A B O U T
I am looking for a full time position in Credit Analysis / Fixed Income. I have
covered TMT sector in North America for 5+ years. After Copal Amba, I worked in a technology company and later was into my own Venture- The Digital Shark. My business was severely impacted due to Covid-19, and I would like to pursue Finance Career again.
WORK E X P E R I E N C E
C O N T A C T
Address: K-3/18, Gajamukh, Aditya
Nakoda Enclave II, Sinhgad Road,
L I N K E D I N
SEO and Google Analytics
Social media strategy
M A R K E T I N G S K I L L S
Basic understanding of HTML and
Wordpress Website Development
T E C H N I C A L S K I L L S
C R E D I T A N A L Y S I S
Balance Sheet Analysis
Cash Flow Analysis
Income Statement Analysis
F I N A N C E S K I L L S
E D U C A T I O N
MBA IN FINACE
Pune University 2008 - 2010
BACHELORS OF COMMERCE
Pune University 2005 - 2007
JUSPAY TECHNOLOGIES, BANGALORE
Customer Success June 2015- March 2016
Sales pipeline tracking. Lead Management, Sales Reporting and Analysis.
Responsible for the Customer Journey through the pre-sales, sales, delivery and continued support phases.
Performing market research and monitoring evolving trends by reference to published material, networks, trade, association events. Building relationships with business partners like Payment Gateways, Banks etc
Product management: Prepared mock ups for new product ideas Querying the database using SQL for generating reports and analysing reasons for payment failures
Taking up all sorts of tasks in a start-up
THE DIGITAL SHARK, PUNE
Founder, Freelancer June 2016 - Present
Managing Website and Social Media Profiles of various companies. Integrating Google Analytics, Search Console Code and Facebook Pixel.
Optimising Ad performance based on Facebook Pixel for Conversions Social Media and website management for NGOs, Fitness Studios and E-commerce companies.
User acquisition for various companies driven through social media campaigns- app downloads and website visits.
Sample Websites: www.yoggokul.com, www.loksadhana.org, www.thedigitalshark.in, www.ajinkyaindia.com
Making videos for social media engagement using various softwares. COPAL AMBA, BANGALORE
(MEDIA,TELECOM, TECHNOLOGY, GAMING, HEALTHCARE)
AVP Mar 2013 - Jun 2015
Conducting due diligence for a US based hedge fund portfolio (for a CLO).
Credit risk assessment and monitoring of large corporates based in US and Asia.
Discussing with analysts, management and industry experts to understand risks in investment.
Building, developing and maintaining models for a buy side hedge fund client investing mainly in high yield loans.
Covering companies mainly in TMT, Gaming and healthcare sector. Providing recommendation on credit limits, assigning risk rating, and keeping track of market updates.
BA CONTINUUM INDIA PRIVATE LIMITED, MUMBAI
(A 100% NON-BANKING SUBSIDIARY OF BANK OF AMERICA) Corporate Debt Products Analyst April 2012 - Feb 2013 Evaluating the financial performance of Bank of America’s Corporate Clients through multi variable financial analysis. Determining the key credit risks and the mitigating factors for the client and transaction being evaluated.
Responsible for the accuracy of internal risk ratings and the ongoing tracking of credit quality on quarterly and annual basis and ensuring credit limits are as per credit policy guidelines and within risk appetite. Discussing and formulating appropriate lending structures with portfolio managers for mitigating credit risk.
Performing intensive qualitative and quantitative due diligence of credit risks faced by Bank of America’s Loan Portfolios in Media and Telecom Sector which involved:
CRISIL LIMITED, PUNE
(AN INDIAN ENTERPRISE OF STANDARD AND POOR)
Credit Analyst Aug 2010 - March 2012
Performing financial statement analysis, preparing financial spreadsheets and computing key ratios such as current ratio, debt-to- equity ratio, NCA/Total debt etc. Analysis of cash flow and funds flow statement to trace the sources and uses of funds especially for funding capital expenditure plans.
Conducting management discussions with the management of the entity. Focus of the discussion was on the industry dynamics and outlook, nature of business, relationship with suppliers & customers, capital expenditure plans, financial performance and future projections. Preparing credit rating notes and presenting the same to the credit committee.
Preparing draft as well as final rating reports and keeping liaison with banker, customers and suppliers of the entity being rated. Experience of working on several companies in diverse industries like engineering, automotive components, pharmaceuticals, real estate. Experience of analysing several residential construction/township projects for potential financial exposure of Life Insurance Corporation Housing Finance Limited (LICHFL) and identification of the project and funding strengths and risks involved therein.
Rating of small and medium enterprises on the basis of their performance capability and financial strength. The key responsibilities were: