Senior Manager
IDFC Bank Limited
Total des années d'expérience :11 years, 6 Mois
Relationship Manager- Assets (Jul ’17 - present)
Credit Analyst - SME & Business Banking (Dec’16 to Jun ’17)
Working as a Credit Analyst for Business Baking and SME clients across Manufacturing, Retail and Trading sectors
Extensive analysis of financial statements (Balance Sheet, P&L, Cash Flow, Bank Statements etc.)
Involved in extensive credit appraisal of the clients which includes understanding business model, financial analysis, financial
modeling and projections, sensitivity & scenarios analysis and analysis of industry
Participation for getting in-principle approvals, preparation of indicative term sheets, facility documentation and
disbursement & Preparation of CAM
End to end involvement with various partner teams of the Bank such as Legal & Compliance teams and ensured customer
satisfaction by closing the transactions within tight timelines
Relationship Manager - Assets & Liabilities (May’16 -Nov’16)
Worked as Relationship Manager and handled reputed business banking clients across sectors such as Manufacturing,
Retailers, Traders
Managed & deepened relationships within existing portfolio of clients along with Team Leader through core product
offerings in working capital
Acquiring New to Bank SME relationships for sales of Asset Product (Fund based & Non fund based)
Sourcing High Value Liability Accounts with potential for trade and forex revenues
Identify, analyze, sell and support cash management products and services to established business customers and targeted
prospective corporate clients
Coordinating with credit, Legal and other support functions for smooth approval and disbursal of cases.
Negotiating & liasioning with clients for pricing and credit limits
Maintaining end to end relationship with client, i.e. from sourcing to disbursement, servicing, renewal, and enhancement
after adhering to proper compliance
Ensuring full compliance procedures and processes relating to post sanction documentation / security creation of new clients
Act as a single point of contact for customer query resolution
Managing the existing loan portfolio and recommend credit facilities in line with Bank credit policy to maximize earnings
while containing risks to an acceptable level
Maximize revenue by ensuring the client has complete bouquet of other products i.e. Forex, Insurance, Home Loans, CMS
solutions, etc.
Designing & Implementation of branding and awareness program through Events, Seminar’s, and Promotions
Mapping industries and large corporates through in-depth research to understand the target segments
Product Development and customization of services using a consultative selling approach depending on Industry
requirements
Private Equity
•Analysis of Alternative Investment Fund 2012 & Portfolio Management Regulation 1993 regulation
•Analysis of Trends in Real Estate in major cities comparing data from Magicbicks.com and RBI and comparing Inflation adjusted returns from Real Estate with Other asset classes
•Analysis of Lending, NPA’s, Restructured Loans to Real Estate sector & Housing Sector
•Facilitating launch of New Fund - Apartment Fund
Orient Cement - Financial analysis and understanding the financial statements
Corporate Finance & Project Management
•Worked as a Manager for planning, controlling, commissioning & closing India’s one of the Largest CSP project (100MW) based on Compact Linear Fresnel Reflector (CLFR) technology worth INR 2100Crore
•Member of a team which successfully commissioned India’s one of the Largest PV project in a record time of only 128 days & Absorbed as an “Assistant Manager” within one year at Reliance because of “Excellent Performance”
# Financial Management # Accounting & Financial Reporting # Corporate Finance # Financial Modeling # Financial Markets & Institution # Fixed Income Securities # Portfolio Management & Analysis # Derivatives # Mergers & Acquisition # Structured Finance
1. Project Management 2. Construction Management
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