Dev Budhiraja Email & Phone Number

Delhi, India

New Delhi, Delhi, India

Leading a team of credit professionals for managing a portfolio of more than INR 8000 crores (approx USD 1bn) for SME segment of HDFC Bank in the Delhi NCR and Western UP region. Borrower profile ranges across all segments such as HealthCare, Pharmaceutical, FMCG, Automotives, Education, Textiles, Glass, Iron & Steel, General Trade etc among others, alongwith their allied activities

New Delhi, Delhi, India

Managing a portfolio of more than INR 2500 crores for SME segment of HDFC Bank in the Delhi NCR region. Borrower profile ranges across all segments such as HealthCare, Pharmaceutical, FMCG, Automotives, Textiles, Glass, Iron & Steel, General Trade etc among others alongwith their allied activities

Mumbai Area, India

Part of the senior management team at India's second largest Public Sector Bank.Managing and mentoring a team of officers for credit appraisal of proposals for Greater Mumbai zone & surrounding regions and recommending them to internal bank committees for sanction; ensuring compliance of regulatory policies for credit underwriting; liasion with counterparts for ensuring smooth process flow; providing inputs for development of various lending products for the SME

Credit underwriting of proposals; mentoring new team members for policy and processes; advocating process changes; supporting leadership team in implementing policy changes across regions; liaison with business team for closure of transactions; interacting with product development team for improvement in systems

New Delhi Area, India

Associated with the risk team and involved in underwriting of credit proposals for small and mid corporate clients.. Job profile involves assessing the credit requirements of corporates for fund based and non fund based working capital requirements along with appraising the requirements for term lending.Key responsibilities include interaction with promoters and top executives of corporates to understand their funding requirements and assess accordingly.

Credit appraisal of corporates; mentoring of new team members; product training for employees across segments; client interaction/liasioning; cash flow modelling; financial/operational due diligence

Responsible for assessing the credit worthiness of corporates across varied industries for various products such as fund based and non fund based limits, term loans for expansion, green field projects, exposure in foreign currency etc..My job profile at IndusInd Bank currently entails apprasing the client for its credit worthiness and presenting the case to the credit committees for the sanctioning of proposed facilities by way of the following: Preparing detailed credit proposals for… Show more Responsible for assessing the credit worthiness of corporates across varied industries for various products such as fund based and non fund based limits, term loans for expansion, green field projects, exposure in foreign currency etc..My job profile at IndusInd Bank currently entails apprasing the client for its credit worthiness and presenting the case to the credit committees for the sanctioning of proposed facilities by way of the following: Preparing detailed credit proposals for clients based upon their requirements by interacting with the top managment/ promoters of client companies to understand their funding needs.Detailed financial analysis of historical financial statements of clients.Prepraration of projections for clients approaching the bank based upon past trends, future growth plans, industry analysis etc.Cash flow modellingthorough verification of bank statement of operational bank account statements of the client to evaluate routing of funds.Due dilligence based upon discussions with CA, suppliers, customers and other third parties associated with the client to verify credentials.Risk rating of the client based upon the internal covenants of the bank.Apart from this, I am also repsonsible for guiding the relationship team in filtering the proposals being brought to the bank for credit appraisal absed upon internal guidelines of the bank.. Show less

Preparation of Rating Note for New/Surveillance/Representation for the clients.• Financial Analysis, Ratio Analysis of the company on different rating parameters.• Cash flow modeling based on interaction with the Top Management.• Interaction with the top management, CXO’s regarding the business outlook, overall strategy and credit risks.• Due diligence of clients performance in co-ordination with the bankers, CA and other intermediaries.• Thorough assessment of Credit Risk… Show more Preparation of Rating Note for New/Surveillance/Representation for the clients.• Financial Analysis, Ratio Analysis of the company on different rating parameters.• Cash flow modeling based on interaction with the Top Management.• Interaction with the top management, CXO’s regarding the business outlook, overall strategy and credit risks.• Due diligence of clients performance in co-ordination with the bankers, CA and other intermediaries.• Thorough assessment of Credit Risk faced by the industry, company and rating based on assessment.• Facility rating of Term Loan, Cash Credit, Foreign Credit and Non Fund Based Facilities. Show less

Working in the IB team

Advisory Services to clients for undertaking Credit Rating, Structuring M&A transactions, Loan Syndication, Private Equity, Capital Restructuring etc.

Credit appraisal and cedit rating advisory

Studied the manufaturing cost of the company and calculated the per unit cost of the Thermal Portfolio, calculating wastages alongwith.SOX Documentation for the Expendituer cycle.Competitive Benchmarking of Delphi vis-a-vis its competitors in various divisions.Business Plan Formulation- Understanding and making dummy business plans.

Mbe, Econometrics, Forecasting, Global Finance

Activities and Societies: Environment Club, Placement Coordinator, Debate team, Volley Ball

Executive Program, Risk Management

B Com (Hons), Commerce

Activities and Societies: Vice President Commerce Association, Volley ball team, Cricket team, Debate club, Quiz club

Commerce With Maths

Activities and Societies: quiz team and volleyball