Associate Vice President, Credit Analytics

• Apr 2023 - Present

Credit underwriting and monitoring of business and commercial real estate (CRE) loans across industries and facility for UK SME markets Preparing detailed financial models and credit reports evaluating the credit worthiness of the corporates by analyzing financial statements/ratios, key strengths, risk and mitigants, business performance, management, peers, industry and macroeconomic trends Building valuation models including DCF, comps-based property valuation, gross development… Show more Credit underwriting and monitoring of business and commercial real estate (CRE) loans across industries and facility for UK SME markets Preparing detailed financial models and credit reports evaluating the credit worthiness of the corporates by analyzing financial statements/ratios, key strengths, risk and mitigants, business performance, management, peers, industry and macroeconomic trends Building valuation models including DCF, comps-based property valuation, gross development value, construction estimates, and residual value analysis, as applicable to estimate market value for financing purposes including a variety of properties like office, retail, industrial, PBSA, mixed-use, special-use, hotel etc. Conducting sensitivity and scenario analysis for stress testing the loans for serviceability and recommending covenants Conducting market analysis (vacancy rate, yields, rental growth, demand-supply scenario etc.) to understand impact on external factors on property valuation and loan serviceability. Creating industry dashboards to act as reference point for loans in particular sub-sectors. Regularly engaging with Borrowers, Debt Finance Directors (RMs), Credit Risk Directors, Legal during deal structuring and underwriting from loan origination to disbursal

Senior Associate

• Apr 2022 - Apr 2023

Associate

• Mar 2020 - Mar 2022

Consultant

• Jan 2019 - Mar 2020

Project lead for assignment related to Business Location Analysis, Portfolio Optimization, Product Positioning & Market Strategy, Bid Advisory, Development Feasibility & Techno-economic viability Assisting clients in terms of business development, market research, financial planning, development feasibility for projects & integrated development Building financial model for different asset classes – Residential, Commercial, Industry/Warehouse to recommend investment/development decision… Show more Project lead for assignment related to Business Location Analysis, Portfolio Optimization, Product Positioning & Market Strategy, Bid Advisory, Development Feasibility & Techno-economic viability Assisting clients in terms of business development, market research, financial planning, development feasibility for projects & integrated development Building financial model for different asset classes – Residential, Commercial, Industry/Warehouse to recommend investment/development decision for clients Assist in nurturing relationships with domestic & international client base Show less Project lead for assignment related to Business Location Analysis, Portfolio Optimization, Product Positioning & Market Strategy, Bid Advisory, Development Feasibility & Techno-economic viability Assisting clients in terms of business development, market research, financial planning, development feasibility for projects & integrated development Building financial model for different asset classes – Residential, Commercial, Industry/Warehouse to recommend investment/development decision… Show more Project lead for assignment related to Business Location Analysis, Portfolio Optimization, Product Positioning & Market Strategy, Bid Advisory, Development Feasibility & Techno-economic viability Assisting clients in terms of business development, market research, financial planning, development feasibility for projects & integrated development Building financial model for different asset classes – Residential, Commercial, Industry/Warehouse to recommend investment/development decision for clients Assist in nurturing relationships with domestic & international client base Show less

Private Equity Analyst

• May 2018 - Dec 2018

Evaluated real estate investment opportunities in sale leaseback with focus on REIT/InvIT listings, valuation analysis, financial analysis models Worked on executing investments in K-12 educational infrastructure & commercial real estate Worked on strategy which are collateral with fund raising, investment themes, new avenues etc Developed investment note/decks for debt proposals & attaining financial closure Sourced deals from consultants, IBs, IPCs – detailing information for… Show more Evaluated real estate investment opportunities in sale leaseback with focus on REIT/InvIT listings, valuation analysis, financial analysis models Worked on executing investments in K-12 educational infrastructure & commercial real estate Worked on strategy which are collateral with fund raising, investment themes, new avenues etc Developed investment note/decks for debt proposals & attaining financial closure Sourced deals from consultants, IBs, IPCs – detailing information for preliminary diligence & decision making Involved in due diligence procedures, legal documentation, various execution procedures over investment life cycle Drafting term sheets, MoU etc. for offer proposals Show less Evaluated real estate investment opportunities in sale leaseback with focus on REIT/InvIT listings, valuation analysis, financial analysis models Worked on executing investments in K-12 educational infrastructure & commercial real estate Worked on strategy which are collateral with fund raising, investment themes, new avenues etc Developed investment note/decks for debt proposals & attaining financial closure Sourced deals from consultants, IBs, IPCs – detailing information for… Show more Evaluated real estate investment opportunities in sale leaseback with focus on REIT/InvIT listings, valuation analysis, financial analysis models Worked on executing investments in K-12 educational infrastructure & commercial real estate Worked on strategy which are collateral with fund raising, investment themes, new avenues etc Developed investment note/decks for debt proposals & attaining financial closure Sourced deals from consultants, IBs, IPCs – detailing information for preliminary diligence & decision making Involved in due diligence procedures, legal documentation, various execution procedures over investment life cycle Drafting term sheets, MoU etc. for offer proposals Show less

