Professional Experience:
Having more than 16 years of relevant professional experience with Intergovernmental Multilateral and Bilateral funding agencies viz. SAARC Development Fund, Thimphu, Bhutan and Indo-US Science & Technology Forum, New Delhi, India and with corporate sector (SBI Group, Bank of India Group, HDFC Bank) in Improvisation of laid down lending policies and guidelines, strategic planning (Business and financing strategies), partnership building & networking, innovation & leadership, risk & compliance management for the Sovereign & Non-Sovereign lending operations in India and South Asia Region (Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan and Sri Lanka).
Extensively worked on -
1. Improvisation of laid down lending policies and guidelines, strategic planning (Business and financing strategies), partnership building & networking, innovation & leadership, risk & compliance management for the Sovereign & Non-Sovereign lending operations in India and South Asia Region (Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan and Sri Lanka.
2. Preparation and Improvisation of ten years Strategic Plan 2020-2030.
3. Adopting sound business strategies (digital, stakeholder analysis, financing, risk & compliance management, internal control) aiming to maximize return for the stakeholders.
4.Developing a quality project portfolio with innovative and digital financing models for the sustainable project and program financing covering the sectors Social (Poverty Alleviation, Women Empowerment, Education, Livelihood, Healthcare, Agriculture, Maternal & Child Health, Financial Inclusion, Empowering citizens etc.), MSME and Infrastructure (Renewable Energy, Power, Transportation, Tourism, ICT, Housing, Roads, Construction, etc).
5. Undertaking credit appraisal including financial forecasting and cash flow analysis in the project financing to determine the debt carrying capacity of the borrowers and potential return on investments.
6. Monitoring, Evaluation, Accountability and Learning (MEAL) standards, Early Warning Signals (EWS), Enhanced Due Diligence (EDD) systems and processes.
7. Project Risk Appetite (PRA), containing the limit structure, risk-based AML/CFT, ESG monitoring and reporting, of SDF funded projects in line with organization’s corporate strategy.
8. Finalizing credit term sheets with the clients, getting the credit appraisal and loan documentation done adhering the TAT, meeting all the compliance pre sanction & disbursement and finally conducting a robust M&E activities post disbursement.
9. Leadership, innovation, governance, and compliance management necessary to identify, evaluate, monitor, and mitigate the project financing risk (Credit, Market and Operation Risks) to Public and Private (Start-Ups, MSME, Corporate, NGO etc.) industry’s project operations.
10. Developing and implementing public-private partnership (PPP) intermediation strategies, partnerships and resources mobilization strategies for the sustainable investment aiming to create an impact in the region using proper due diligence and market intelligence.
11. Developing a strong understanding of the multi-cultural working environment with an ability and willingness to work in a climate of teamwork and collaboration with other departments (Risk/Internal Audit/Account & Finance/HR etc.) and stakeholders (Government/CSOs/Private Sector/Chamber of Commerce & Associations/etc).
With the professional qualifications and experience, built skills to -
a. Analyze the key stakeholders
b. Recommend Financial Strategies (Analytical skills).
c. Evaluate and Mitigate Risk (Risk Management skills).
d. Recommend and maintain a sound control system (Internal Control skills).
e. Fraud Prevention and Deterrence (Operational skills).