Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

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
Mumbai
05-2024

Bachelor of Engineering - Mechanical Engineering

DYPIET
Pune
07-2020

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
SAGAR AMBULE