Piyush Kumar

Experience

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  Hedge Equities

  Apr 2015 - May 2015

  Summer Internship

  Worked as an equity researcher and handled project title "Fundamental analysis of a selected stock in capital goods industry". Tackled briefly analyse of the Indian Capital Goods Industry and its sub sectors and work on BHEL for Fundamental Analysis. Considered DCF model for the valuation of BHEL. Equally involved in giving recommendations from analysis and contributed to the organization in getting the suitable call about BHEL in terms of their new equity portfolio management.

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  Indiabulls Housing Finance Ltd

  Jun 2016 - Jan 2020

  After having a brief understanding of retail mortgage product LAP and Home Loan, have moved into high ticket size loans ranging from 1cr to 10cr for the Kolkata region.1. Analyzing the basic financial health of borrower with regard to operating Industry, creditworthiness and understanding the Legality and Technicality of the mortgaged property 2. Conduct Personal meetings with borrowers to understand its business model, Financial Position and checking market feedback through its stakeholders3. Preparing Credit Appraisal reports to recommend a lending decision to a higher authority on the basis of different verification, financial analysis and personal Discussion with the borrower4. Looking after the Branch portfolio by coordinating with various departments like Sales, Operations, Legal, Technical and different agencies in all stages from Login to Post Disbursement Show less

  • Branch Credit Manager

    Jun 2017 - Jan 2020

  • Management Trainee

    Jun 2016 - May 2017
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  Kotak Mahindra Bank

  Feb 2020 - Nov 2021

  Credit Manager

  1). Sanctioning of the Credit Facilities to the SME Clientele across the Bangalore Region.2). Interaction with the client and Site Visit to understand the nature of the business, the procurement process for the raw materials, it's processing, the final products and services it delivers, its market, and the research on the key sector it works in.3). Preparation of the Financial Analytical Tool (FAT’s) for the applied Financing Facility. Analysis of Financial Statements (Balance Sheet Analysis, Profit and Loss Analysis, Ratio Analysis, Cash Flow Analysis) of the captioned deals, taking the calls on the limits to be sanctioned to the borrower keeping in mind the internal credit policies of the company and the risk-appetite of the borrower.4). Co-ordination with the higher authority for the timely approval of the FATs to ensure TAT so as to ensure the timely disbursements to the customers.5). Working closely on multiple MIS to keep a track on the business done report, delinquency handling, and compliance solving team Show less

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  ICICI Bank

  Dec 2021 - now

  Senior Credit Manager