Aayush Kashyap

About Aayush Kashyap

o Orchestrated the management of a diverse Credit Portfolio, encompassing Working Capital Finance, Trade Finance, Term Loan Finance, and Project Finance, for major Corporate clients; achieved a 20% increase in portfolio profitability through strategic risk assessment and tailored financing solutions. o Led the development and management of a diverse portfolio of Real Estate, Steel Industry, Education, and Healthcare corporate clients, providing strategic advice on funding strategies and product selection, resulting in significant optimization of the Bank\'s ROI. o Demonstrated expertise in originating deals, meticulously structuring tailored financial solutions, obtaining credit approvals, and executing strategies for corporate clients, ensuring seamless implementation and delivering optimal outcomes o Demonstrated adaptability in catering to the financial needs of diverse clients, ranging from Extreme Rural and Naxal-affected regions to Affluent Corporate across various economic backgrounds such as Agriculture, SMEs, Retail, and Corporate. o Evaluated the credit and risk profile of companies, skillfully structuring tailored financial solutions, including structured finance, project finance, and off-balance sheet finance, to meet clients\' unique requirements. o Conducted comprehensive Pre-Sanction Credit assessments, analyzing business models, client needs, management capabilities, economic research, market strength, and detailed creditworthiness evaluation. o Proactively contributed to Business Development and delivered compelling sales pitches, significantly enhancing the portfolio and fostering strong client relationships. o Proficiently assessed credit risk and rated proposals based on the Bank\'s internal guidelines and risk profiling criteria. o Executed various Payments and Settlements processes like NEFT, RTGS, UPI, etc, ensuring efficient financial transactions for clients. o Responsibly handled EXIM Bills, Line of Credit, and Bank Guarantees, ensuring smooth and compliant operations. o Earned expedited promotion to Manager of Scale 3 branch after one year as Manager of Scale 2 branch (earned by less than 1% of cohort)

Experience

1. Manager

   Indian Bank

   Oct 2017 — Present · IN

   Handling Credit Portfolio (Working Capital Finance, Trade Finance, Term Loan Finance and Project Finance) of major Large Corporate.\\\\n• Undertaking the Pre-Sanction Credit process viz. understanding the business model, client requirements, management capabilities, economic research and market strength of the business of the clients along with evaluating clients’ credit worthiness in detail.\\\\n• Financial analysis of the company, preparation of CMA, relationship profitability, key risks identification and mitigants for the same and peer analysis.\\\\n• Business Development, sales pitch for enhancing the portfolio.\\\\n• Credit rating of the proposals on the basis of Bank’s internal guidelines and risk profiling.\\\\n• Budgeting, planning and preparation of financial metrics.\\\\n• Regulatory compliance and reporting.\\\\n• Preparation of credit appraisal notes for sanction of the credit facilities to the clients as per Bank approved guidelines in accordance to RBI policy.\\\\n• Ensuring conversion of sanctions, proper documentation, disbursement & utilization of facilities.\\\\n• Diligent Post-Sanction monitoring for conduct, timely payments and covenants compliance along with conducting plant visit and attending consortium meetings.\\\\n• Responsible for deal origination, structuring, obtaining credit approvals and implementation of financial solutions for a portfolio of clients spanning the large corporate houses.\\\\n• Evaluating credit/risk profile of companies and structuring suitable financial solutions for them including structured finance, project finance, off-balance sheet finance etc.\\\\n• Focus on offering financial solutions for their cash management, trade financing, & other advisory services.\\\\n• Cross-selling products of the bank including - treasury solutions, liabilities, knowledge banking etc.\\\\n• Monitoring the performance of the account client (financial performance etc.) on a regular basis.\\\\n \\\\n\\\\n \\\\n \\\\n\\\\n \\\\n

Education

• Central Board of Secondary Education

  Senior Secondary, Science

• West Bengal University of Technology, Kolkata

  Bachelor of Technology - BTech, Information Technology

• Indian Institute of Management, Calcutta

  Master of Business Administration - MBA