Saurabh Nandoskar Email and Phone Number

- Acquired and diversified the corporate book by identifying and targeting high-potential sectors, resulting in an increase in portfolio book by 50% in the past 1 year.- Structured and executed term loan funding deals for NBFC’s and Corporates to increase the portfolio book by Rs. 1500.0 Mn.- Developed new business leads by networking with industry players, resulting in a pipeline of potential deals worth Rs. 2000.0 Mn with corporates and NBFCs across various sectors.

• Responsible for acquiring and sourcing business for providing working capital finance and term loan funding to Emerging Corporates with ticket sizes upto Rs. 10.0 billion.• Maintaining and increasing the portfolio size for NBFC’s, SME’s, Infrastructure Finance and Commercial Equipment funding. • Managing CEO/CFO relationships effectively by servicing their needs on commercial banking, investment banking and international banking products for both fund based and non-fund based facilities.• Analysing annual reports, financial statements, financial projections, project reports, and evaluating in depth credit analysis of the company by underwriting loan appraisal note in compliance with program/ bank guidelines pertaining to the industry/ sector.

• Responsible for acquiring SME clients for their financial and banking needs. Lending to clients based on credit risk and risk assessment parameters.• Cross selling of Liability products like term deposits, Life Insurance, Mutual Funds etc. and generating income through Forex, trade and treasury products.

• Founded a Digital Marketing Agency for promoting various Blockchain Technology companies across the globe to increase market penetration, user acquisition and growth strategies. Handled a team size of 8 people. • Global Ambassador representative for India for top Blockchain companies like Waves, Aeternity, Wanchain, Bytom, Digibyte, Huobi and Keplertek.• Recruitment, training and maintaining profitability of Business units• Launched a cryptocurrency fund in October 2017 with more than 50 investors from India and an AUM of $100,000. Successful investments and exits in ICO's like Tezos, 0x Protocol, Icon, Wanchain etc. with more than 1000% returns to the investors.• Handled a team size of 4 people for ICO and cryptocurrency analysis and Fund management.

• Responsible for acquiring and sourcing business for providing working capital finance and term loan funding to small and mid-corporates with ticket sizes between Rs. 100.0 million to Rs. 1000.0 million• Maintaining CEO/CFO relationships with SMEs & Mid Corporates for their funding requirements• Analysing annual reports, financial statements, financial projections, project reports, and evaluating in depth credit analysis of the company by preparing loan appraisal note in compliance with program/ bank guidelines pertaining to the industry/ sector• Presenting the case to the sanctioning committees post risk clearance and coordinating with different support groups for disbursement of the loan• Managing clients effectively by servicing their needs on commercial banking, investment banking and international banking products for both fund based and non-fund based facilities• End use monitoring of accounts of the customers to keep a check on adverse transactions, ensuring compliance of RBI regulations and other internal program/ bank guidelines applicable to the customers • Ensuring stability of income from existing set of clients and exploring avenues for increasing revenue from the clients through cross sell of liability products as well• Achieving individual targets and growing account profitability, while maintaining a high service standard and compliance

Credit Appraisal System in SME sector at Axis Bank• Performed a comparative study on credit appraisal methods of Small and Medium Enterprise division at Axis Bank• Familiarized with the commercial, financial and technical viability of the proposal and its funding pattern• Designed a simple cash flow forecasting model to anticipate company's future performance, sensitize and evaluate assumptions, and interpret their impact on the credit outlook and the ability to service its debt• Analysed the assessments done by the bank before providing loans and advances for various projects• Assessed and got acquainted with the Risk Assessment Model for the internal rating system developed by the bank• Gained insights on the formalized execution of credit proposals at the SME division