Saurabh Khatod
IIM-A, CA, L1 Of CFA(US), B.Com
Ahmedabad
Summary
Summary:- A proficient, driven, and reliable entrepreneur with comprehensive and varied expertise in Business Development, Partnerships & Alliances, Product Management, Operations, Policy & Risk, and extensive technology experience. A seasoned Business Leader at the executive level, adept at building and scaling start-ups (from inception to 10) and emerging companies (from 10 to 100). Demonstrated success in establishing and expanding multi-state distributed businesses, coupled with a proven ability to hire, nurture, and retain high-performing teams. A motivational leader with a knack for fostering strategic partnerships, possessing exceptional interpersonal and communication skills, and a track record of effectively managing matrixed organizations.
Objective:- To contribute my expertise in Entrepreneurship, Business & Product Development, Strategy, Partnership Alliances, and other key management functions within an organization. Aspire to play a pivotal role as a Pseudo Promoter/Co-Founder, leveraging my diverse skills, knowledge, and experience to drive maximum value and innovation.
Overview
13
13
years of professional experience
7
7
years of post-secondary education
Work History
SVP and Head - Business Development
Corpository
07.2021 - Current
- Responsible for Expansion Plans, Business Development & Strategic Alliances with India Clients, Partners and Key Global Players.
- Responsible for managing P&L, Strategic Account Management (including Key Large Accounts Management), Sales & Business Strategy, Sales Funnel Management, Marketing & Product Development, Clients Relationships, Customer Retention & Team Management.
- Managing Senior Relationships including "C" level Executives in BFSI space, Mutual Funds, Stock Exchanges and other Key Important Clients of the Company and overall Stake Holder Management.
- Conceptualizing and executing new GTM strategies for different segment of clients and as per clients needs keeping in the overall objective of organization growth plans.
- Ideating new products as per Market Requirement, Collaborating with Product, Tech and Engineering in building it across and taking them to market/Concept Selling and Revenue Enhancement.
- Grew Topline of the Company with a CAGR of 100% Y-O-Y with EBITDA positive growth, acquired 50 Key Large Logos across BFSI and overall addition of 300 clients in last 4 years.
- Responsible for Building, Hiring and Training/Mentoring the Sales Team and Account Management Team. Introduced Best Practices and Streamlined the Processes & Tools, as well as the Reporting and Internal Sales Analytics and CRM matrix.
VP - Product and Business Development
Corpository
10.2020 - 06.2021
- Entrusted with India wide expansion of the brand across BFSI markets with Direct Reporting to the CEO, Founder and key member input role in the Strategic Planning, Business Development, Product Marketing, Product Development and Account Management. Scaled the Company from 1 to 10 journey.
- Directly Responsible for New Client Acquisition, Key Account Management and Client Servicing, and Handling Existing Products Sales ie Complete Credit Life Cycle Solutions, Portfolio Management and Predictive Analytics.
- Leading the entire Software Solution Sales Lifecycle - initiating new conversations, demonstrations, POC's, SOW Finalization, Proposal Negotiation and finally On-Boarding and Delivery with various stakeholders across Credit, Risk, Sales and IT Team across clients.
- Implemented New Process, Training and Roadmap across Account Management to increase the account penetration and revenue for the Company.
- Involved in Complete Ideation, Built up and Execution of GST Product in terms of Market Research, Product Definition, Product Management, Roadmap, UAT testing and Live Environment.
Zonal Credit Manager - West, VP
InCred Financial Services Ltd
04.2019 - 09.2020
- Business Development in SME business with new partnerships and tie-ups and also enhancing existing ones. Have build a Gross disbursed Portfolio of Rs 168Cr in span of 2 years in SME business development in partnership with Zomato, ZipLoans, Indifi and KNab Finance.
- Responsible for overall Portfolio management, Policy formulation and Strategy execution with above partnership's to increase IRR for SME portfolio, with low customer acquisition cost, and lower delinquencies, thus enhancing overall yield of SME business. Managed Gross Disbursed Portfolio of Rs 192Cr over 3 years of UBL - SME business for West Zone.
- Developed and implemented Scorecard model, Proprietary Banking Analysis and Borrower background check information for Banking Surrogate,Liquid Income and Normal Income program, with ease at credit underwriting and risk and effectively managed bounce rates, improved decisioning and lowered TAT along with higher yield.
- Managing and Supervising Credit Team team of 15+ employees and also overlooking the whole team work in sync with Operations, Sales and Collection Team for West Zone.
- Handling liaising activities, reviewing and upgrading vendor service quality and effective relationships with internal and external stakeholders and developed comprehensive reporting tools to provide senior management with valuable insights into regional credit performance trends.
