Vikrant Warudkar

Background

About Vikrant Warudkar

Seasoned professional in Finance sector with 12+ years of extensive experience. Broad expertise in conducting risk evaluation, team leadership, and client relation management, leading to optimized transformational processes in the firm. Passionate, reliable, and self-driven individual looking forward to embarking on new challenges in the industry. PROFESSIONAL EXPERIENCE Credit analyst in the team of Intensified and Problematic Loan Management of car dealers Designed a comprehensive structure to fulfil the collateral condition and retain the account leading to business profits at 9.50% for next 12 months. Prevented an account from slipping into NPA category and saved provisional costs by following up with stakeholders to bring down the high DPD of account. Enhanced the rating by 2 notches resulting in improvement in the portfolio quality, reduction in provisioning, and mutual benefit to client in the form of lower interest rate. Implemented risk mitigation to improve company ratings Prepared credit notes by analysing financial statements with interim and projected financials of car dealers across India for Inventory Funding. Prepared due-diligence reports to select applicant to award the dealership by brands like Porsche, Skoda, and Volkswagen Steered credit appraisals of corporates across industries like pharma, real estate, steel, textile, EPC, Solvent Extraction, Auto Ancillary, Manufacturing (Electrical Component & Equipment's, Plastic Products, Wind Power) Handled end to end deal size ranging from INR 50 M - 1 B Managed loan portfolio of clients worth over INR 100 Cr(s). Developed various niche loan products-advances against warehouse receipts. Recovered NPA’s through legal actions –IBC, SARFAESI, Auctions, DRT Exposure about Working Capital Finance, Financial Statement Analysis, Credit Rating, Cash Flow Projection, Project Evaluation, Techno Economic Viability Study and Credit Proposal. Economy and Industry analysis. Covered Risk management, analyzed Stock Audit Reports of various borrowers to identify & redress the financial & other deficiencies if any observed in the reports