Kaushik Saha CV (8879214125) || kaushiksaha.iimc@gmail.

com

Qualifications, honours and awards:

1. Certified Financial Risk Manager from Global Association of Risk Professionals (May’11)
2. Certified Alternate Investment Analyst from Chartered Alternate Investment Association
(Mar’12, Level 1)
3. MBA in Economics from IIM Calcutta (Apr’09) and MSc in Geology from IIT Kharagpur (Jul’07)
4. Certificate holder from National Institute of Securities Markets on Forex Trading, Risk
Management and Corporate Governance (Nov’2013)
5. Aditya Birla Scholar (2007). MENSA member (2007). NTSE Scholar (1999)
6. MCX-SX Employee of the month (Feb’15), Droom Best team and best employee (Mar’19)

Work Experience

1. Droom Credit (July’18 to Present) – Director

• Prepared credit risk engines and advanced algorithms to determine credit eligibility for
various borrower profiles based on alternative credit data
• Introduced the following financial products – token financing, RTO and Insurance loan,
dealer financing, merchandise financing and certification services financing. This has led
to increased cross sale of products like RTO and Insurance, Droom merchandise,
certification services, vehicle booking. Loan book increased to 2000 loans a month in
March 2019 and has stayed at same level (from 6 loans a month in September 2018)
• Worked on preparing the pitch book for Droom Credit for investors which has contributed
to Series F fundraising of USD 200 million
• Worked on acquisition of Xeraphin Finvest (an NBFC), registration process with RBI and
transfer of loan book from Droom’s Fintech arm DTPL to Xeraphin
• Built the entire Droom Credit from scratch through hiring and training personnel
• Briefly handled operations and recovery, maintaining an IRR of 25%+ while keeping NPA
down to 4%. Have coordinated with more than 100 auto dealers across country to
increase auto loans
• Onboarded one pay-per-lead and one pay-per-transaction partner to create new channels
for loan disbursement and increase loan book with reduced risk
• Coordinated with technology and product teams to create the entire loan process online
and with digital record maintenance

2. Financial Risk Manager at KPMG India and KPMG Saudi Arabia. (Oct’16-June’18)
• Have worked with more than 60 banks and Corporates in domains of Credit, Market,
Liquidity and Treasury Risk Management spread across 6 countries (India, Kuwait,
Singapore, Denmark, Qatar, UAE and Saudi Arabia)
• Have worked with more than 10 NBFCs in India to develop their Credit Risk modules, IFRS9
ECL numbers and provide training to their risk management personnel
• Have developed end to end treasury solutions for SSOE, a subsidiary of Aditya Birla Group.
Developed hedging solutions for their Agriculture, Minerals, Crude oil and Freight teams.
Travelled to Malaysia and UAE to implement their agri-business and other commodity
hedging solutions in the respective commodity OTC markets and exchanges
 3. Strategy and Business Development Head for West Region at MCX-SX. (Nov’14-Oct’16)
• Conducted more than 500 investor awareness sessions in Maharashtra, Goa and Gujarat
• Led a team of 3 people to increase day to day business by almost 80%
• Onboarded more than 50 new brokers and corporates. Advised SME and MSME
corporates on their forex hedging solutions
• Represented MCX-SX at SEBI on panel to introduce cross currency options and increased
trading hours (both subsequently implemented)

4. Manager, Clearing and Settlement at United Stock Exchange (subsidiary of BSE) (Aug’12-
Oct’14)
• Managed entire workflow of post trade clearing and settlement and risk management for
United Stock Exchange (subsidiary of BSE) in Forex, Equity and Interest Rate segments
• Part of Pan Exchange surveillance and risk management committee set up by SEBI and RBI

5. Algorithmic Trader in Agri-commodities, Bullion and Crude Oil at Jaypee Capital Pvt Ltd in
Indian and Singapore markets (April’09-Jul’12)
• Developed and used algorithms to put in High Frequency Trades
• Onboarded HNIs and built their portfolios in Agri-commodity trading and arbitrage on
NCDEX, NMCE, ACE, ICEX and MCX

6. Internship at Lehman Brothers (May’08) and Reliance Industries (Jun’06) in equity research
division (specialization in oil and gas)
7. Part Time Instructor and Mentor at BSE Technical Institute (2009-2012, 2018). Have taken
courses on Fintech, Risk Management, Derivative Trading, Agri-commodity trading
8. Pro Bono consultant for MFI Bandhan as part of coursework for IIM Calcutta (Dec’08).
Developed an excel based tool to track their Agri-loans
9. Speaker on Trading, Product and Channel Development and Risk Management at CII (2009-
11), Hyderabad and Calcutta Stock Exchange (2012), Vinod Gupta School Management (2012),
Heritage Business School Calcutta (2012), NITIE Mumbai (2013), XIM Bhubaneshwar (2017)

Skills

1. Credit and other Risk Management

2. Loan underwriting and Risk Modelling
3. Vendor and 3rd party management
4. Developing and selling Financial products and create markets for the same
5. Trading in Agri-commodities, bullion and crude oil
6. Clearing and Settlement
7. Developing PD, LGD, EAD, CCF and ECL Modules using R and Python programming
8. Public Speaking