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• Updated the daily closing balances in the liquidity status file and reported the main drivers of the cash balances to the stakeholders • Forecasted the rolling medium term liquidity position ($400mn-500mn), identified drivers of deficits & surpluses, provided updates to management on anticipated cash needs, and aided in working capital (A/P & A/R) management • Aided in the creation of payment runs, IC transfers, and other ad-hoc transfers in the Nomentia and banking platforms such as HSBC and BNP • Participated in User Acceptance Testing for SAP S/4 HANA implementation of treasury applications • Contributed to Treasury operations at Hugo Boss by assisting with intercompany netting, loans, and global cash positioning, while aligning tax strategies to cash flow needs and enterprise-wide objectives • Led project on hygiene check of ~500 Bank Guarantees of worldwide real estate leased sites in SAP by collaborating with bank authorities to identify inactive bank guarantees and take necessary action in SAP • Acted as Subject Matter Expert for continuous market research and monitoring of interest rate, currency, and country risks, presenting monthly forward-looking reports to treasury leadership • Created presentations and accurate financial reports as part of investors reporting

07/2019 – 09/2021 Deputy Manager (Credit Analysis & Branch Operations) – Bank of Maharashtra – India• Managed relationships with auditors, oversaw internal & external audits, and compliance with banking standards; leading to reduction of audit lapses • Responsible for monitoring and supervision of branch operations, leading team of assistant managers & clerks, monitoring transactions, overseeing closing monthly, quarterly, and yearly closing • Undertook credit analysis and credit rating activity of 200+ B2B & B2C loan applications by analyzing & assessing financial statements, credit scores, collateral, industry & economic factors, and proper documentation • Served as a controller for costs and budget by continuous monitoring of budget and business, calculating monthly variance, taking course correcting actions, and updating the management along with strategic advice • Monitored the performance of the credit portfolio and carried out recovery and restructuring processes for non-performing assets (NPA), leading to successful conversion of ~ 40% NPAs to performing assets in FY 202004/2017 – 06/2019 Deputy Manager (Treasury, Risk & Foreign Exchange) – Bank of Maharashtra – India• Ensured adherence to Basel guidelines by keeping liquidity coverage ratio above 100% by short-term liquidity planning, forecasting cash flow, and arranging funding from MM, Interbank Market, and foreign & domestic debt market • Responsible for managing portfolio of liquid funds by trading in T-bills, CP, Repos, ETFs, and Call & Notice Money, earning ~2% ROI on an average and optimizing risk profile of investment products • Daily reporting of funds inculcating duration, time to maturity, interest rate risk, and daily portfolio value • Managed ~20 Nostro accounts with international banks, carried out due diligence of banks, negotiated lower fees and overdraft limits, monitored monthly charges, and ensured optimized FX liquidity in the accounts • Led project for faster and secure SWIFT payments by integrating data from bank’s various IT platforms; leading to optimized operational synergy and enhanced security • Hedged FX and interest rate risks with derivatives (INR 500-600 Mn p.a.) and managed AGL, NOOP, and Counterparty limits to ensure the institution's financial security and regulatory adherence • Conducted in-depth market analysis by actively and monitored global economic trends to make informed decisions regarding currency trading and minimizing FX risk exposure05/2015 - 03/2017 Analyst (Treasury, Risk, & Foreign Exchange) – Bank of Maharashtra –India • Assisted in documentation and maintenance of policies and SOPs related to credit, country and market risks • Conducted regular market research, identified new products and assets, presented the findings to the ALCO and aided in updating of the risk policies, and investment guidelines • Prepared timely reports on the topics of counterparty limits, credit risks, cash liquidity, investment & earnings, risks metrics, FX exposure, NSFR and LCR; as part of regulatory and management reporting to the ALCO