Regional Credit Manager - Gujarat, AVP
InCred Financial Services Ltd
04.2017 - 03.2019
- Credit Appraisal, Underwriting of SME Loans, Supervising Credit Team of 15 employees and instrumental in building Quality & Profitable Portfolio across Gujarat from scratch while adhering to credit policy and defined processes, TAT management, Risk Policy Framework, PD management, CAM quality, Compliance matters and Fraud Risk management.
- Identified areas for automation and digitization for improving growth and health of the portfolio and worked with Tech, Product and Operations for building application platform(LOS for business loans), systems and processes, for smooth user interface and constant innovation and development on job.
Area Credit Manager
Capital Float
11.2015 - 03.2017
- Underwriting of Unsecured Loans across 3 Sectors ie Retail Business Loans (including UBL, Paylater and Invoice Finance products) and E-Commerce Loans (ie E-Com online marketplace loans, Partnership lending) and MCA Loans (Merchant Cash Advance) etc, for Gujarat state.
- Team Building and managed a diverse portfolio of clients, maintaining low delinquency rates through proactive account management, providing inputs for Risk Policy, Compliance matters, coherent team work with Sales and Collections.
Credit Manager - Auto and Business Loans
ICICI Bank Limited
08.2013 - 10.2015
- Accomplished Moving to Digitalization for Decision, Disbursement via I-Decision, I-Disburse and EDP setup across 20 dealers in Ahmedabad. Also ensured good underwritten portfolio with low delinquency and RCU/Fraud Management including actionable/measures for fraud prevention.
- Established a culture of continuous improvement within the credit department, driving process enhancements that increased productivity without sacrificing quality or control measures.
Assistant Manager - Corporate Finance
Torrent Power Limited
08.2011 - 08.2012
- Arranging Debt Syndication, Project Finance, Capex Loan and Working Capital facilities for company and preparing detailed project reports, financial models and IM’s regarding existing and upcoming projects. Implementing Financial plan to meet funds requirements and overlooking same to avoid project overrun and delay.
- Dealing in Trade Finance products i.e. Buyers Credit, LC/BG and other Financial instruments viz. Term Loans, ECA Finance, ECB Finance, Bonds, Commercial Papers etc.
Education
Executive Education Program - Management and Finance
Indian Institute Of Management
Ahmedabad 11.2019 - 03.2020
CA (Chartered Accountant) -
Institute Of Chartered Accountants Of India
Mumbai 05.2007 - 05.2011
Bachelor of Commerce -
R.A.Podar College Of Commerce And Economics,
Mumbai University 04.2007 - 05.2010
Skills
Business Development, New Business Acquisition, Client Retention and Key Account Management
GTM Strategy, Partnership Alliances and Product Management cum Development
Commercial Negotiation, Decision Making, P&L Management and Business Administration
Excellent Quantitative, Analytical and Problem Solving Skills
Strategic Initiatives, Planning & Implementation and Execution/Mission Oriented
Effective Relationship Building and Internal/External Communications and collaboration
Scaling up, Team Building and High Sense of Ownership
Affiliations
- Awarded the Best All-Rounder Team Award for Gujarat in 2018 at InCred Financial Services Ltd.
- Awarded the Best Student of the Year Award in Class XII.
- Achieved Green Belt in Taekwondo from Taekwon – Do Association of India (I.T.F.)
- Participated in Various Trekking, Nature Environment Camps and Blood Donation Camps.
Personal Dossier
- Languages Known - English, Hindi, Gujarati & Marwari.
- Hobbies - Reading, Travelling, Sports and Music
- Date of Birth - May 10th, 1990
- Marital Status - Married
- Father’s Name - Late. Shri. Ramesh D. Khatod
Timeline
SVP and Head - Business Development
Corpository
07.2021 - Current
VP - Product and Business Development
Corpository
10.2020 - 06.2021
Executive Education Program - Management and Finance
Indian Institute Of Management
11.2019 - 03.2020
Zonal Credit Manager - West, VP
InCred Financial Services Ltd
04.2019 - 09.2020
Regional Credit Manager - Gujarat, AVP
InCred Financial Services Ltd
04.2017 - 03.2019
Area Credit Manager
Capital Float
11.2015 - 03.2017
Credit Manager - Auto and Business Loans
ICICI Bank Limited
08.2013 - 10.2015
Assistant Manager - Corporate Finance
Torrent Power Limited
08.2011 - 08.2012
CA (Chartered Accountant) -
Institute Of Chartered Accountants Of India
05.2007 - 05.2011
Bachelor of Commerce -
R.A.Podar College Of Commerce And Economics,
04.2007 - 05.2010