Sandeep Mathur, Finance Expert in Mumbai, Maharashtra, India

Sandeep Mathur

Finance Expert

Location
Mumbai, Maharashtra, India
Toptal Member Since
December 17, 2020

As a banking and finance professional, Sandeep has advised and executed over $15 billion of debt and capital market transactions for large and mid-sized corporations. After working for top global and local banks (Barclays, Standard Chartered, HSBC, ICICI, and YES Bank), he co-founded a niche consulting practice. Sandeep joined the Toptal network to leverage his expertise on strategic projects related to financial modeling, capital structuring, business analysis, and fundraising.

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Career Highlights

Group Executive Vice President
YES Bank (Leading Indian Private Bank)
Associate Director (Corporate Banking)
Barclays Bank, India
Senior Credit Analyst (Corporate Banking)
Standard Chartered Bank (India)

Education

Master of Business Administration (MBA)
Xavier School of Management (XLRI)

Select Certifications

Chartered Accountant (CPA Equivalent)
Institute of Chartered Accountants, India (AICPA Equivalent)

Case Studies

Image of Pitch Book for Early-stage Financing (Receivable Financing Company) project
Pitch Book for Early-stage Financing (Receivable Financing Company)
Financial ModelingPitch BooksEquity ValuationBusiness PlanningThree-statement ModelingBusiness Modeling+ 11 more
Image of Three-statement Modeling and Financial Analysis for an Airline Company project
Three-statement Modeling and Financial Analysis for an Airline Company
Three-statement ModelingDebt StructuringProject FinanceFinancial AnalysisStructured FinanceMergers & Acquisitions (M&A)+ 9 more
Image of Projection and Valuation for 4-year-old Industrial IoT Company project
Projection and Valuation for 4-year-old Industrial IoT Company
Equity ValuationThree-statement ModelingDebt StructuringFinancial ModelingBusiness ModelingPitch Deck Consultant+ 9 more

Expertise

Business PlanningDebt StructuringEquity ValuationFinancial AnalysisFinancial ModelingFundraisingStrategyThree-statement Modeling

Work Experience

2020 - PRESENT

Chief Risk Officer

Visolent India Pvt
  • Served as a part-time consultant in the CRO role. Visolent is a fintech startup, focusing on receivable financing for small and medium enterprises and assisting in gaining access to overseas markets through buyer profiling and export factoring.
  • Developed a five-year financial model for the company and calibrated the seed funding requirement ($5 million) and valuations for proposed equity issuance. Co-created the investor pitch book in collaboration with the original founders.
  • Collaborated with the technology team to develop the lending platform, incorporating client onboarding, credit decisioning, and transaction processing.
  • Developed a proprietary multivariate credit scorecard, allowing credit decision-making in one hour.
  • Developed the complete lending framework and policies for the business and the business plan and strategy for specific industries including retail, electrical components, pharma, chemicals, textiles and garments, and engineering.
Focus areas: Pricing Models, Cash Flow Modeling, Interim CFO, Budget Modeling, Financial Reporting, Pitch Decks, Technology, Pricing, Budgeting, Startups, Valuation, Equity Valuation, Risk Management, Early-stage Startups, Seed Fundraising, Business Strategy, Fintech, Credit Risk, Risk Models, Revenue & Expense Projections, Manufacturing, Cash Flow Management, Business Plan Consulting, Financial Planning & Analysis (FP&A), eCommerce, Debt Financing, Finance Strategy, Loans, Business Models, Financing, Forecasting, Comparable Company Analysis, Valuation Modeling, India, FIG, Financial Analysis, Startup Funding, Fintech Consultant, CFO, Key Performance Indicators (KPIs)
2018 - PRESENT

