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Manoj Susarla

ad0vd7@r.postjobfree.com

Residence:

*** * *** ** *** 4C

New York, NY 10003

607-***-**** (Mobile)

PROFESSIONAL EXPERIENCE 1/0 Capital, LLC, New York, NY

Consultant, Notable Finance (founded by 1/0 Capital) November 2019 – June 2020

Served as consultant for Notable Finance, an online lender of no-fee, 0% APR home improvement loans.

Created de novo proprietary underwriting model (for various loan products) to be used to assess applicants not processable by company’s API. Created features allowing for restrictions on loan balance, home location and other COVID-based parameters.

Functioned as customer service representative, liaising both with applicants and brokers from Compass (real estate brokerage firm and Notable’s partner in loan products) to explain product terms and parameters and to address questions in more complicated situations.

Managed capital raise process (investor presentation, structuring, documentation negotiation etc.) from a major Wall Street bank to fund additional growth.

Consultant, Climb Credit (founded by 1/0 Capital) July-September 2019

Served as consultant for Climb Credit, an online student lender focused on skills-based programs.

Managed design of an outcome-dependent loan product (for which repayment obligations would be based on successful procurement of meaningful employment following completion of program). Determined appropriate employment and income thresholds for triggering repayment obligation. Developed proprietary model to project cohort performance and returns to schools and Climb (both shareholders and company). Liaised with counsel to determine appropriate legal documentation of new product and to understand associated tax implications of debt forgiveness.

Worked with new school leads to explain Climb’s core product and basic economic proposition to school (i.e., increased enrollment afforded by student access to Climb financing, associated payout profile to school etc.).

Developed servicing strategy for collections on delinquent loans: forbearance vs. deferment, cadence of communication with obligor, etc.

Goldman, Sachs & Co. LLC, New York, NY 2004 – 2018 Vice President, Global Special Situations Group (GSSG), Securities Division

2013 – 2018: Started and led GSSG’s investment initiative into Latin America.

Executed $250mm in transactions across the region in fintech, consumer portfolio acquisitions, real estate, etc.

(of total groupwide investments of $900mm).

Sourced transactions for the entirety of GSSG through extensive travel throughout the region. Liaised both with GS Sales and Investment Banking to create pipeline of new transaction clients. Led structuring of transactions, working with internal and external technical, legal, tax and compliance teams. Was responsible for client management and interaction from lead generation through investment and subsequent portfolio management.

Generated, reviewed and negotiated key contractual agreements and other legal documents with clients.

Led and coordinated due diligence: managed consultants, accountants and attorneys. Functioned as primary GS representative in diligence sessions with clients.

Managed portfolio of investments and clients post-close. Developed models to track short- and long-term profit and loss and underlying KPIs (e.g., occupancy levels, customer usage, cohort growth). Monitored ongoing client satisfaction and adherence to contractual terms of key agreements.

2004 – 2018: Evaluated investment opportunities for Asset Investing Group within GSSG, a ~$30bn global proprietary investing group within GS.

Focused on all levels of capital structure including asset purchase, asset-based lending, mezzanine/convertible debt, preferred/common private equity and venture capital.

Concentration across multiple asset types including consumer finance (credit card loans, auto loans, non- performing consumer debt), commercial finance (micro-ticket leasing, aviation) and commercial real estate (debt and equity).

Developed proprietary valuation models (including asset DCF and corporate LBO valuation) to assess drivers of value and impact of assumptions on portfolio yield and loss rates, capital structure, financing terms, origination volume and operating margin on transaction risk-return profiles.

Presented investment opportunities and communicate views to GSSG and firmwide investment committees via memoranda and other analyses.

Select Transactions

Nubank: Revolving debt facility.

Provided $120mm revolving debt facility to Nubank, a Brazilian fintech credit card lender. Led valuation analyses of debt facility and underlying loan pools collateralized thereby. Negotiated structure and key legal agreements of original debt facility and subsequent upsizes, allowing the company to increase its customer base from ~800k to >3mm.

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Manoj Susarla

ad0vd7@r.postjobfree.com

Residence:

232 E 6th St Apt 4C

New York, NY 10003

607-***-**** (Mobile)

PROFESSIONAL EXPERIENCE (continued)

Comenity Bank: Prime credit card portfolio acquisition.

Acquired $450mm portfolio of prime credit cards from Comenity Bank (now Bread Financial), completing transaction in three weeks. Developed detailed DCF valuation model to determine pricing levels for portfolio. Negotiated agreements related to upfront purchase, ongoing customer management, etc. Post-close, actively worked with servicer of the portfolio and third-party marketing firms to develop market surveys and other strategies to further grow the portfolio via the implementation of de novo brand names and card logos, rewards programs, balance transfers and other stimulative initiatives.

El Cafetal: Commercial real estate development.

Acquired $35mm office park in Heredia, San Jose, Costa Rica. Led the post-close development and lease-up of two additional towers on the complex. Negotiated sale of the property to a Costa Rican REIT three years ahead of original underwriting, resulting in realized returns of 31% (cf. 16% at underwriting). NON-PROFIT EXPERIENCE Education Through Music (ETM), New York, NY

Member, Board of Directors 2013-Present

Serve on Board of Directors for non-profit organization that installs permanent music programs in public primary, middle and high schools in New York (currently serving ~18k student across 53 partner schools). Participate in quarterly board meetings to discuss strategy, performance, executive hiring needs, etc.

Chair, Programs Committee

Serve as Chair of Programs Committee, which serves as a bridge between ETM training staff (i.e., instructional supervisors responsible for the professional development of ETM teachers) and Board. Provide regular updates to Board regarding partner school growth and initiatives undertaken during COVID.

Spearheaded initiatives to better highlight ETM’s impact of music education on Social Emotional Learning

(SEL) for students. Moderated discussion with panel of experts to increase awareness of SEL impact both to broaden general awareness of ETM and expand donor base.

Member, Finance & Audit Committee

Review quarterly financials and annual audited financials and projected budget for upcoming fiscal/school year. Participate in quarterly meetings in advance of broader Board meetings.

Provide input regarding budgeting, investment of surplus funds, etc. EDUCATION University of Pennsylvania, Philadelphia, PA May 2004 Huntsman Program in International Studies and Business The Wharton School: Bachelor of Science in Economics: Concentrations in Finance and Management College of Arts and Sciences: Bachelor of Arts in International Studies (Minor in South Asia Studies) Bachelor of Arts in Mathematics

Overall GPA: 3.9/4.0 (Summa cum Laude)

Distinctions: Huntsman Program (1 in 46). Joseph Wharton Scholar (50 admitted freshmen per year). Dean’s List. Phi Beta Kappa (1 of 203 juniors to be elected for membership). Wharton Undergraduate Research Scholar. Senior Thesis: Urban Housing in India: Policy and Problems – Advisor: Dr. Susan Wachter, Dept. of Real Estate. Relevant Coursework: Fixed Income Securities, Speculative Markets, Investment Management, Security Analysis, Advanced Corporate Finance, Mathematical Statistics, Principles of Accounting. Study Abroad: St. Stephen’s College, New Delhi, India, July – December 2002. Completed coursework in Indian Economic History, Indian Philosophy, 20th-Century Indian Literature, Ordinary Differential Equations. SKILLS Language: Proficient in Hindi. Conversant in Telugu. Studied Russian (5 years) and Spanish (2 years). Computer: Experienced with MS Office (including VBA); Trello; Jotform.

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