Avinash Kumar Email & Phone Number

Dubai, United Arab Emirates

United Arab Emirates

Bengaluru, Karnataka, India

- Managing a portfolio of large and mid-sized corporates providing contract financing mainly to construction/EPC companies for the Abu Dhabi geography.- Work mainly entails detailed analysis of project cash flows (sensitivity and scenario testing), assessing required project specific funded/non-funded credit facilities, generating obligors rating (credit lens), preparing automated credit-memos, forming opinion, and presenting to the approving authority with credit enhancement measures.- Monitoring of accounts post sanction, ensuring settlement of past dues or TODs and timely renewal of credit facilities- Assisting senior management by preparing central MIS data

Delhi, India

New Delhi Area, India

• Managing a portfolio of corporates (Large and mid-sized) across multiple industry segments (Pharma, Auto, Chemical, EPC, FMCG, mining sector etc.).• Working knowledge of financial statement analysis and Credit Monitoring Arrangement (CMAs) preparation. It includes analysing historical cash flow and projecting future cash flows incorporating various sensitivities and scenarios.• Carrying out macro (sector analysis, peer comparison etc.) and micro (financial metrics, project ratios, business model, site visits etc.) level analysis to arrive at a credit rating using internal rating methodology • Assessment of credit facilities (Working capital, Term loan and Derivative products) proposed by the Relationship Managers to the clients• Continuous monitoring of all the accounts through periodical asset quality reviews along with annual review of internal credit & facility risk ratings of corporate • Deliverable includes making risk reports and appraising/presenting to appropriate committees of the bank about the proposal's strength and weaknesses along with suggestions/observation for credit enhancement or exit recommendation• Interaction with multiple functional groups (compliance, legal, pricing, industry experts etc.) to take their inputs

Dhanbad Area, India

• Acquired leadership skills through spearheading a team of assistants and coal miners in order the achieve the targeted daily, monthly and yearly production levels• Statutory Responsibility of Production, Safety and Environment• Planning and Scheduling of short-term monthly plans of deploying people, machine & materials• Conducted Internal Audit of Safety, Environment, Health and Vocational Training • Improved Productivity (OMS) from 0.58 to 0.68 which helped company improve production by 12%• Excellence rating, Safest Facility Plan during “Annual Mine Safety Week” in 2013 and 2014

Post Graduate Diploma In Industrial Management (Pgdim), Finance, General, 8.6/10

Activities and Societies: • Banking Sector module, NCFM and NSE • Corporate Banking Products, RM and Credit Analysis, FLIP

Bachelor Of Technology (B.Tech.), Mining Engineering, 7.93/10- Passed With First Class

Activities and Societies: • Event Head, Radiance 2k10, an Inter College Technical Quiz at IIT (ISM), Dhanbad • Led a 20-member team.

High School, Science And Maths, 85.40%