Digvijai Singh Email and Phone Number

• Analysing the funds and working capital required, assisting in fund-raising and actively managing working capital; interacting withbanks and funding institutions, giving advisory services to management on management of capital• Negotiation of Term Sheets, Sanctions (Term Loans and Working Capital) and loan documents with the Bankers and LLC. • Have raised total INR 40000 Mn of Project Loans and INR 23000 Mn of Working Capital Loan in debt.• Supporting the Bankers with providing solutions to the queries raised for credit appraisals• Ensuring timely compliances with various Pre disbursement and Post disbursement conditions of Project Loans and Working Capital Loans• Supporting in financial modelling to help in short-term and long-term planning of the organization; administering the generation of financial forecasts and business plans for new projects in coordination with respective Project and BU Heads• Forecasting cash flow positions, related borrowing needs, and available funds for investment, and mitigating financial risks related to the interest rates on the Bank's borrowings• Liasoning and maintaining adequate business relationships with Bankers, Financial Institutions, Board of Directors and Investors• Ensuring timely credit rating of all instruments, providing required data to External credit rating agencies for preparing credit rationale and also ensuring timely compliances of rating agencies.• Established credit facilities with banks, ensured that lenders queries are addressed, data is timely shared and market is explored for reducing the cost of funds• Contributing in Trade Financing activities including Opening of Letter of Credits and Bank Guarantees, processing of import bills and collection bills, liaising for rectifying discrepancies on L/C documents and settlement of Bill of entries in IDPMS / EDPMS.• Maintaining compliances as per FEMA guidelines for import and export transactions.

• Led financial project management of DDU-GKY scheme of MoRD and its key Non-Negotiable in UP, India as per formulated SOP for Uttar Pradesh region.• Managed project appraisal of prospective Program Implementing Agencies (PIAs) to check feasibility of such PIAs to run the program successfully• Evaluated Utilization Certificates (UCs) submitted by currently operating 360 PIAs in Uttar Pradesh• Conducted quarterly and annual audit of accounts and prepared the audit report accordingly• Performed disbursement scheduling, periodical review, review and financial analysis through Financial Information System (PFMS) for 360 PIAs operational in Uttar Pradesh region• Participated in periodical meetings with MoRD/SRLMs to review project implementation, identify challenges monitoring, andplanning for corrective measures• Monitored capacity building of SRLM and 360 existing PIAs in Uttar Pradesh region

Preparing Feasibility Reports for various key investment sectors like Power, Infrastructure, Metal & Mining, etc. of the country.Detail Engineering of the projects.Asset Valuation for various industries operating in sectors like Power, Metal & Mining, etc.Benchmarking study of the companies.Preparing presentations and various documents for the top management of the organization.

• Responsible for building the capacity of microfinance institution• Spreading Information of Best Practice tools and skills to the employees• Managing donor funds advanced to the association from agencies like NABARD, Union Bank of India, DC handicrafts, etc.• Established a credit reference mechanism for the institution• Working closely with all the stakeholders involved with the institution• Developing and supporting activities that strengthen microfinance including various forums like Microfinance Institution Network, etc.• Developing and implementing various new products like micro-insurance, micro-lending, micro-savings, etc. • Recruit, train and manage performance of team sales, operations and client service staff• Heading the digitization process of the institution and also responsible for providing analysis reports• Enabling on the job training and continuous learning of the branch staff so that their knowledge on banking rules and regulations are up-to-date

The work on credit risk management deals with the whole process of the sanctioning of loans and with the process after sanctioning. This work explains the various segments of customers depending upon the need for which the loan is being taken, the credit rating of the customer and the models that are being used for the credit rating of the customers, how the information of sanctioning of the loan is conveyed to the customer and it also explains the recovery of the loan in case there is any default from the customer side.