Chintan Soni

Experience

• 

  ECOFIN Research Services

  Dec 2007 - Feb 2010

  Research Analyst

  o Preparation of Investment Research Reports on various Companies & Industries from the ‘Middle East & North African Region’ o Undertake Financial Statement Analysis & present the same in the form of an analytical report o To prepare comprehensive write-up for various contents of Feasibility Studies, Market Study & Business Plan o To perform quality check of the projects & communicating regularly with clients giving them timely updates on their projects, receiving feedbacks & deliver after making required changes Show less

• 

  SNL Financial India Pvt. Ltd.

  Mar 2010 - Oct 2010

  Financial Analyst

  o Responsible for accurate, complete & timely collection of relevant data published in SNL products for the information tracked by the capital market departmento Responsible for capturing comprehensive information & day-to-day maintenance of the same tracked by the capital market departmento To review feedback involving content to help correct errors & establish or refine procedures & processes to improve accuracy

• 

  CARE Ratings Ltd.

  Nov 2010 - Aug 2018

  o Analysis of various fund based and non fund based bank facilities (such as term loan, working capital loans, bank guarantee and letter of credit) availed by corporate clientso Deploying suitable analytical techniques for identification of credit risk at Business, Management, Industry, Financial & Project level for judging & forecasting the performance of the business entity o Analysis of various financial statements such as Balance Sheet, Profit and Loss A/c, Fund Flow Statement, Cash Flow Statement and Notes to Accounts, prepare CMA data and consequent risk assessment reports o Identify present and probable risk factors, analyzing their effect on debt servicing ability of the entity & finally propose rating to committee memberso Undertaking regular due diligence exercise primarily towards debt servicing, market enquiry, industry study, economic viability of business activity and independent enquiry on promoter’s integrity o Undertake site visit & management discussionso Leading a team of Analysts, training and guiding them for executing credit rating assignments within specified timelines Show less

  • Manager (Corporate Ratings)

    Apr 2017 - Aug 2018

  • Dy. Manager (Corporate Ratings)

    Oct 2015 - Mar 2017

  • Analyst - Team Leader (Corporate Ratings)

    Apr 2013 - Sept 2015

  • Jr. Analyst (Corporate Ratings)

    Nov 2010 - Mar 2013
• 

  RBL Bank

  Aug 2018 - Dec 2021

  o To assess Credit Risk associated with the corporate clients and ensuring high quality of the Portfolio via effective role in preparing, proposing and monitoring (post approval) activities of Credit Appraisal Process o To prepare independent Credit Appraisal Notes of corporate clients using both quantitative and qualitative factors with focus on overall economy, business, financial, industry, cash flow analysis, due diligence and assign internal rating and credit facilities o Interacting with promoters, senior management, other bankers and carry out site visit on periodic basis for continuous monitoring of emerging developments in the assigned portfolioo Keeping track of relevant company specific updates and changes in regulatory environment to ascertain their individual and collective impact on credit profile of the borrowers o Ensure timely renewal of cases and liaise with clients, internal business, risk and legal team for getting it cleared smoothly o Closely work with business team from the origination and play a vital role by adding good value from a credit and policy perspective o Work as a team with the business on a specified portfolio and facilitate growth in Asset Book and Revenue in the portfolio while complying sanctioned conditionso Get involved in transactions requests from cliento Post deal compliance with legal team, setting up of facilities in the system and ongoing monitoring of client’s covenant and conditions as per stipulated terms of sanction Show less

  • Assistant Vice President Wholesale Banking

    Aug 2019 - Dec 2021

  • Senior Manager Wholesale Banking

    Aug 2018 - Jul 2019
• 

  Kotak Mahindra Bank

  Dec 2021 - now

  o Preparation of Credit Appraisal notes for Large Corporate clients including credit recommendationso Discuss with business on Terms and Conditions for risk assessmentso Discuss with customers for getting information for preparation of CRANso Monitor the accounts based on the terms stipulated by Sanctioning Authorityo Prepare Monthly Monitoring Reports for the portfolioo Escalate with action plan for non complianceso Visit the units and submit inspection reportso Manage and address any escalations related to risk assessments Show less

  • Deputy Vice President

    May 2023 - now

  • Associate Vice President (Credit) - Large Corporates

    Dec 2021 - now