Sayali Phale

Strategic Finance Professional | IIM Kozhikode & COEP Alum | Expert in Credit Underwriting & Structured Finance

Role: Assistant Vice President at HDFC Bank
Location: Pune Division, MH, IN
LinkedIn followers: 500 followers

Finance & AccountingView LinkedIn profile

About Sayali Phale

I bridge the gap between complex corporate requirements and robust financial structures. With an engineering foundation from COEP and a General Management MBA from IIM Kozhikode, I specialize in managing the financial health of large-cap corporates Cr+ turnover).My expertise lies in deep-dive credit analysis, loan structuring, and navigating the intricacies of foreign trade and treasury. I pride myself on being a cross-functional orchestrator—aligning legal, compliance, and operations to execute seamless financial solutions. Currently looking to leverage my analytical rigor and stakeholder management skills in Corporate Finance, Strategy, or FinTech Product roles.

Experience

Assistant Vice President
HDFC Bank
May 2023 — Present · Pune, IN
Underwrote comprehensive credit proposals for a diverse portfolio of large-cap corporates (Turnover Cr), conducting deep-dive sensitivity analysis and financial modeling to assess long-term solvency and debt-servicing capabilities.• Structured complex fund-based and non-fund-based credit facilities, including Term Loans, Working Capital, and Foreign Trade instruments, tailored to the specific cash-flow cycles and operational requirements of multi-state conglomerates.• Evaluated the end-to-end financial health and risk profiles of potential borrowers, leveraging technical B.Tech and MBA insights to identify industry-specific red flags and mitigate credit risks before facility sanctioning.• Negotiated intricate loan agreements and security documentation by orchestrating alignment between corporate finance teams and internal legal/compliance stakeholders, ensuring all structures met stringent regulatory and internal risk frameworks.• Coordinated cross-functional execution strategies with Operations and Treasury teams to streamline the drawdown process for sanctioned limits, focusing on documentation hygiene and seamless post-sanction monitoring.

Education

Apte Prashala, Pune
Junior College, Science
2007 — 2009
COEP (College of Engineering, Pune)
Bachelor of Technology, Information Technology
Indian Institute of Management, Kozhikode
Master's degree, Business Administration and Management, General
2016 — 2018
COEP Technological University
Bachelor of Technology (B.Tech.), Information Technology
2009 — 2013

Skills

Wpf Development
C
Programming
Html
Microsoft Excel
Microsoft Office
Microsoft Sql Server
Leadership
Mvvm
C#
Business English
Core Java
Wcf Services
Software Development
Java
C++
Microsoft Powerpoint
Agile Methodologies
Linux
Asp.net
Management
Microsoft Word

Contact information

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Work email
•••••@hdfc.bank.in
Personal email
•••••@•••••.com
Direct dial
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Current company

HDFC Bank

Banking · 216K employees · Mumbai, Maharashtra, India

HDFC Bank is India's largest private sector bank, offering a comprehensive range of financial products and services to our customer base of over 92 million. Our extensive distribution network of 8,919 branches and 21,031 ATMs across 3,836 cities and towns as of August 2024, reaches every corner of the country, making us accessible to millions. Promoted by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank". With a single-minded focus on product leadership, customer focus and operational excellence, we have emerged as a leading player in all our business segments. We cater to individuals and businesses, offering a full range of innovative banking solutions including loans, payments, and wealth management. Our business solutions empower companies of all sizes, from MSMEs to large corporations, helping them grow with tailored banking services and financial tools. In 2023, the Bank merged with HDFC Ltd, combining our robust banking services with HDFC Ltd's legacy of leadership in housing finance. This merger enhances our ability to offer home loans and other financial services, ensuring seamless access for customers across urban and rural areas. As a socially responsible corporate citizen, we believe in banking with a purpose. Through our CSR initiative, Parivartan, we actively work to drive positive change across education, healthcare, skills training, and sustainable livelihoods impacting over 10 crore lives across the country. Our commitment to community impact is as strong as our dedication to delivering value to our stakeholders. As we expand, we continue to stay at the forefront of innovation, offering seamless digital banking experiences to enhance the lives of our customers. HDFC Bank prioritises the security of its systems and remains committed to maintaining the confidentiality of its customers' data. As a precaution

hdfc.bank.in

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About Sayali Phale

Experience

Assistant Vice President

Education

Apte Prashala, Pune

COEP (College of Engineering, Pune)

Indian Institute of Management, Kozhikode

COEP Technological University

Skills

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