credit, pre-settlement risk etc.
- Using RBI recommended assessment models like turnover method and MPBF method for calculation of eligible limits for the client.
- Evaluation of critical financial ratios such as Current ratio, working capital gap, leverage, EBITDA, PAT ratio etc
- Adherence to policy, process and monitoring norms as laid down by the bank and taking quick corrective actions in case of deviations.
- Building strong relationships with existing as well as new clients with focus on enhancing profitability of the bank along with providing financial solutions to the clients as per their needs.
Senior Manager – Business Banking
AU Small Finance Bank Limited
09.2022 - 03.2024
- Assessment of working capital and capex funding proposals of Micro, Medium and Small enterprises by analyzing their business model, financial statements, banking conduct, cash flows, repayment behavior etc.
- Structuring complex deals by strategically incorporating multiple limits such as Overdraft/Cash Credit, Term Loans, Bank Guarantee, Letter of Credit, Pre/Post Shipment Credit, Packing Credit, pre-settlement risk etc.
- Using RBI recommended assessment models like turnover method and MPBF method for calculation of eligible limits for the client.
- Evaluation of critical financial ratios such as Current ratio, working capital gap, leverage, EBITDA, PAT ratio etc
- Adherence to policy, process and monitoring norms as laid down by the bank and taking quick corrective actions in case of deviations.
- Building strong relationships with existing as well as new clients with focus on enhancing profitability of the bank along with providing financial solutions to the clients as per their needs.
Relationship Manager – Business Loans group
ICICI Bank Limited
12.2020 - 09.2022
- Handling business loan products which include working capital, term loan, trade and project financing for loans up to Rs.20 crore
- Monitoring and handling of existing business loans clients with total book size of Rs.100 crores for the bank
- Ensure renewals, compliances, delinquencies, trigger alerts, annual visits are completed on time
- Ensure stability of income from existing set of clients and explore avenues for new income generation from existing clients
- Using financial skills to assess company’s financials (i.e., turnover, EBIT, PAT, working capital, net worth etc.) and knowledge of various products for structuring and implementing innovative deals
- Managing healthy relationship with customers by regular interaction with senior management and officials to help them fulfill their financial needs.
Assistant Manager – Credit Underwriting, Home Loans
HDFC Limited
01.2020 - 07.2020
- Appraised housing loan applications of salaried Individuals; calculated eligibility based on assessment of applicant's ability (income, obligations, savings, investments & so on) and their willingness (CIBIL analysis and repayment track of running loans) to repay loan and made decisions based on internal eligibility ratios
- Analyzed individual's credibility based on certain factors including work profile, work experience, employer profile, qualifications, other income sources, family income & so on
- Assessing property to be mortgaged based on parameters such as property type, various aspects of costing (agreement value, market value, property area, amenities), background and experience of builder/financier, availability of documents related to property (OC, CC, floor plans, NOC & so on) and various other legal and technical implications
- Recommended application to sanction committee for approval by informing them about mitigates & proper justification for weaknesses.
Management Trainee – Credit Underwriting, Home Loans
Indiabulls Housing Finance Ltd
05.2018 - 12.2019
- Appraised salaried individuals to access their income; analyzed their CIBIL; calculate their eligibility basis internal policies
- Prepared Credit Approval Memorandum (CAM) sheet to calculate Fixed Obligation to Income Ratio (FOIR) & installed to Net Salary Ratio (INSR) to understand eligibility
- Discussed personally with clients on call or through personal meets to understand property details, market valuations, their family background & loan history
- Formulated reports for same & recommended to Senior Managers for approval or rejection of loan based on facts
- Released Sanction Letter with conditions correctly mentioned & checked.
Education
PGPM - Finance
IBS Business School, Mumbai
03.2018
Bachelors of Commerce - Commerce
Jai Narain Vyaas University, Jodhpur
05.2015
Skills
- Microsoft Excel, Word and Powerpoint
- Financial Statement Analysis
- Credit Analysis and Assessment
- Portfolio Monitoring
- Industry Analysis
- Relationship Management
- Customer Engagement/Service
Accomplishments
· Inter-Railway Cricket Tournament representing North Western Railways.
· U-16 & U-19 National Level Cricket Championship representing Rajasthan as a Vice-Captain in both.
· Inter University Cricket tournament representing Jai Narayan Vyaas University, Jodhpur 3 times continuously.
Certification
- Pursuing CFA from CFA Institute USA (Completed Level 1).
- NSE India (NCFM) Certification in Financial Modeling (Completed with a score of 82%).
- NSDC (National Skill Development Corporation) Certification on Financial Modeling from IMS Proschool, Mumbai.
- NISM Series XV – Research Analyst Certification (Completed with a score of 81%)
- Completed NSE India (NCFM) Financial Markets Beginner’s Module.
Extracurricular Activities
- Associated with The Art of Living Foundation as an Active member & Volunteer; regular practitioner of Meditation & Yoga techniques learned at the Art of Living; socially active in organizing welfare programs through the organization & taking initiatives for the same.
- Permanent member of ICFAI Business School Alumni Board with focus on enhancing curriculum of the college, generating new learning opportunities, organizing talks, seminars, session, mock interviews, etc for students of the college.
- Inter-Railway Cricket Tournament representing North Western Railways.
- U-16 & U-19 National Level Cricket Championship representing Rajasthan as a Vice-Captain in both.
- Inter University Cricket tournament representing Jai Narayan Vyaas University, Jodhpur 3 times continuously.
Personal Information
Date of Birth: 02/22/94
Languages
English
Upper intermediate (B2)
Hindi
Upper intermediate (B2)
Timeline
Senior Manager - Emerging Enterprises Group
HDFC Bank Limited
04.2024 - Current
Senior Manager – Business Banking
AU Small Finance Bank Limited
09.2022 - 03.2024
Relationship Manager – Business Loans group
ICICI Bank Limited
12.2020 - 09.2022
Assistant Manager – Credit Underwriting, Home Loans
HDFC Limited
01.2020 - 07.2020
Management Trainee – Credit Underwriting, Home Loans
Indiabulls Housing Finance Ltd
05.2018 - 12.2019
Bachelors of Commerce - Commerce
Jai Narain Vyaas University, Jodhpur
- Pursuing CFA from CFA Institute USA (Completed Level 1).
- NSE India (NCFM) Certification in Financial Modeling (Completed with a score of 82%).
- NSDC (National Skill Development Corporation) Certification on Financial Modeling from IMS Proschool, Mumbai.
- NISM Series XV – Research Analyst Certification (Completed with a score of 81%)
- Completed NSE India (NCFM) Financial Markets Beginner’s Module.
PGPM - Finance
IBS Business School, Mumbai
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