Working capital LAP BL EQF Business development Audit Credit Chartered
Resume:
CA Shobhit Sinha
Flat No ***, Mount Kailash Apartments
Tower 3, East of Kailash, New Delhi
Mob: 813*******
Email: **.************@*****.***
Chartered Accountant with over 12 years of post-qualification experience in Banking and Financial Institutions
PROFESSIONAL PROFILE
Over 12 years of post-qualification experience in various verticals of SME Lending- Business Development, Relationship Management, Credit Analysis, Internal Audit & Compliance.
Currently designated as Location Head-Sales Delhi NCR with Entrepreneurs Loan at Edelweiss SME Lending, ECL Finance Ltd. New Delhi.
Experience in sales/business development/portfolio handling and deepening, cross selling of products
Experience in handling independent audit assignments of banks, statutory audit and other organizations.
Hands-on experience in planning, execution and supervision of Risk Based internal audit assignments.
WORK EXPERIENCE
• Present Employment : Since Feb 2018
• Organization : ECL Finance Ltd. (Edelweiss SME Lending)
• Designation : Location Head- Delhi NCR – Entrepreneurs Loans
Currently working as Location Head Delhi NCR, Entrepreneurs Loans with SME Lending Dept. of ECL Finance Ltd. New Delhi.
Managing a team of Sales Managers with business development as key responsibility.
Our Team is responsible for sourcing new clients from open market for LAP product with exposure upto INR 25 Crores, Equipment Finance upto INR 5.00 Crores and Unsecured Loan upto INR 50.00 lakhs.
Deepening and portfolio management of existing portfolio relationships
Liaison with various internal and external stakeholders which involves close interactions with risk department, legal and compliance teams, Operations team, channel partners etc
Review of team’s performance
Team management, training, motivation and improvement of team’s productivity
• Previous Employment : Since Feb 2016 to Jan 2018
• Organization : Yes Bank Ltd.
• Designation : Relationship leader Business Banking
Worked as Relationship leader – with Business banking dept Yes bank Ltd. New Delhi. Sourcing and appraisal of credit proposals for new client & existing SME relationship leader.
Conducting credit analysis entailing detailed technical, financial, business & industry analysis; assessment of Term Loan & Net Working Capital requirements (Fund based: Cash Credit, Bill Discounting, Buyers Credit etc. Non-Fund based limits: Letters of Credit or Bank Guarantees).
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Handling a team of 5 sales staffs and 1 CPA.
Cross-selling of banking products to existing customers.
Previous Employment : Since March, 2009 to Jan 2016
• Organization : Axis Bank Ltd.
• Designation : Manager SME (Since August, 2011 to Jan 2016)
Conducting credit analysis entailing detailed technical, financial, business & industry analysis; assessment of Term Loan & Working Capital requirements (Fund based: Cash Credit, Bill Discounting, Buyers Credit etc.; Non-Fund based: Letters of Credit or Bank Guarantees).
Overseeing comprehensive study of the credit worthiness during the process of sanctioning credit/ loan to corporate / individual.
Responsible for portfolio growth, health and delivery of revenue targets.
Responsible for review/renewal of facilities sanctioned to existing SME customer base, recommending credit facilities for New to Bank customers, ensuring timely sanction and disbursement of sanctioned limits
Regular visits to customer’s establishment for deepening of relationships and monitoring of accounts for early warning signals and remedial actions.
Fulfillment of internal and regulatory compliances
Cross-selling of banking products to existing customers.
Previous Employment : Since March, 2009
• Organization : Axis Bank Ltd.
• Designation : Manager Internal Audit (March 2009 to August 2011)
Northern Zone Internal Audit Dept. at New Delhi as manager. Managing/ supervising team of four staff handling branches under respective North Zone circles. (Presently more than 300 branches in the Zone).
Review and scrutinize the following types of audit reports: - (a) internal audit report (b) concurrent audit report (c) system and procedure audit.
Doing post closure follow up of irregularities with the Branches/ Compliance Department for Closure of Audit Report.
Monitoring the status of following audits from commencement of audit till closure of report and other related matters in north zone.
Previous Employment : 18 months experience from Sep 2007 to March 2009
• Organization : IndusInd Bank Ltd.
• Designation : Deputy Manager –Inspection and Audit Worked with Internal Audit department entrusted with the task of audit of various bank branches and vehicle finance branches situated across the northern India on independent basis under reporting to Regional Auditor, North. Type of Audit Assignments handled at Indusind Bank: -
• Bank Branch Audit
• Loan Review Exercise
• Remote Scrutiny Audit
• Staff Accountability Study
• Fraud Investigation
Previous Employment : 5 years experience from July 2002 to Aug 2007
• Concern : R G S & Associates
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• Designation : Assistant Manager (Audit)
• Exposure in statutory audit with S.B.I. & B.O.B.
• Internal audit of Central Bank
• Project financing & budgeting
• Review of Accounts & Tax audit
• Preparation of financial statements for corporate and non-corporate assesses
• Finalizing tax audits of corporate and non-corporate assesses. Statutory audit of corporate assesses
Article ship
• July 1999 to June 2002: Girish Pandey & Associates, Varanasi Professional Qualifications
• CA. Final passed in Nov 2006 both groups with 55. 37%.
• Secured 1st rank at Varanasi center in CA. Final Exam.
• CA. Intermediate 2nd group Passed In May 2005 with 58%
• CA. Intermediate 1st group Passed In May 2004 with 50%
• JAIIB in Nov-09 from Indian Institute of Banking and Finance.
• CAIIB in Nov-11 from Indian Institute of Banking and Finance.
• MBA (Finance) from SCDL Pune Jan 2011(Distance).
• Certification of Internal auditor ISO 9001:2008 from M/s Det Norkse Veritas.
• IRDA Certified Dec 2017
Educational Qualifications
• B.Com (Hons.) : Passed in 1999 in First Division from faculty of commerce Banaras Hindu University, Varanasi.
• Intermediate : Passed in 1996 in First Division from Queens College Varanasi of U.P. Board with Math’s group.
• High School : Passed in 1994 in first division from Queens College Varanasi of U.P. Board with Science group.
Computer Proficiency
• O/S : Windows
• Packages : MS Office & Tally
• Software : Finacle, Flexcube & Kaleidoscope
Extracurricular Activities and Hobbies
• Participated in debates and State Science Seminar organized by National Science center.
• Took part in team events such as scouting, Red Cross, outdoor games etc. Personal Details
• Father : Late Sh. J. N. Sinha
• Date of Birth : November 16, 1979
• Passport : Indian passport
• Marital Status : Married
Date:
Place: (CA. Shobhit Sinha)
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