Lead Analyst - FP&A

• Apr 2017 - Feb 2018

Worked in USI Legal business in Financial Planning & Analysis domain fo providing in-depth analysis for different revenue and cost heads Determined financial objectives, designing & implementing systems, policies & procedures to facilitate internal financial control Analyzed major revenue contributing products, revenue trends, customer usage and respective sectors Variance Analysis and Provide timely explanations of variances between actual results and forecasts/budget Headcount… Show more Worked in USI Legal business in Financial Planning & Analysis domain fo providing in-depth analysis for different revenue and cost heads Determined financial objectives, designing & implementing systems, policies & procedures to facilitate internal financial control Analyzed major revenue contributing products, revenue trends, customer usage and respective sectors Variance Analysis and Provide timely explanations of variances between actual results and forecasts/budget Headcount and headcount driven expense analysis at cost center level Supported Global BU and Finance leads with planning/Forecasting monthly close Prepared management decks as per the request Show less Worked in USI Legal business in Financial Planning & Analysis domain fo providing in-depth analysis for different revenue and cost heads Determined financial objectives, designing & implementing systems, policies & procedures to facilitate internal financial control Analyzed major revenue contributing products, revenue trends, customer usage and respective sectors Variance Analysis and Provide timely explanations of variances between actual results and forecasts/budget Headcount… Show more Worked in USI Legal business in Financial Planning & Analysis domain fo providing in-depth analysis for different revenue and cost heads Determined financial objectives, designing & implementing systems, policies & procedures to facilitate internal financial control Analyzed major revenue contributing products, revenue trends, customer usage and respective sectors Variance Analysis and Provide timely explanations of variances between actual results and forecasts/budget Headcount and headcount driven expense analysis at cost center level Supported Global BU and Finance leads with planning/Forecasting monthly close Prepared management decks as per the request Show less

Summer Intern

• Apr 2016 - Jun 2016

Successfully completed projects on “Introduction of Money Market Futures” and “Hedging behaviour of Corporates” in Financial Markets Regulation Department & Financial Market Operation Department respectively. The objective of the first project was to design contract specification for the interest rates futures on an appropriate money market rate in terms of choice of underlying, contract size, market participants, position limits etc. after consultations with various market… Show more Successfully completed projects on “Introduction of Money Market Futures” and “Hedging behaviour of Corporates” in Financial Markets Regulation Department & Financial Market Operation Department respectively. The objective of the first project was to design contract specification for the interest rates futures on an appropriate money market rate in terms of choice of underlying, contract size, market participants, position limits etc. after consultations with various market participants. The second project objective was to study the various hedging instruments that are available to Indian corporates, knowing the attitudes, perceptions and concerns of corporates while implementing hedging mechanism and how Indian corporates are implementing hedging mechanism through different currency derivatives. Show less Successfully completed projects on “Introduction of Money Market Futures” and “Hedging behaviour of Corporates” in Financial Markets Regulation Department & Financial Market Operation Department respectively. The objective of the first project was to design contract specification for the interest rates futures on an appropriate money market rate in terms of choice of underlying, contract size, market participants, position limits etc. after consultations with various market… Show more Successfully completed projects on “Introduction of Money Market Futures” and “Hedging behaviour of Corporates” in Financial Markets Regulation Department & Financial Market Operation Department respectively. The objective of the first project was to design contract specification for the interest rates futures on an appropriate money market rate in terms of choice of underlying, contract size, market participants, position limits etc. after consultations with various market participants. The second project objective was to study the various hedging instruments that are available to Indian corporates, knowing the attitudes, perceptions and concerns of corporates while implementing hedging mechanism and how Indian corporates are implementing hedging mechanism through different currency derivatives. Show less

Associate

• Feb 2013 - Oct 2014

- Advised clients on their specific queries pertaining to double tax avoidance agreements between India and other countries including analysis of treaty residency and claim of short stay exemption. - Review of expatriate employee’s contract from an IT perspective and suggesting appropriate amendments where required. - Advising clients in respect of the IT laws and provisions along with from an immigration and social security perspective. Regular Compliance -… Show more - Advised clients on their specific queries pertaining to double tax avoidance agreements between India and other countries including analysis of treaty residency and claim of short stay exemption. - Review of expatriate employee’s contract from an IT perspective and suggesting appropriate amendments where required. - Advising clients in respect of the IT laws and provisions along with from an immigration and social security perspective. Regular Compliance - Preparation of withholding tax computations - Analysis of payroll data and salary components and their taxability keeping in view the foreign tax credit that shall be availed and grossing up factor in cases where the employee is tax equalised. - Preparation of advance tax and hypo tax calculations - Filing of income tax returns for expatriate employees and quarterly withholding tax returns for companies and employees Representation before the tax Authorities - Assisted my seniors in preparing appeals and submissions and represented the clients before the tax authorities​ - Utilised interpersonal skills to deal with tax office staff and government at all levels Show less - Advised clients on their specific queries pertaining to double tax avoidance agreements between India and other countries including analysis of treaty residency and claim of short stay exemption. - Review of expatriate employee’s contract from an IT perspective and suggesting appropriate amendments where required. - Advising clients in respect of the IT laws and provisions along with from an immigration and social security perspective. Regular Compliance -… Show more - Advised clients on their specific queries pertaining to double tax avoidance agreements between India and other countries including analysis of treaty residency and claim of short stay exemption. - Review of expatriate employee’s contract from an IT perspective and suggesting appropriate amendments where required. - Advising clients in respect of the IT laws and provisions along with from an immigration and social security perspective. Regular Compliance - Preparation of withholding tax computations - Analysis of payroll data and salary components and their taxability keeping in view the foreign tax credit that shall be availed and grossing up factor in cases where the employee is tax equalised. - Preparation of advance tax and hypo tax calculations - Filing of income tax returns for expatriate employees and quarterly withholding tax returns for companies and employees Representation before the tax Authorities - Assisted my seniors in preparing appeals and submissions and represented the clients before the tax authorities​ - Utilised interpersonal skills to deal with tax office staff and government at all levels Show less