Ranjitkumar T Nandagawali

****, ******** ******, ***#***, Dallas, TX 75204 acuh1w@r.postjobfree.com 469-***-****

https://www.linkedin.com/in/ranjit-nandagawali-92a3b441

A financial, marketing and business analyst with over eight years of experience in project finance and undertakes complex assignments, deliver superior performance under tight time constraints. Possess practical knowledge in banking finance, financial markets & banking operations, marketing and business. Applies strong financial, marketing, business & administration knowledge to reduce expenditures and increase effectiveness in work.

Core competencies include: Financial Reporting, project management, financial statements, financial analysis, credit analysis, risk analysis, statistical analysis, market analysis, business analysis, client relations, planning and budgeting, marketing, operations, data analysis

EDUCATION:

Master of Arts in Economics, University at Buffalo (UB), Dec 2015

Master of Business Administration (MBA), University of Pune, India, Apr 2007

Bachelor of Engineering in Civil, S. V. National Institute of Technology Surat, India, June 2003

PROFESSIONAL EXPERIENCE:

Karuna Grossary Pvt. Ltd., Addison, TX

Cofounded this company that deals in the retail grocery items. Main contributor to take the company above one million in product sales in a period of a year.

Advisor Jun 2014 – present

Assist in acquiring new businesses and initiatives by calculating budget estimates based on predictive modeling functionality and customer rate

Advisory on formulating new international marketing strategies to existing clients

Presale to potential clients on international platform

Assess products, market potential and opportunities in foreign countries

Karuna Grossary Pvt. Ltd., Mumbai, India

Director Nov 2013 – Jun 2014

Generated initial finance to start the company

Collected and analyzed market data on potential customers and competitors to support the strategic planning decision

Prepared project report of the company for planning, budgeting, strategy and forecasting business by market research and risk analysis of market for the product growth

Prepared accruals to forecast growth & spending and developed channels among distributors and clients for generating good profit

Provided integrated marketing analytical solutions across customers and channels to improve client decision- making

Designed brochures to advertise the products which resulted in sell of the products to Rs.1,85,000 (~US$ 3100) in a day

Effectively used online marketing tool (e.g. Facebook, Google, mobile-sms, print media) to advertise the products

Price analysis across retail grocery market in Maharashtra state, India

Successfully positioned brand as “Karuna Rice” in local market and worked on the concept of free home delivery by taking orders on phone

Maintained strong relations with existing as well as new customers for regular monthly business

Conducted competitive analysis including monitoring media of competitors to communicate with partners and clients with respect to program performance and answered any performance based questions

Prepared analysis and tracking of marketplace technology and consumer demographic trends both within and across multiple agencies

Compiled and communicated client-specific online marketing program in an effort to keep them informed on performance

Skills Used:

MS Office package, data analysis online, market research, communication skills

The Cosmos Co-Op Bank Limited, Mumbai, India Apr 2008 – Feb 2013

One of the leading and fastest growing multibillion co-operative banks in India with a core focus on deposits, credits/loans, insurance.

Assistant Manager, (Worked on Finacle a core banking software)

Worked in credit/loan, operations and marketing department and prepared financial reports by incorporating existing and new reports to analyze the business trends,

Authorized to approve loans for real estate, mortgage, commercial, retail, vehicle/auto

Responsible for pre sanction documentation and analysis for loans, recommendation, post sanction compliance and post disbursement monitoring

Analyzed borrowers and guarantors personal financial statements to check repayment capability

Recommended commercial real estate loans to loan committee in adherence to banking rules and policies

Processed ad-hoc requests of the borrowers

Visited to respective customer’s premises for physical verification and reviewed Security inspections, loans and customer information before pre sanction and after post sanction

Properly executed all title work, lien recording, contracts/paperwork and ensured all deals are funded properly

Performed quality credit renewal assessment through the analysis of Debt/Equity Ratio, Profit Ratio; Calculation of Maximum Permissible Finance, working out turnover of the stocks, Debtors Limit, Creditors Limit

Conducted monthly meetings with team to review progress against project schedules and targets

Liaise between different departments of the bank and effectively processed the tasks

Strong relationship with customers, brokers, dealers to keep existing business and get new business

Prepared risk rating based on different parameters to categorized the company in A, B or C category

Began cross training individuals in the department to expand job knowledge and to establish trained backups for key department functions

Participated in the marketing of new schemes of the bank for New Accounts (Savings, Currents and Fixed Deposits) by aggressively campaigned in schools, colleges and other government offices to business with bank

In operation I was responsible to review customer documents and approve customer accounts and certificate of deposits

Prepared all worksheets and schedules for monthly audit and assisted external auditors in preparation of Audits

Complied with queries of audit report to minimize risk against approved credits/accounts

Participated in the development of business case financials and modeling and analysis regarding the commercial and financial viability of life cycle extensions

Analyzed financial and accounting statements to control the costs of lacs in operations and to save time to utilize it for improvement in operations

Prepared and reviewed all financial statements & spreadsheets and variance analysis before submission to Senior Management & operations and Finance Committees

Supported Senior Management in evaluating and identifying key items that affect the risk profile of the Commercial operations organization and in reporting risks and business impacts to the Risk Management Committee

Performed statistical analysis for Credit-Debt Ratio of the bank, Credit Appraisal and Credit Ratings for credit risk

Fluctuation analysis of applicable balance sheet and income statement accounts

Imported multiple data sources to generate consolidated reporting using MS Access, MS Excel, MS PowerPoint and other Microsoft Tools.

Created and developed reports using pre-existing MS Access and MS Excel templates from various systems and data sources

Generated monthly and quarterly reporting packages, explaining actual vs. forecast and view-to-view change analysis; proposed risks and opportunities to seniors based on results

Developed financial analysis reports and presentations by applying acquired financial principles

Created complex financial reports in Excel using reference data and mapping files from various systems

Prepared appropriate representations of quality control data such as graphs, charts, tables, statistical summaries, etc.

Skills Used: MS office package especially excel, Finacle software, Analytical ability, Finance, Marketing, operations, CRM for loans

S. K. InfoTech, Pune, India Oct 2007 – Mar 2008

Marketing Executive,

Startup company in Pune India focusing on software based voice loggers

Marketed product voice loggers to corporate clients from various sectors

Generated leads and maintained database of various businesses.

Presented product details to potential clients

Exceeded sales target by 50% in two quarters

Skills Used:

Marketing tools, communication, networking

ACADEMIC EXPERIENCE:

The Sify Broadband Ltd., Pune, India Jun 2006 – Jul 2006

Management Trainee (Market Researcher),

Performed competitive analysis of different broadband services which included costs, scheme wise differentiation, measurement of customer satisfaction level, and competition in the market

Structural Aided Design (STAAD a software), Surat, India Sep 2002 – Mar 2003

Academic Research Project,

Studied different forces coming onto the buildings, designed and analyzed various forces using STAAD software, earthquake measurement force and earthquake protection design based on study

Design of Sewage Water Treatment Plant, Surat, India Jan 2002 – June 2003

Academic Project,

Designed water treatment plant for a town with the population of 5000; collected and analyzed data from Surat Municipal Corporation

EXTRACURRICULAR ACTIVITIES

Maharashtra State (India) Government Scholarship Holder

Participated in “Ecole Solitaire” business etiquettes, Sep 2005

Actively participated in Technofest “Mind Bend” in Newsletter Committee during SVNIT,Surat, India, 2000-2001

Avid chess player

TECHNICAL SKILLS

Proficient in Excel, Word, power point, access, Finacle banking core Software,

Experience using SAS (Computational Econometrics)

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