Experienced, detail oriented banking professional with a penchant for performing financial statements analyses, quantitative and qualitative assessment of credit worthiness, and ability to unambiguously communicate key findings to management

Education Qualification

U.C. Berkeley Extension

Berkeley, CA

Certificate Program in Financial Planning and Analysis

(August 2015)

International Management Institute (IMI)

New Delhi, India

Master of Business Administration (Finance and Marketing)

(May 2009)

The Indian Law Institute

New Delhi, India

Post Graduate Diploma in International Trade Law

(April 2007)

Miranda House, University of Delhi

New Delhi, India

Bachelor of Arts (Honors) in Economics

(June 2006)

Work Experience

Credit Analyst, IndusInd Bank Limited (NSE: INDUSINDBK)

New Delhi, India

Supply Chain Finance, Commercial Banking Group

(Feb. 2012 – Nov. 2013)

Developed comprehensive proposal notes of up to USD 2 million for approval from credit sanctioning committee

Produced qualitative financial review for Channel Finance funding to dealers of large corporate within the Automotive and Electrical segment

Prepared credit notes based on specific program criteria including analysis of financial statement spreading, tax returns, and financial projections to make recommendations of client's credit situation

Examined requests for renewal, enhancement and sanction of new credit facility referred within stipulated turnaround time

Generated additional revenue stream from existing Clients through cross-sell of products like Cash Credit, Loan Against Property and Term Loans

Supported special projects and reporting tasks including compliance tracking, portfolio analyses and budget forecasts

Manager, Foundation for MSME (Micro, Small and Medium Enterprises) Clusters

New Delhi, India

Project Support and Research Coordination

(Jan. 2011 – Feb. 2012)

Prepared case studies, project proposals and documentation to build on work of strategy and policy advocacy for MSME development done by the foundation

Co-authored paper titled “Financing Micro Enterprise Clusters – Challenges, Opportunities and Way Ahead", published and presented at the National Seminar organized by Bankers Institute of Rural Development, India

Supported Project Management Division of Small Industries Development Bank of India (SIDBI) on implementation of Business Development Services (BDS)

Assisted in preparation of 30 Diagnostic Study Reports and Action Plans for clusters' economic development projects

Contributed to study for market assessment of BDS in the area of Business Responsibility by MSMEs for Deutsche Gesellschaft für Internationale Zusammenarbeit(GIZ)

Relationship Manager, HDFC Bank Limited (NSE: HDFCBANK)

New Delhi, India

Corporate Banking

(Jun. 2009 – Dec. 2010)

Originated and managed relationships with large Public Sector Units for selling complete suite of wholesale banking products

Handled existing and target corporate clients as a primary officer for a portfolio of business, both self-generated and assigned by supervisor

Prepared credit reports and made recommendations to appropriate lending authority. Reports were prepared after analyzing annual reports, external rating rationales and client clarifications

Prepared quarterly internal audit reports for the portfolio to ensure compliance with regulatory guidelines

Liaised with Credit / Legal / Audit / Operations departments for client servicing

Internships

Securities and Exchange Board of India (SEBI)

New Delhi, India

(Nov. 2008 – Dec. 2008)

Conducted secondary research on prevalence and expansion of Sovereign Wealth Funds. Research included objectives, benefits and risks, class, and investment strategy along with analyses of whether India should establish a similar fund

HSBC Securities and Capital Markets (India) Pvt. Ltd.

New Delhi, India

(Apr. 2008 – Jun. 2008)

Developed a financial model for a power plant established by Lanco Infratech Limited. Utilized project details disclosed in the red herring prospectus, and by accessing, tabulating and analyzing data through Bloomberg Terminal, secondary research reports, and online resources like Factiva

Standard Chartered Mutual Fund

New Delhi, India

(Jul. 2006)

Assisted in marketing of Systematic Investment Plans through branch banking

Extra-Curricular Activities

IMI

Founder and Secretary of “EconIMI”, the Business Economics Club at IMI

Convener of the Annual Economics Conference 2009

Member of the Editorial Board for the annual magazine by EconIMI,

Article published in the Annual Magazine of Narsee Monjee Institute of Management Studies, Mumbai, India

Miranda House, Delhi University

Participated in Zenith 2003, Zenith 2004 (Economics Society Annual Festival)

Carmel Convent School

Captain School Lawn Tennis Team: Year 2000 – 2002

Participated at Zonal Level in the Inter-School Competitive Sports Program in Lawn Tennis, Year 2000 and Year 2001

National Museum Institute of History of Art, Conservation and Museology

Certificate program on History of Art Appreciation, 2003

Interests / Hobbies

Water Painting, Ikebana, Tennis and Cats

Other Details

Languages: English, Hindi & Punjabi

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