Sagar Thakkar
Mumbai
Summary
- Possess rich experience of more than 10 years into Banking and Financial Services.
- A competent professional with experience in credit risk, credit underwriting, Credit Rating, Due diligence and Financial analysis.
Overview
12
12
years of professional experience
Work History
Associate Vice President
Kotak Mahindra Bank Limited
Mumbai
07.2022 - Current
- Conducted financial analysis of potential credit risks using quantitative and qualitative data. Analyzed historical credit trends to identify areas of risk exposure.
- Preparing written Credit Risk Assessment Note which comprise of analyzing financial Statement Credit rating of the company, SWOT analysis, key risks and its mitigants for presentation and approval for credit committee.
- Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business and Credit teams in line with the banks risk appetite
Senior Credit Manager
HDFC Bank Limited
Mumbai
07.2020 - 07.2022
- Review of credit proposals submitted by business on assigned set of accounts and assess the risk involved comprehensively.
- Monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default
- Analyzed customers financial statements, credit reports, and other data to assess risk of extending credit.
Credit Analyst
Aditya Birla Finance Limited (ABFL)
Mumbai
02.2017 - 04.2020
- Evaluating financial statements, historical trends, projections, management performance, industry, capital structure and collateral analysis.
- Performing various departmental functions, including loan covenant monitoring, risk rating, stress testing and audit preparation.
Assistant Analyst
Dun & Bradstreet Information Services Pvt Ltd (D&B)
Mumbai
10.2013 - 01.2017
- Proficiency in Supplier Risk Management, Customer Risk assessment, Distributor Risk assessment and C&F Risk assessment
- Analyzing Counterparty’s financial Statement (Balance sheet and P & L), Business Risk, Credit and Risk ratios inclusive of liquidity, leverage, working capital, debt service ratios.
- Carried as pilot and leading team for carrying distributor Risk assessment for one of the leading FMCG Company in India.
Intern
Wesley International Limited
Dubai
05.2012 - 07.2012
- Managed accounts receivable and payable, reconciled bank statements, and prepared financial reports.
- Monitored cash flows and prepared weekly cash projections.
- Analyzed financial data to identify discrepancies or trends.
Education
MMS (Master of Management Studies) - Finance
MET League of Colleges (MET), Mumbai University
Mumbai07-2013
B. Com (Honours) -
Narsee Monjee Institute of Management Studies (NMIMS), NMIMS University
Mumbai05-2011
Skills
- Credit Risk Assessment
- Analytical Skills
- Industry Analysis
- Team Management
- Portfolio Management
- MS Word
- MS Excel
- MS PowerPoint
Personal Information
- Date of Birth: 05-December-1989
- Marital Status: Single
Accomplishments
- BSE and NSE Certifications on basic understanding of the stock market.
- Received “WOW” Award during my tenure at Dun & Bradstreet Information Services Pvt Ltd (D&B)
Languages
English
First Language
Hindi
Beginner
A1
Gujarati
Beginner
A1
Timeline
Associate Vice President
Kotak Mahindra Bank Limited
07.2022 - Current
Senior Credit Manager
HDFC Bank Limited
07.2020 - 07.2022
Credit Analyst
Aditya Birla Finance Limited (ABFL)
02.2017 - 04.2020
Assistant Analyst
Dun & Bradstreet Information Services Pvt Ltd (D&B)
10.2013 - 01.2017
Intern
Wesley International Limited
05.2012 - 07.2012
MMS (Master of Management Studies) - Finance
MET League of Colleges (MET), Mumbai University
B. Com (Honours) -
Narsee Monjee Institute of Management Studies (NMIMS), NMIMS University
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