SAGAR AMBULE
Mumbai
Summary
CFA Level 1 candidate and JBIMS Mumbai graduate with expertise in credit operations, treasury management, and financial analysis. Currently oversees Supply Chain Finance, Treasury, and Investor Relations at a fintech firm. Proficient in managing substantial debt portfolios, optimizing cash flows, and facilitating fundraising efforts. Focused on enhancing skills in corporate finance, investment analysis, and financial management.
Overview
2
2
years of professional experience
1
1
Certification
Work History
Executive - Credit Operations & Treasury
Smartpaddle Technology Pvt Ltd
04.2024 - Current
- Managed ₹500+ crore debt in treasury, ensuring timely lender repayments and optimizing cash flow efficiency
- Assisted senior management with financial forecasts for 10+ lending facilities, improving decision-making
- Reconciled 20+ lenders' books for year-end audit and led ledger reconciliation for VF, PID & SID facilities
- Led Reverse Factoring with lenders like TATA Capital, Muthoot Finance & ABFL, enhancing liquidity solutions
- Oversaw credit lines with HDFC, DBS, Federal Bank & SBM, optimizing WCDL, CC/OD & SID (Factoring) facilities
- Conducted credit evaluations for 30+ SME/MSMEs, handling loan applications ticket size ₹10 lakh to ₹3 crore
- Led end-to-end underwriting for Business, Term & Inventory Finance Loans, ensuring sound credit decisions
- Refined lender engagement strategies and credit criteria, resulting in a ~20% increase in loan approval rates
- Streamlined sales--lender coordination, cutting TAT by ~20% in loan processing through process optimization
- Optimized working capital through Invoice Discounting & Vendor Financing, improving liquidity management
Summer Internship - IND AS 109 Feasibility & Impact on Banks
Union Bank of India
04.2023 - 06.2023
- Analysed IND AS 109, assessing its impact on Banks & NBFCs, made process flows for seamless implementation
- Conducted case studies on Muthoot Finance & Bajaj Housing Finance to evaluate IND AS adoption feasibility
Education
Master of Management Studies (M.M.S.) - Finance
JBIMS
Mumbai05-2024
Bachelor of Engineering - Mechanical Engineering
DYPIET
Pune07-2020
Skills
- Debt & Working Capital Management
- Financial Modelling & Valuation
- Supply Chain Finance & Treasury
- Financial, Ratios & Credit Analysis
- Credit analysis
- Cash flow management
- Financial forecasting
- Lender negotiation
Certification
- NISM - Series - XV: Research Analyst Certification Examination
- NISM - Series - VIII: Equity Derivatives Certification Examination
- Fixed Income Markets Certification - FinShiksha
Timeline
Executive - Credit Operations & Treasury
Smartpaddle Technology Pvt Ltd
04.2024 - Current
Summer Internship - IND AS 109 Feasibility & Impact on Banks
Union Bank of India
04.2023 - 06.2023
Master of Management Studies (M.M.S.) - Finance
JBIMS
Bachelor of Engineering - Mechanical Engineering
DYPIET
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