Pavithra Y. Email & Phone Number

Hyderabad, In

Hyderabad, Telangana, India

Led budgeting process, collaborating with department heads to allocate resources strategically and ensure alignment with organizational goals.❖ Enhanced cash flow management through the development of robust forecasting models, ensuring optimal liquidity for business operations.❖ Oversaw budgets, payroll, and accounts payable and receivable.❖ Ensured compliance with all regulatory requirements by staying current on industrydevelopments and implementing necessary controls within the organization.❖ Managed relationships with external auditors, ensuring a smooth and efficient annual audit process with minimal findings or issues identified.❖ Mentored finance team members, fostering a culture of professional growth and skill development within the department.Significant Accomplishments:❖ Reduced interest rates from 14% to 9.75%❖ The company has received reversal of penal interest charged for renewal of account and stockstatement of 1.5 Cr❖ Implemented SOPs & Control Systems in all department and introduced KPIs, & KRAs in HR dept❖ Implemented Accounting software❖ Successfully completed GST Audit for 5 years without penalties

Hyderabad, Telangana, India

• Managed relationships with major vendors (re-negotiated contracts resulting in a 10% decrease in expenses).• Implemented cost reductions through the elimination of wasteful expenses, improvement in process efficiencies, and formal budgeting practices saving INR 4 Crores per year.• Collaborated with the senior management team in executing strategies and processes, accomplishing corporate goals and profitability for the company having annual revenue of 5 Crores with more than 100 employees.

Hyderabad Area, India

• Accomplished an increase in the AUM from INR 150 Cr to INR 255 Cr with a 94% collection rate within 2 years. • Negotiated with lenders for a decrease in the rate of interest by 0.50% to 3% on existing limits. • Managed 4 sister concerns: AExpess India Marketing Private Limited, SM Square Credit Services Private Limited, Padma Sai Chits Limited, and Srimami Finance.• Supervised cash balances and reliable control systems; aided in fundraising; coordinated with RBI for NBFC regulatory requirements.• Evaluated and mitigated the key elements of the company's risk profile; executed operational best practises. • Aided in designing the company's future direction and supporting tactical initiatives. • Supported as a member of the key decision-making Executive Management Team. • Headed the Financial Reporting and Budgeting Team.

Hyderabad Area, India

• Performed the fundraising with a minimum ticket size of INR 2 Cr to INR 250 Cr.• Worked in Debt Syndication; performed financial analysis & interpret the credit risk.• Managed balance sheets, cash flows, and other financial statements; prepared CMA data.• Successfully implemented business models to create new opportunities for clients.• Developed the financials and CMA for all types of industries.• Supported the Business Development Team in acquiring the mandate via presentation and negotiation skills.• Accomplished Successful Financial Closure/Documentation for the Projects.• Finalized the transaction documentation with lenders and legal counsel.• Analyzed the fund’s requirements (Fund Based Working Capital, Non-Fund Based Working Capital, Term Loans & Corporate Loans).• Prepared the paperwork for Private Equity.• Assisted in fundraising (Manufacturing, Real Estate, Schools, Colleges, Textile, Ferroalloys, Cold Storage, NBFC).

Hyderabad Area, India

• Managed the operations of 16 BOT road projects with a total project cost of INR 10,000 Cr. (approx.)• Coordinated with:o Lenders' Legal Counsel (LLC), Lenders' Insurance Advisor (LIA) & Lenders Independent Engineer (LIE) of the projects.o NHAI and other state government authorities for the submission of financial closure documentso Credit Risk Agencies like CRISIL, ICRA, BRICKS, CARE, and D & B for providing details about the company and getting the rating.o Technical Department, Accounts Department, Company Secretary, Project Coordinator of the Company for the gathering of data for regular activities.• Represented the company at the conferences held by the Banks/FIs and other authorities like NHAI.• Created the CMA reports for the new proposals & renewal of the existing facilities.• Led the entire Fund Based & Non-Fund Based credit facilities with eleven banks under the MBA (Multiple Banking Arrangement).

o Planning & Achieving Sales Targetso Managing & Deepening the Relationship with the associated bank`s branch managerso Generating, monitoring leadso Visiting associated banks`s branches on day to day basiso Handling a given bank branch to generate Life Insurance Business. o Accept leads generated from in-branch lead generators as well as warm leads provided by the bank from the database as well as generate own leads. o Make appointments, explore the customers financial needs in life-related investment and insurance needs areas, select appropriate product to meet these needs from the company product range, o Accurately complete sales documentation. o Training and motivating branch employees on life insurance. o Making sure they hit desired branch targets on timely basis.o Working on Company given leads, o Closure of Leads, o Generating referrals from the company given leads, o Pitching customer need based product to customer.o Sourcing strategy- Develop and execute sourcing strategy to ensure demand fulfillment in market. Identifying candidates and brokers who are willing to assist us in business developmento Goal setting- Develop and execute monthly and quarterly sourcing goals to meet larger business goals.o Establishing and maintaining business relations with our existing and new customers .o Resolution of Issues - Co-coordinating with internal departments and resolve customer related issues.o Team management- To manage a team of executives to manage the market place. Also manage internal lead process.o Maintaining a real-time pipeline of potential new Customers o Out of the box approach to achieve company targets.o Needs to do persistent follow ups as there are a lot of different parties involved in the job.o Coordinating with financial institutions & facilitate the sale.o Bringing financial institutions on board.

o Responsible for recruiting, developing and leading a team of about 50 Life Insurance Advisors to achieve insurance policy sales.o Has to engage with retired people / business women and similar communities.o Business Generation and subsequent business, Lead Management.o Planning & Implementing all the sales and customer carerelated activities for the branch.o Motivating Advisorso Set and achieve branch targetso Train the team and guide them on the product knowledge. o Make sure they clear IRDA test.o Undertake joint field work with agents. o Activate agents on a monthly basis. o Ensure Active Advisor productivity. o Understand, Monitor & Developed the Agents and ensure that they meet the Career Progression. o Managing the team of agent advisors for life insurance business. o Demonstrate successful sales skills. o Undertake joint field work with agents.Manage the productivity of the team.o Maintaining proper MIS Reports

Master Of Business Administration (Mba), Financial And Marketing, A

Bachelor Of Commerce (Bcom), Commerce, A