SHAILESH BUDHIA

Mobile: +91 9004776317 E-Mail: shaileshbudhia7@gmail.com Date of Birth: 7th July 1983 Gender: Male

TOTAL WORK EXPERIENCE 11 Years

Career Summary
 Credit-Risk experience across Segments, Regions across India & Debt Products including Structured Debt
 PGDBM (Finance), Institute of Management Technology Ghaziabad and Chartered Accountancy, ICAI
 Credit Underwriting, Due Diligence & Portfolio Management
 Promoter Meetings & Plant Site Visits for Business Evaluation
 Industry Analysis including Growth Drivers, Risk Identification and its Mitigants
Piramal Finance Limited – Emerging Corporate Lending (Deal size upto Rs. 125 Cr)
June 2017 till date: Associate Vice President, Asset Management (All-India)
Asset Management & Early Warning Identification
 Business performance review basis:
- Operating & Financial parameters
- Promoter meetings/ plant site visits
- Market Intelligence, External Checks & Escrow analysis
- Industry & Peer Analysis to identify competitive advantages/ disadvantages
 Presentation to management on health of the portfolio along with identified Red Flags & Resolution
 Compliance with all audit related activities
Due Diligence & Asset under Management
 Part of the Approving Committee for all deals
 Inputs on new deals basis past learning & experience
 Present Portfolio ~20 Clients having AUM ~Rs. 1200 Cr
 Portfolio covers 7 sectors including Microfinance, Auto Components, Renewables, Pharma & Logistics
Interpersonal
 Presently having one member in my team
 Liaisoning with Investment, Risk, Legal & Operations Department
 A team player with strong communication, interpersonal, analytical and problem solving skills
Tata Capital Financial Services Limited – Corporate Finance Division
Dec 2015 – May 2017: Assistant Vice President, Credit Monitoring (West & South) & Digital Business (All-India)
Credit Monitoring & Early Warning Signal
 Analysis: Promoters, industry updates, regulatory updates, rating agencies & financial updates
 Ensuring timely completion of the Reviews & Renewals for the Emerging, Mid & Large Segment
 Managing Portfolio size of ~INR 7000 Crores having ~830 clients for West & South Region
 Regular Client Interaction & Site Visits for updates on the Company, Industry & Business Development
 Handling SMA & CDR accounts along with attending the Joint Lenders Forum
Digital Business & Automation
 Setting up of Digital Business Platform for the Corporate Finance Division especially from Credit Risk perspective
 Formulation of Credit Policies for business development & Scorecards for Credit Decision
 Engaging with internal & external stakeholders for the development of the e-business platform
Citibank N.A. – Commercial Banking
Aug 2014 – Nov 2015: Assistant Vice President – Credit Analyst, SME, Mumbai
Credit Assessment & Due Diligence
 Maintaining high standards of due diligence while maintaining high quality of Credit Note underwriting (based on
promoter, industry, business & financials including cash flow, projections & ratios)
 Getting all clarifications for the deal, plant visits & presenting the proposal to the approving authorities
 Responsible for quality book size of ~INR 350 Crores having ~50 clients
 Adept at credit policies, managing risks and implementing effective mechanisms to mitigate them
 Assessing 8 to 10 clients (new & prospective) per month having average ticket size of INR 80-100 Million
 Maintaining satisfactory Audits - Internal Audit, Fundamental Credit Review & Post Loan Review
 Maintaining regular updates from the industry experts, bankers, financial institutions & research analysts
Portfolio Monitoring & Housekeeping
 Monitoring of the existing portfolio through ‘Early Warning Signal’ mechanism and follow ups
 Regular engagement and customer calling as per internal Calling Tracker
 Maintaining minimum TODs & Nil Excesses
TATA Capital Financial Services Limited – Corporate Finance Division
June 2013 - Aug 2014 Asst Vice President - Credit Mid Corporate for Mumbai
May 2012 - May 2013 Senior Manager - Credit Mid Corporate - Kolkata & Large Corporate - East
Apr 2011 - Apr 2012 Senior Manager - Credit Supply Chain & Emerging Corporate for East
May 2007 - Mar 2011 Manager – Credit SME for Hyderabad
Relationship Building
 Experienced at deal structuring & negotiation
 Liaisoning with the Client’s Treasury & Financial Planning team for deal structuring & negotiation
 Getting all clarifications for the deal, plant visits & presenting the proposal to the approving authorities
 Responsible for quality book size of ~INR 300 Cr
Credit Assessment & Due Diligence
 Credit Risk analysis (based on the promoters, industry, business & financials including cash flow, projections &
ratios) with suggested effective mitigants to the identified risks
 Products managed included Project Finance, Structured Products, Promoter Funding, Debentures, Short Term &
Long Term Loans, Working Capital Demand Loan, Trade Finance, Leasing and Hire Purchase
 Adept at devising credit policies, managing risks and implementing effective mechanisms to mitigate them
 On an average, assessing 10 to 12 clients per month having average ticket size of INR 10 Cr
 Experienced at management of different audits for the business vertical
 Vendor Management including empanelled valuers, lawyers & fraud containment agency
 Maintaining regular updates from the industry experts, bankers, financial institutions & research analysts
 Review and monitoring of the existing portfolio through ‘Early Warning Signal’ mechanism and follow ups
Interpersonal
 Presently have one team member reporting into me
 Handled Business Team of 6 Relationship Managers, 2 State Heads & 1 Regional Head
 Liaisoning with the Operations, Legal & Credit Administration Department for disbursements
 A team player with strong communication, interpersonal, analytical and problem solving skills
Additional Role
 Implementation of Risk Assessment Model with RAROC computation across the Division
 ‘Engagement Champion’ under Gallup Q12

EDUCATION
2009 Chartered Accountancy from ‘The Institute of Chartered Accountants of India’
(Secured ‘Distinction’ in the Foundation Level Examination)
2007 PGDBM (Equivalent MBA) - Finance from ‘Institute of Management Technology, Ghaziabad’
2004 B.Com (Honours) from ‘St. Xavier’s College, Kolkata’
2001 I.S.C from ‘The Frank Anthony Public School, Kolkata’
1999 I.C.S.E from ‘The Frank Anthony Public School, Kolkata’

PROFESSIONAL MILESTONES
 Certified Silver Level Assessor for ‘Tata Business Excellency Model - MBNQA’ for TATA Capital Limited
 Regional Star Award for May 2013
 Member of ‘Young Managers Forum’ under Leadership Development Programme for the year 2009-10
 Awarded ‘Best Team of the Year – Bronze Award’ for the year 2009-10
 Awarded ‘Regional Achiever Award – South’ for the year 2007-2008

PUBLICATIONS
 Co-authored paper “When the bubbles burst” published in the Statesman 19th February 2009 edition
 Co-authored paper “Corporate Governance: How Effective Is It?” published in the Indian Accounting Review of
Indian Accounting Association Research Foundation December 2005 edition

EXTRA CURRICULAR ACTIVITIES

 Reading
 Travelling
 Sports enthusiastic (Captain of the School Cricket Team & Corporate Teams; School Football Team)