Co-Lending:• Driving Digital Lending through Co-Lending partnerships with Public Sector Banks, Private Sector Banks & NBFCs for Business Loans, Supply Chain Finance, Mortgage Loans, and Auto Loans• Handling & nurturing 6+ Co-Lending partnerships from initiation till the launch of the partnership• Presenting Arthmate’s corporate profile & fulfilling data & document requirements of the prospective clients• Collaborating with business & multiple teams of Co-Lending partners & internal stakeholders from product, data science, business, tech, risk, finance, legal, compliance, strategy, operations, policy & credit team• Leading discussions related to commercials, credit policy & product specifications to finalize BRE• Aligning operations & end to end process flow; Setting up plans for successful UAT & eventually going live• Defining various processes like customer journey, Co-Lending Standard Operating Procedures, Direct Assignment process, Straight Through Process, Waterfall Mechanism, Amortization Logic, etc.• Finalizing documents like Term sheet, Master Agreement, Servicer & Escrow Agreement, Borrower Agreement• Assisting the tech & product team in the system & API integration process with the Co-Lending partners• Delivering business plans for Co-Lending to the Senior Management & Founders during business reviewsCapital Markets:• Driving growth by raising debt in the form of term loans for on-lending end use from financial institutions• Assisted in raising debt from 2 Public Sector Banks, 2 Upper Layer NBFCs and 3 more NBFCs• Working on 7 more proposals in the pipeline from Public Sector Banks, large NBFCs & SFBs• Liaising with the clients to conduct our term loan assessment, and due diligence & responding to their queries• Synchronizing with debt syndication groups to help us assist raise debt from different financial institutions• Finalizing documents like Sanction Letters, Term sheets, Facility Agreements & other pre-disbursement docs

• Solved the problem of unavailability of funds to the underserved borrowers under PSL via Co-Lending & FLDG Partnerships with NBFCs/HFCs for Mortgage Loans, Education Loans, Business Loans & Vehicle Loans • Led discussions related to interest rates, agreements, policy & processes to lay down the program scope• Liaised with external stakeholders including CXOs, promoters & treasury teams of the partners & internal cross-functional teams like product, data science, tech, risk, legal, operations, policy, credit & compliance• Identified & assessed NBFCs on their financial statements, customer segments & geographical presence• Acquired, invested & bought loan portfolios to drive inorganic growth via direct assignment of cash flows• Analyzed large amounts of customer data on various parameters to curtail credit risk while selecting loan pool• Structuring, cashflow modeling & scenario analysis of Mortgage-backed & Asset-backed transactions• Formulated & implemented underwriting process, due diligence, compliance monitoring & auditing• Tracked KPIs like disbursements, monthly payouts, portfolio performance, risk, profits, Gross NPA & NCL• Examined the competitive landscape by analyzing competitor offerings using primary & secondary research• Developed growth strategies & ensured adherence to extant regulatory guidelines and compliance• Administered risks & initiated appropriate corrective actions; Delivered insightful MIS reports & dashboards• Reported business performance & reviewed expansion progress to plan long-term strategic business drivers

• Persuaded and converted clients and prospects to register for the Compliance 1010 event• Extracted 200+ prospects from e-commerce, Healthcare & Telecom sectors for future strategic channel partnership program• Identified 100+ prospective associates and associations for the channel partner program for Gujarat• Developed the company’s database using Microsoft Excel and wrote content for 4-5 mailers• Recommended by the organization for front-facing roles requiring a high degree of negotiation abilities, teamwork, and process orientation

• Interviewed 73 government finance officials regarding the brand perception of AU SFB in the BFSI sector• Analyzed the data obtained from 73 responses & recommended strategies to enhance brand perception• Benchmarked top 5 SFBs & top 5 Private Sector Banks on their financials, marketing, & operating strategies• Ranked all 10 banks using CAMEL Rating System & recommended strategies to enhance AU SFB’s operations

- Studied train rolling stock comprising of train formation, car body, saloon interior, and gangway- Gathered knowledge about the overall description of bogie; functions, types, and location of passenger saloon doors- Studied the illustration of couplers, coupler types and their functions in metro rail; functioning of traction motors- Acquired the basics of brakes and pneumatic system, types of brakes, air suspension, pantograph, air brakes- Reviewed the functions, working and components of the Heating, Ventilation, and Air-Conditioning (HVAC) system

- Introduced to machine tools, an overview of milling machine, types of mills, types of milling operations- Studied the overview, construction, and working of lathe machine, types of lathe operations- Inspected the importance of force metrology: force primary standard machine, force transducers i.e. proving ring and load cell- Gathered knowledge about torque metrology: torque primary standard machine, torque transducer i.e. torque meter- Measured hardness using Rockwell, Vickers, Brinell hardness tests performed on circular test blocks of different hardness values