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divine_persona

Tanmay K

@divine_persona

Chartered Accountant Investment Business Analysis

India
English, Hindi
About me
I am a Chartered Accountant specializing in investment and business analysis with a focus on credit underwriting and capital allocation. I have experience managing over ₹1,000 Cr in SME disbursements and identifying significant governance discrepancies through forensic audits. I prioritize cash flow quality and downside protection, applying financial rigor to evaluate renewable energy platforms and emerging tech unit economics.... Read more

Skills

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divine_persona
Tanmay K
Offline • 

See my services

Personal Growth & Self-Discovery
I will help you with life and personal growth
From$25 / projectMore details

Work experience

HSBC

HSBC

Full-time • 1 yr 9 mos

Relationship Manager

Jun 2025 - Oct 2025 • 4 mos

Managed an assigned SME credit portfolio with ticket sizes of ₹50–200 Cr. Conducted ongoing business performance assessments, covenant compliance reviews, and credit risk monitoring to assess borrower viability. Developed structured views on SME business models across manufacturing, logistics, and services for financial and operational assessment.

Industrial Trainee, Credit & Risk

Nov 2023 - Apr 2025 • 1 yr 5 mos

Supported credit appraisal across 30 SME accounts aggregating to INR 1,000 Cr in loan disbursements. Conducted financial analysis covering leverage, DSCR, working capital cycles, and business model sustainability. Monitored portfolio health through covenant compliance tracking and early warning signal identification for risk assessment.