Kapil Soni Email and Phone Number

• Managing ~INR 1250 Crores of asset portfolio across various working capital products- Secured CC/OD, WC-TL, BG/LC, PCFC, Surrogate/FOIR based, Unsecured CGTMSE, Warehouse receipt financing; across NCR.• Responsible for right acquisition in order to grow sustainable book growth from NTB clients, and enhancement from ETB client base.• Engagement and deepening client relationships in order to manage the development of region’s book by providing them the right solution.• Responsible… Show more • Managing ~INR 1250 Crores of asset portfolio across various working capital products- Secured CC/OD, WC-TL, BG/LC, PCFC, Surrogate/FOIR based, Unsecured CGTMSE, Warehouse receipt financing; across NCR.• Responsible for right acquisition in order to grow sustainable book growth from NTB clients, and enhancement from ETB client base.• Engagement and deepening client relationships in order to manage the development of region’s book by providing them the right solution.• Responsible for business development-engaging with DSAs/Channels to source NTB business in order to grow book.• Credit assessment memo writings for clients after proper analysis and further present to COCC in HV.• Responsible to upgrade of EWS score and monitor churning for entire portfolio in order to minimize risk and upgrade health code.• Managing Portfolio Health score by working on various Portfolio Matrices:Delinquency, PDDs-charge confirmation, Compliance check, Attrition Analysis,Credit rating triggers, DTM Assessment, EWS Analysis & Quick Mortality.• Risk assessment and mitigation in portfolio and planning for exit mark to high risky investment/accounts.• Launched 4 new products with the help of Product and risk team, responsible for the numbers, performance, and compliance monitoring.• Handholding of entire salespeople -ASM, SM and off role staff for training, supporting to achieve desired portfolio book with sustainable risk. #Achievements#• ~99.55% Portfolio is standard by extensive monitoring and evaluation.• Able to launch 4 new products, which increased region’s book and helped ~12% of customer retention.• Able to sustain portfolio yield >9.90%, despite ~190% growth in asset book within a year with distributed risk.• Felicitated by Group Executive to Achieve Q-3 Contest for best performance in Goa. Show less

-Responsible for acquisition - NTB client for working capital exposure above INR 5 Crs-Conduct risk analysis of credit request for mid-corporate, SME clients and understanding their creditworthiness in line with the organization’s credit policies.-Proposals’ risk note writing and discussion with approving authorities/committee members, limit-setup & disbursement.-Handled portfolio of INR 105 Cr hailing from different industries – renewals, enhancements, asset quality hygiene.

Commercial Lending - fund raising and Advisory - One of the tough Job.• Responsible to source and raise Working Capital financing of more than INR 5 Crs - HV deals - fund based and non fund based exposures.• Built a network of business introducers in the local, professional and business community for working capital and corporate loan proposals.• Managed 3-members team for business development domain, training, and sourcing INR. 300 Crs of business and sanctioning to… Show more Commercial Lending - fund raising and Advisory - One of the tough Job.• Responsible to source and raise Working Capital financing of more than INR 5 Crs - HV deals - fund based and non fund based exposures.• Built a network of business introducers in the local, professional and business community for working capital and corporate loan proposals.• Managed 3-members team for business development domain, training, and sourcing INR. 300 Crs of business and sanctioning to disbursements ratio ~65%.• Responsible of finance consulting for funding, understanding clients’ requirement and provide the best solution basis client’s needs• Develop a targeted COI (center of influence) list and have a detailed plan to build relationships that lead to referral business to achieve goal. Show less

• Responsible for financial - New Credit Products Development in Unsecured - Consumer and Asset based financing• Credit Risk Assessment of Customers to build better Product.• Developed & Launched Credit Products by understanding need of key the customer.• Execution of Product in Co-lending with leading Bank# Responsible for accomplishment of projects as :Text Analytics on the customer tickets to automate the categorization process. Designed and conceptualized pricing tool… Show more • Responsible for financial - New Credit Products Development in Unsecured - Consumer and Asset based financing• Credit Risk Assessment of Customers to build better Product.• Developed & Launched Credit Products by understanding need of key the customer.• Execution of Product in Co-lending with leading Bank# Responsible for accomplishment of projects as :Text Analytics on the customer tickets to automate the categorization process. Designed and conceptualized pricing tool by rating properties based on secondary data and sectorial wise rental guidelineReal Time Data insights/Analytics*Business Process Management and StandardizationAchievements:Developed & Implemented Assets Rental Universe to solve the problem of unmanaged data of Rental items installed in properties across the cities.New Financial Product Development-Tenant & Owner Profiling for product building-Rent Pricing DecisionsAcheivements:Developed & launched Financial Products by understanding the need of key customers of the company Designed and Conceptualized pricing tool by rating properties based on secondary data and sectorial wise rental guideline Show less

Responsible for building Data driven models by using predictive analyticsIdentification of Credit Risk Parameters and perform analytics using customer data to optimize pricingBuilt Algorithms for our home grown productsFinancial Modelling for Credit Risk AssessmentCredit Underwriting and Industry AnalysisAchievements:Developed Client & Bank Match-MakerCredit Risk Assessment for Business Loans

Research and Analysis of Bonds and EquitesData and Information AnalysisFund Management - Operations and QueriesCapitaline DatabaseAchievements:Modelling & Analysis to measure ROI of Bonds & Equities for HNI clients

Fundamental ResearchDescriptive AnalysisTrack investment Specific News Research & Analysis for Bonds and Equity

Worked on a project related to financial crisis of the company with General Manager