Saurabh Pandey

Experience

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  SIDBI(Small Industries Development Bank of India)

  Jun 2009 - Mar 2011

  Assistant Manager

  -Generating queries/ checklist of documents/ information required from the branch offices and customers. -Recommending sanction/ reduction/ renewal/ rejection/ settlement/ condition modifications etc by preparation of detailed appraisal report incorporating management, technical, financial & economic appraisal and sanction conditions to be submitted to credit committee and to credit and settlement committee. -Working on multiple worksheets for financial analysis and projections used for variety of products like term loans, working capital limit, risk capital, receivables finance etc. -Conducting internal risk rating comprising of company and project rating on factors of business risk, management risk, financial risk, industry risk, construction risk and funding risk on “Risk Assessment Module” developed by CRISIL.-Using CMIE database, CIBIL, Caution Advices, Defaulters List etc.-Acted as the convener of the Credit Committee. Presented credit proposals in credit committees, acted as a link between branch office/ customer & committee. -Coordinating and monitoring the status of various credit proposals along with branch offices to ensure compliance with set time lines and reporting status and performance of the department to the zonal in-charge and other head office departments. Show less

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  WNS

  Dec 2011 - Dec 2012

  Analyst, Corporate and Investment Banking, BFS Vertical

  - Detailed financial statement spreading involving balance sheet, income statement and cash flow statement analysis for public and private companies on risk analytics tool. - Annual company review reports for the purpose of renewal/ review of bank assistance involving industry analysis, capitalization structure analysis, asset coverage estimation, reviewing sources of repayment, borrower description/ updates for corporates in sectors like consumer/food/retail, healthcare, general diversified, financial services, media and energy. - Industry sector overview reports. - Corporate and Investment Banking projection modeling for base case scenarios involving detailed historical financial statement analysis and future projections. - Preparation Commodity curves, Comp charts and Liquidity analysis. - Worked on adhoc projects involving development of appraisal report format and projection model for small and medium enterprises for the purpose of credit assessment. - Use of databases like Bloomberg, CapitalIQ, SNL Financial and ThomsonOne. Show less

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  CareEdge Group

  Dec 2012 - Jul 2014

  Analyst, Credit Ratings, Large & Medium Enterprises Group

  - Fund based and non-fund based bank loan ratings.- Content development for publications/ media coverage on behalf of the ratings team at CARE on the telecom and sugar industry in India.- Sectors covered: Textile, Fertilizer, Publication, Sugar, Telecom, Power generation, Pharmaceutical, Trading.- Key responsibilities: Ensuring adherence to timelines, Compliance with regulatory requirements and internal policies, Multiple stakeholder management, Site visits and customer meetings, Decision making with regards to rating recommendations, Support implementation and testing of new systems and creation of custom content for clients. Show less

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  The Bank of Tokyo-Mitsubishi UFJ Ltd

  Jul 2014 - Oct 2017

  - Credit appraisal and risk rating of small, medium and large corporates.- Products handled: Term Loan, ECBs, Working Capital Demand Loans, Letter of Credit, Bank Guarantee, Buyers Credit, Export Finance, Derivative Products (Forex forward, Options, Currency Swaps, Interest Swaps).- Sectors covered: Steel, Auto-components, Commercial vehicles, Construction machinery, Tyres, Consumer durables and office automation, Light & Heavy Engineering, Telecom, FMCG, NBFCs, Power/ Energy.- Key responsibilities: Ensuring adherence to regulatory guidelines and internal policies, Ensuring delivery within set timelines, Coordinating and communicating with various stakeholders, Customer meetings and site visits, Support implementation of new policies/ systems, Knowledge sharing, Support decision making. Show less

  • Assistant Manager, Credit Analysis Department

    Jun 2017 - Oct 2017

  • Senior Associate, Credit Analysis Department

    Jul 2014 - May 2017
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  RBS

  Nov 2017 - now

  Quality assurance of Corporate ratings/ gradings Internal Audit function- Testing financial and non-financial inputs used for Probablity of Default and Loss Given Default estimation in various Wholesale Credit Models viz. Large Corporate, Mid-Large Corporate, Risk Rating (SMEs), Property, Housing Association and Banks. Quality assurance of Corporate ratings/ gradings Internal Audit function- Testing financial and non-financial inputs used for Probablity of Default and Loss Given Default estimation in various Wholesale Credit Models viz. Large Corporate, Mid-Large Corporate, Risk Rating (SMEs), Property, Housing Association and Banks.

  • Associate Vice President, Credit Quality Assurance

    Jun 2020 - now

  • Senior Associate, Credit Quality Assurance

    Nov 2017 - Jun 2020