Partner and Co-founder

Ikigai Strategy Consultants LLP
  • Established a niche consulting outfit with a group of professionals, advising clients on sustainability, business, and financial strategy with a key focus on co-creating sustainable business purposes and related frameworks and business models.
  • Developed a business strategy and roadmap for environmentally friendly packaging for the domestic business of a global confectionery brand.
  • Ensured that the long-term cost and business impact analysis of different packaging options comply with extended producer responsibility (EPR) regulations.
  • Formulated a sustainable purpose, business strategy, and roadmap for a mid-sized building material company. Developed a five-year business plan and equity funding strategy.
  • Provided consulting to M1xchange, a digital marketplace for financing receivables by banks and finance companies. Advised and assisted the company in developing its business strategy, partnerships, credit evaluation, and Series A fundraise.
Focus areas: Pricing Models, Cash Flow Modeling, Interim CFO, Budget Modeling, M&A (Buy-side), M&A (Sell-side), Financial Reporting, Pitch Decks, Pricing, Budgeting, Business to Business (B2B), Business Development, Startups, Valuation, Early-stage Startups, Equity Valuation, Industry Analysis, Fundraising, Retail & Wholesale, Equity Financing, Market Research & Analysis, Pitch Deck Consultant, Business Modeling, Business Planning, Financial Advisory, Sustainability, Strategy, Revenue & Expense Projections, Cash Flow Management, Business Plan Consulting, Capital Raising, Financial Planning & Analysis (FP&A), eCommerce, Finance Strategy, Business Models, Forecasting, Comparable Company Analysis, Consumer Packaged Goods (CPG), Valuation Modeling, India, Clean Energy, Investor Presentations, FIG, Startup Funding, Fintech, Fintech Consultant, CFO, Asia-Pacific (APAC), Consumer Products, Key Performance Indicators (KPIs)
2012 - 2017

Group Executive Vice President

YES Bank (Leading Indian Private Bank)
  • Structured and executed transactions amounting to $1.2 billion across debt markets, project finance, equity financing, and M&A for leading Indian corporates. Managed a book of $1.5 billion in trade and working capital assets.
  • Generated 100% growth in income ($25 million) as the head of large corporate for Western India. Managed a portfolio of pharmaceutical, chemical, oil and gas, telecom, infrastructure, renewable energy, and technology corporates.
  • Managed the credit evaluation process in terms of corporate analysis (financial, business, and industry analysis), deal structuring, and risk monitoring. Advised clients on their capital structure, banking, and financing requirements.
  • Co-developed a restructuring proposal for a stressed engineering corporate with a global presence: asset monetization, equity infusion, and conversion of debt into equity (deal value $125 million). Reduced bank exposure by 30% through the process.
  • Executed term financing of $80 million for a cable company to fund the digitalization of its subscriber base of six million. Syndicated part of the facility, preparing the IM with projections (pricing scenarios and cross-sell) and credit structuring.
  • Funded the acquisition of diversified assets by the family office of a leading Indian conglomerate: renewable energy (50 MW), real estate (two million square feet), and distressed debt ($125 million).
  • Developed, as part of a core team, the bank's transformation as a digital financier. Pioneered the first blockchain transaction in India's banking space, increasing digital payments through strategic partnerships.
Focus areas: Cash Flow Modeling, Budget Modeling, Financial Reporting, M&A (Buy-side), M&A (Sell-side), Technology, Budgeting, Business to Business (B2B), Business Development, Lending, Investment Banking, Strategy, Telecommunications, Renewable Energy, Real Estate, Digital Strategy, Pharmaceuticals, Healthcare, Mergers & Acquisitions (M&A), Trade Finance, Credit Analysis, Business Modeling, Business Planning, Financial Modeling, Debt Structuring, Equity Valuation, Financial Restructuring, Financial Analysis, Fundraising, Risk Models, Revenue & Expense Projections, Manufacturing, Cash Flow Management, Business Plan Consulting, Capital Raising, Credit/Debt, Financial Planning & Analysis (FP&A), eCommerce, Debt Financing, Finance Strategy, Loans, Business Models, Financing, Forecasting, Comparable Company Analysis, Consumer Packaged Goods (CPG), Valuation Modeling, India, Clean Energy, Investor Presentations, FIG, Startups, Fintech, Fintech Consultant, CFO, Consumer Products, Key Performance Indicators (KPIs), Distressed Assets
2010 - 2011

