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Pranav Darvekar

CA PRANAV DARVEKAR
Chartered Accountant with +3 Years experience in Credit Risk Analysis & Underwriting

CAREER CONSPECTUS

 Middle management professional with extensive experience of 3 + years in credit risk analysis and underwriting
in banking & Financial services
 Qualified Chartered Accountant and Master of Commerence
 A strategic planner with capacity to understand client’s business and an innate ability to perceive and respond
quickly to changing needs of organization.
 Demonstrated expertise in handling operations such as client servicing, credit appraisal, documentation and
team management
 Advanced expertise in Financial Analysis, Systems Compliance, Internal Control and Audit Procedures.
 Possess knowledge in financial management including Capital markets, corporate finance, Risk Management,
Commercial Banking, Private equity and Market Communication.
 Exposure in keeping abreast of the entire industry, assessing current trends in business practices, products, and
industry competition.
 Effective communicator with exceptional interpersonal skills and hand on experience in team leadership
 Areas of exposure include:

- Credit Risk Underwriting - Finance & Accounts - Audit & Taxation


- Analytical Proficiency - Team Management - Leadership

OBJECTIVE:

For my future role, I am looking for an opportunity to work and grow with a firm that offers prospects to work in a
challenging environment and where innovation, creativity, problem solving & learning are the cornerstones of all
endeavors.

PROFESSIONAL EXPERIENCE

Cholamandalam DBS Finance Limited


Branch Credit Manager – Vehicle Finance September 2008 – Present

Job Responsibility

Credit risk underwriting of loan proposals, analysis of portfolio, handling team & external agency to process loan
proposals in time. Responsible for Commercial Vehicle Finance portfolio for Mumbai region.

Job Profile & Work Experience

 Credit risk analysis of loan proposals which includes financial statement analysis, ratio analysis, banking
behavior analysis, business trend analysis with respect to industry & economic trends in the industry. This
includes analysis of customer credit worthiness.

 Approving the loans within specified limit & involved in making a complete summary analysis on case, after
considering risk aspect, valuation aspect of vehicle, financial analysis of customer, personal discussion with
them, doing market reference check, considering future plans, & then presenting it to seniors for further
evaluation and necessary approvals.
 Responsible for adherence of policy & prescribed deviation set out by bank for loan assessment

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pranavdarvekar@gmail.com
Pranav Darvekar

 Analysis of delinquency w.r.t. sourcing channel & program, early default analysis, non starter analysis, approval,
rejection, disbursement analysis for portfolio and taking preventive action depend upon delinquency.

 As a manager handling & coordinating with various agency viz verification agency, valuation agency, Credit
Officers for processing loan in specified time.

 Impart training for sales counterpart, external agency on policy & other updates and on improving right sourcing
quality.

HDFC Bank, Retail Asset


Deputy Manager – Retail Asset April 2006 to August 2008

Job Profile & Responsibility

 Due diligence of loan proposals which includes financial statement analysis, in-depth analysis of financial ratio
viz a viz to related industry, banking behavior analysis , working cycle analysis , business trend analysis with
respect to industry & economic trends related to particular industries . This includes analysis of customer credit
worthiness.

 Approving the loans within specified limit & involved in making a complete summary analysis on case, after
performing risk analysis, financial analysis of customer, personal discussion with them, doing market reference
check, considering future plans, & then presenting it to seniors for further evaluation and necessary approvals.

 Analysis of delinquency w.r.t. sourcing channel & program, non starter analysis, approval, rejection,
disbursement analysis for portfolio and taking preventive action depending upon delinquency.

 As a manager handling & coordinating with various agency viz verification agency & file processing agency for
processing loan in specified time.

 Client site visit for understanding business process, set up, level of operation etc.

 Underwritten risk in various loan products viz Loan against property in Mumbai ( From April 06 to Oct 06 ) ,
Business Loan & Personal loan in Pune Hub ( From Nov 06 to August 08 ) & Education loan for Maharashtra
excluding Mumbai ( From July 07 to August 08 )

 Coordinating & Preparing monthly MIS for Western India Region.

 Legal Compliance for hypothecation of property in secured loans.

 Impart training to sourcing channel, sales teams, credit support team, external agency on bank policy & other
updates.

Product Knowledge & Worked

- Loan Against Property - Business Loan & SME


- Personal Loan - Education Loan
- Commercial Vehicle Finance

Sharad Shah & Co, Chartered Accountants, Pune.


Auditor June 2005 - March 2006

Details of responsibilities & Work Experience:


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Pranav Darvekar

 Worked as Management Representative for implementation of ISO 9001: 2000 certification for CA firm.

 As a Team leader Handled Assets verification audit of telecom Company & internal & statutory audit of private
company

 Preparation of Financial Statements in compliance of various applicable laws and standards.

 Application of Accounting Standards and Auditing & Assurance Standards of the ICAI
 Preparation of various return under Direct Tax for Corporate and Non-Corporate Assesses

S.M. Suratwala & Company, Chartered Accountants, Pune.


Article Trainee July 2001 to December
2004

Details of responsibility & Work Experience:

 Independently Handled Finance department of software company which include accounting, MIS reporting,
monthly budgeting & variance analysis, foreign exchange compliance etc.

 Preparation of Financial Statements & Project Reports

 Statutory Audit and Tax Audit of Private Limited Companies and non-corporate assesses

 As a Team leader Handled Internal Audit and Revenue Audit of public sector bank & cooperative banks and
preparation of Audit report of the same.

 Preparation of various returns as per Statutory law like Direct tax, Company law for Individual, Partnership Firm,
Private Limited companies as applicable.
 Application of Technical Standards (Accounting Standards and Auditing & Assurance Standards) of the
ICAI

EDUCATION

Chartered Accountant
Institute of Chartered Accountants of India, January 2006

Master’s Degree in Commerence


Brihan Maharashtra College of Commerence, Pune University, May 2005

IT Skills
Well versed with Computerized Environment with good hands on MS - Excel, Word, PowerPoint, Lotus notes , Outlook
etc well command on Tally.

Other Accomplishments

 My C.A. Final score (58.63%) is equivalent to all India Merit rank 33rd issued by ICAI in Nov’05.
 Received many appreciations by Management during professional endeavor.
 Earned many awards for academic excellence in school & colleges.

99233 30202 3
pranavdarvekar@gmail.com
Pranav Darvekar

PERSONAL DOSSIER
Marital Status : Single
DOB : 14th May 1983
Language : English, Hindi & Marathi

PRANAV DARVEKAR

Place: Mumbai Date:

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pranavdarvekar@gmail.com