CA GAURAV KAVDIA
T-601, Kumar Sophrnoa, Kalyani Nagar, Pune 411016
Mobile:+919766655996  Email: gaurav.kavdia@gmail.com
Profile at a glance:
 Commercially-focused finance management executive with 8+ years’ experience, poised to deliver desired
levels of growth and genuine results.
 Combine knowledge expertise, strategy prepration, and tactical financial expertise with strong
qualifications in all areas of finance that produce bottom-line results and financial strength.
 Strong analytical acumen, business development, transaction structuring/negotiation and negotiation skills.
 Delivered strong and sustainable financial gains in highly-competitive business markets through expertise
in cost reduction, revenue growth and profit improvement.
Core Competencies
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Financial Analysis and Planning
Capital Budgeting and Forecasting
Auditing & Statutory Compliance
Financial Statement Generation & MIS
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Risk Management
Sales and Business Development
Customer Customer Service & Relations
Team Building and Leadership
Professional Experience
REGIONAL HEAD - CORPORATE & COMMERCIAL BANKING, GUJARAT
INDUSIND BANK LIMITEd (June 14 – to Date)
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Heading the Relationship Management for Gujarat (Cos having topline of more than 1.0 Bn) with a team of
4 Relationship Managers
Key responsibility of developing Gujarat Region through prepration of strategy on sectors, products,
competation analyses, key deifferentiating factors etc
SENOIR VICE PRESIDENT & TEAM LEADER – CORPORTE BANKING
YES BANK, PUNE (Feb 2010 – June 2014)
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Heading the relationship management for Large Corporate clients based in Rest of Maharashtra (companies
having topline of INR 5.0Bn and above), with a team of 4 Relationship Managers.
Prepration of client strategy, business development plans, key product differentiation, top management
meetings.
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Responsible for deal origination, structuring, obtaining credit approvals and implementation of financial
solutions for a portfolio of clients.
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Evaluating credit/risk profile of companies and structuring suitable financial solutions for them including
structured finance, project finance, off-balance sheet finance, acquisition financing, working capital, trade
products etc
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Cross-selling products of the bank including - Treasury solutions, liabilities, Debt capital market solutions,
Syndications, corporate advisory, investment banking, corporate finance, knowledge banking, strategic
advisory etc.
Managed Multinational Companies/Real Estate Portfolio/Government Business for Pune region for 1 year.
Conducting annual review of facilities/monitoring the overdues/facility documentation etc
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ASSOCIATE VICE PRESIDENT - Corporate Banking
HSBC, Pune (May 2008 –Feb 2010)
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Handling the credit & relationship management for Mid Corporate clients based in Pune (companies having
topline from INR 500 Million to INR 4500 Million), also responsible for handling the global leads and
structuring the financial debt for them.
Preparing the credit approval notes (Industry Analysis, Balance Sheet Analysis, CMA, MPBF, Security for
the credit lines, Global operations for the company, Risk & mitigants, M&A etc.) to be sent to the CRM
(Credit Risk Management) department and arranging for the approval of credit lines for the clients, liaising
with the CDT OPS (Credit Operations) for the execution of the security documentation.
Interaction with the IB Division for PE deals, structured finance, strategic investments in the listed
companies, key contact between the client and the IB team. Also looking out for investors in the primary &
secondary markets, referral of the leads to the global relationship team for international divisions of the
corporates.
Covering the key risk and mitigants involved in credit analysis on various fronts like financial analysis (key
ratios like debt/equity, liquidity, capital structure etc), industry analysis (conduct CIBIL, RBI, MCNF checks)
etc.
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Analyzing the acquisitions thoroughly made by the company and the effect of the same on current
structure of the company.
Interfacing with the CRM for the approval of the credit cases, renewals, enhancement of the credit lines,
resolution of the query raised by CRM in order to arrange for approvals of the credit limits.
Managing client expectations in terms of timelines by liaising directly/indirectly with clients to procure
information, and ensuring strict adherence to timelines both for reviews, enhancements and new
proposals.
Conducting the factory visit of the company in order to assess the realistic manufacturing capabilities of
the company, assess the activity level at the factory premise, stock valuation etc.
RELATIONSHIP MANAGER
YES Bank Limited, Ahmedabad (Mar 2006 - Apr 2008)
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Started the Business Banking & Emerging Corporate segment for Yes Bank Limited for Ahmedabad region
(Gujarat).
Facilitated structuring of the business deals for financing the mid-sized corporates.
Generated business for bank in terms of asset building i.e. Fund Based facilities, NFB facilities also looking
to develop business for liabilities and Forex Products.
Built a team for development of the customer base in terms of liabilities and corporate deposits.
Interacted with the National risk head and prepared the CAM (credit approval memorandum) for the limit
set up of the various credit facilities.
Reported to Regional Head for the business development and prepared presentation for future strategies
and product comparison across the banks in the region.
Interaction with the Investment banking team for the potential acquisition deals, identify investors for
buying out/investing in units, Private equity referrals etc. Forwarded highest IB deals in the Gujarat region
to the IB department.
Liaised with the Legal department/Advocates for the creation of Mortgages, title clearance of the properties
and various other aspects of the legal side of the lending.
Executed the documents for various credit facilities like MOE (Memorandum of Equitable Mortgage), DOH
(deed of hypothecation) etc.
Had a cluster base approach (textile pharma, chemical, auto industry etc.) and developed the CRM for the
region.
Major Achievements:
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Successfully organized event with CII (Confederation of Indian Industry) for SME space in Ahmedabad with
Yes Bank as sponsor.
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Instrumental in Asset book size build up to the tune on INR 600 million and a liability base of INR 350 MM.
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Achieved No. 1 performance rating for exceptional performance in the business development for the bank.
SOLUTION MANAGER – Trade & Assets
ICICI Bank Limited, Nashik (Aug 2005 - Feb 2006)
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Handled total Nashik market for SMEG (Small & Medium Enterprises), BBG (Business Banking Group).
Headed a team of 8 Trade Relationship Executives for sourcing business for the bank.
Analysed Balance Sheet and prepared product notes involving details about profile of the company,
promoters profile, management pattern of the company, details of the property and customers & suppliers.
Set up Fund based limits for companies like CC (cash credit facility), Term Loan etc.
Responsible for setting of Non-Fund based limits like LCBD (Letter of credit bill discounting), BG (Bank
Guarantee), LC (Letter of Credit) advising, discounting, CMS (cash management services) etc.
Supervised Foreign Exchange transactions like booking of forward contracts, TRCA (Trade Roaming Current
Account), Derivative etc.
Articleship / Internship
Vishram R Deshpande & Associates, Pune (Duration: 3 years)
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Tax calculation of individuals and filing of income tax returns.
Handling audit assignment for companies; preparing final accounts and then filing the returns in ROC.
Accounting and finalization of accounts for firms and co-operative societies.
Education
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Post Graduate in Investment Banking, ICFAI, in the year 2009
PGDIB, Symbiosis Institute of Management Studies, Pune, 68.10% in the year 2006
Chartered Accountant, The Institute of Chartered Accountants of India in the year 2005
Bachelor of Commerce, Symbiosis College of Arts & Commerce, Pune, 70.50%
Awards/Co-curricular Activities
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Recipient of Certificate of Appreciation from District Adult Education Officer, Udaipur.
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Runners-Up in Badminton, Symbiosis, Pune.
Completed Basic Course of ‘Art of Living’.
Personal Particulars
Date of Birth: 17 November 1980
Computer Skills: Windows 95/98, MS Office, Tally 6.0, Lotus
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