YOGESH SHEGOKAR

• Conducting credit analysis for corporates in Africa region, determining credit limits and terms.

• Collaborating with teams to finalize commercial terms, ensuring optimal credit decisions.

• Implementing risk assessment strategies to mitigate credit risks and enhance profitability.

• Conducted routine credit review assessments for corporate clients, providing risk rating recommendations and optimizing commercial terms such as credit period and limits.
• Pursued outstanding payments from customers and liaised with account managers to expedite the resolution process as and when it was required.
• Executed daily credit control activities in alignment with company protocols, including releasing held orders, managing account suspensions, processing customer deductions, and maintaining proactive communication with clients.
• Prepared and reviewed daily and weekly overdue/outstanding reports to get an overview of the total receivable balance from the customer and take appropriate actions in case of delays in payments along with negotiations on the terms of payments for the overdue accounts.
• Customer master creation and updation on regular basis in SAP and MIS both.

• Improved financial resilience through expert credit analysis of US, UK, and German corporate clients, advising on creditworthiness and risk.
• Produced and assessed daily and weekly reports on overdue balances to manage receivables, implementing proactive measures to resolve delayed payments.
• Adhered to company protocols by releasing credit-held orders, addressing payment issues, and maintaining client communication.
• Made credit limit recommendations and decisions, overseeing order release beyond standard authority.
• Regularly monitored client financials, collateral, and guarantor status.
• Collaborated with Customer Administration and Global Credit Management teams to establish best practices in credit control, aligning with Order Management and stakeholder needs.

• Performed independent rating assignments for SMEs, medium, and large-scale corporates across diverse sectors, delivering comprehensive reports and justifications for assigned ratings.
• Oversaw a pilot project evaluating automobile dealers for a leading client in the Indian 4-wheeler automobile sector.
• Crafted detailed rating reports covering company profiles, key rating drivers, credit risk evaluations, and industry research to monitor sector performance.
• Employed the Three Statement Model for thorough analysis, integrating P&L statements, balance sheets, and ratio assessments including proficiency, turnover, liquidity, solvency, and projections.
• Evaluated business models, identified strengths and weaknesses, assessed risks, examined revenue models, and analyzed corporate structures.
• Supervised a team of 20 financial analysts during manager absences, ensuring streamlined workflow and top-notch outputs.

• Compiled and analyzed client-specific data pertaining to credit and investment portfolios, facilitating clients in quantifying and managing their credit and market risks effectively.
• Contributed to the preparation of training material and case studies for bank executives to enhance their understanding and proficiency in risk management practices.
• Collected and analyzed data related to the World Bank Project titled "Regulatory Review of Movable Asset Based Finance by Indian Banks and Non-Banking Finance Institutions," supporting comprehensive research efforts.

• Conducted profiling and analysis of operating and financial performance, examining profit and loss statements and balance sheets over the past three years for enterprises.
• Delivered ratings and recommendations for approval of credit lines at various levels for assigned accounts.
• Prepared comprehensive credit rating reports based on gathered information, utilized by clients for negotiating interest rates, contract renewals, and assessing creditworthiness.

• Conducting comprehensive credit analysis for corporate clients in the African region, determining credit limits and terms to optimize risk management.
• Collaborating with cross-functional teams to finalize commercial terms, ensuring informed credit decisions aligned with business objectives.
• Implementing risk assessment strategies that effectively mitigated credit risks and enhanced overall profitability.
• Monitoring and analyzing customer's payment performance, identifying early warning signs and recommending corrective actions to minimize defaults.
• Liaising with clients to gather financial information and clarify credit-related inquiries, fostering strong relationships and ensuring compliance with credit policies.