Associate Director

HSBC, India (Global Banking)
  • Managed a portfolio of leading multinational corporations (Hindustan Unilever, CLP India, Johnson & Johnson, and Holcim Group) for funding, trade, cash management, and other banking requirements.
  • Participated in a $288 million syndicated external commercial borrowing to refinance high-cost debt for a 1.32GW power project. Coordinated with the project finance team for project evaluation, legal documentation, and execution of the transaction.
  • Structured a cash management and supply chain solution across multiple locations and sales channels for a leading FMCG corporate. The solution enabled the corporate to reduce lead time by 20%.
Focus areas: Cash Flow Modeling, Business Development, Lending, Investment Banking, Pharmaceuticals, Equity Financing, Project Finance, Renewable Energy, Retail & Wholesale, New Business Development, Credit Analysis, Business Modeling, Fundraising, Three-statement Modeling, Debt Structuring, Financial Modeling, Cash Management, Risk Models, Manufacturing, Cash Flow Management, Capital Raising, Credit/Debt, Debt Financing, Finance Strategy, Loans, Financing, Forecasting, Comparable Company Analysis, Valuation Modeling, India, Clean Energy, Financial Analysis, Asia-Pacific (APAC), Consumer Products, Distressed Assets
2007 - 2010

Associate Director (Corporate Banking)

Barclays Bank, India
  • Developed, as part of the initial team, the corporate banking business for Barclays in India. Originated banking relationships with corporate clients and activated credit limits in excess of $300 million in a span of two years.
  • Analyzed key industries (healthcare, engineering, infrastructure, power, FMCG, and electrical) for credit and regulatory risk and future growth—part of a client acquisition strategy approved by senior management as part of the segment business plan.
  • Developed, as part of a team, a fixed tenor fund where non-resident Indians could invest, and the funds would be deployed in debt or equity in rated Indian corporates. Focused on deploying the funds ($200 million) in Indian corporates.
  • Structured offshore financing with a mix of quasi equity and debt ($30 million) for an overseas subsidiary of an Indian infrastructure company's government projects in Algeria.
  • Promoted to the head of trade origination in my final year at the bank. Streamlined product offerings with an increased focus on high-value transactions and built an import finance book in excess of $275 million within a short span of nine months.
Focus areas: Pricing Models, Financial Reporting, Business Development, Lending, Investment Banking, Industry Analysis, Equity Financing, Valuation, Supply Chain, Real Estate, Healthcare, New Business Development, Credit Analysis, Financial Modeling, Strategy, Fundraising, Business Planning, Trade Finance, Three-statement Modeling, Risk Models, Revenue & Expense Projections, Manufacturing, Cash Flow Management, Capital Raising, Credit/Debt, Debt Financing, Loans, Business Models, Financing, Forecasting, Consumer Packaged Goods (CPG), India, FIG, Financial Analysis, Asia-Pacific (APAC), Consumer Products, Distressed Assets
2002 - 2006

Senior Credit Analyst (Corporate Banking)

Standard Chartered Bank (India)
  • Managed a portfolio of large Indian corporates for credit evaluation, deal structuring, and execution. Analyzed and presented facilities amounting to $1.4 billion for credit approval.
  • Developed, as part of the team, the product strategy for the bank’s initial foray into the diamond and jewelry and higher education sectors (segmenting, deciphering key players, business models, formulating lending solution, and risk mitigation).
  • Served as lead analyst for the deal team (financial modeling and deal execution support) for syndicated fundraising by a leading domestic airline (sale and leaseback of three aircraft and pre-delivery financing for five aircraft).
  • Participated, as part of the deal team (local company valuation, financial projections, and local regulations), in a $135 million financing for the acquisition of a domestic beer company by the leading SABMiller group.
  • Structured, as lead analyst, a capital requirement of $100 million for an emerging shipbuilding corporate through a mix of debt and equity. Assisted the group's private equity arm for the equity investment.
Focus areas: Cash Flow Modeling, Financial Reporting, Business Development, Lending, Investment Banking, Pharmaceuticals, Equity Financing, Aircraft & Airlines, Food & Beverage, Real Estate, Education, Valuation, Healthcare, Mergers & Acquisitions (M&A), New Business Development, Credit Analysis, Business Modeling, Equity Valuation, Three-statement Modeling, Debt Structuring, Business Planning, Industry Analysis, Risk Management, Financial Modeling, Manufacturing, Capital Raising, Credit/Debt, Debt Financing, Loans, Financing, Consumer Packaged Goods (CPG), India, Financial Analysis, Consumer Products, Distressed Assets

Education

1997 - 1999

Master of Business Administration (MBA) in Finance and Management

Xavier School of Management (XLRI) - Jamshedpur, India

Certifications

JUNE 1996 - PRESENT

Chartered Accountant (CPA Equivalent)

Institute of Chartered Accountants, India (AICPA Equivalent)