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
Specialist Sales- North India at Smartpaddle Technology Private Limited - BizongoSpecialist Sales- North India at Smartpaddle Technology Private Limited - Bizongo