Sandeep Mathur, Finance Expert in Mumbai, Maharashtra, India
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Sandeep Mathur

Verified Expert  in Finance

Finance Expert

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

Sandeep has analyzed 1,000+ corporates and closed debt, equity, and M&A transactions of over $15 billion as a finance professional. After working for 20+ years in top-tier banks like Barclays, HSBC, and Standard Chartered, he now advises growth companies, leveraging his expertise in modeling, fundamental analysis valuation, and fundraising. As a seasoned problem solver, Sandeep has worked as a fractional CFO for startups, advised on early-stage funding rounds, and designed pricing models.

Business DevelopmentStructured FinanceInterim CFOBusiness Plan ConsultingPitch Deck ConsultantFintech ConsultantFundraisingFinancial ReportingFinancial ModelingCredit AnalysisProject FinanceMergers & Acquisitions (M&A)ValuationRevenue & Expense ProjectionsFinancial Planning & Analysis (FP&A)Trade FinanceBusiness Plan WritingBusiness Proposal Writing

Career Highlights

Senior Credit Analyst of Corporate Banking
Standard Chartered

Education Highlights

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

Certification Highlights

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

Case Studies

Work Experience

Part-time Chief Risk Officer

2020 - PRESENT
Visolent India Pvt
  • Served as a chief risk officer at Visolent, a fintech startup focusing on receivable financing for SMEs and assisting them in export markets, i.e., buyer profiling and export factoring.
  • Developed a complete lending framework, credit policy, and customer gating criteria.
  • Created a proprietary multivariate credit scorecard for credit decision-making.
  • Collaborated with the technology team to develop an online lending platform that reaches credit decisions in 90 minutes, incorporating client onboarding and transaction processing.
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), Fundraising, Financial Modeling, Pitch Deck Consultant, Credit Underwriting, Credit Ratings

Fractional CFO

2021 - 2023
Swiss Global Payment Startup
  • Set up the accounting and finance function, including KPIs, payment system, and cash flow management.
  • Developed product pricing, a framework for evaluating payment partners, and competitor benchmarking as part of a business strategy. Assisted in product development, ALM, and regulatory reporting.
  • Developed the financial plan, pitch deck, funding plan, and cap table.
Focus areas: Treasury Management, Treasury & Liquidity Management, Financial Planning & Analysis (FP&A), Fintech, Fractional CFO, Accounting, CFO, Treasury, International Payments, Policies & Procedures Compliance, Foreign Exchange, Foreign Currency, Pitch Decks, Seed Fundraising, Cap Tables, Financial Modeling, Business Strategy, Pricing Models, Three-statement Modeling, Cash Flow Modeling, Strategy, Equity Valuation, Pitch Deck Consultant, Early-stage Startups, Valuation, Software as a Service (SaaS)

Fractional CFO and Valuation Expert

2021 - 2023
Trillium Beverages Pvt. Ltd.
  • Streamlined the finance operations and prepared the company for growth and future fundraising.
  • Built a dynamic business and financial plan, factoring in multiple scenarios and strategies. Operationalized the plan in terms of cost, workforce, and product launches.
  • Analyzed existing business and operations, diagnosed critical gaps, and recommended future strategies.
Focus areas: Financial Modeling, CFO, Valuation Modeling, Forecasting, Financial Planning & Analysis (FP&A), Budgeting, Business Strategy, Pricing Models, ESOPs, Strategy, Accounting, Equity Valuation, Early-stage Startups, Valuation

Partner and Co-founder

2018 - 2021
ikigaiStrategy Consultants
  • Founded a niche consulting outfit advising clients on sustainability, business, and financial strategy. Co-created sustainable business purposes, frameworks, and business models.
  • 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 fundraising.
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), Startups, Industry Analysis, Retail & Wholesale, Equity Financing, Market Research & Analysis, Business Planning, Sustainability, 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 Consultant, CFO, Asia-Pacific (APAC), Consumer Products, Key Performance Indicators (KPIs), Pitch Deck Consultant, Software as a Service (SaaS), Credit Underwriting

Group Executive Vice President

2012 - 2017
YES Bank
  • Structured and executed transactions amounting to $1.2 billion across debt markets, project finance, equity financing, and M&A. Managed a book of $1.5 billion with an annual income of $25 million.
  • Analyzed and created financial projections of companies across multiple industries, including consumer packaged goods, IT services, real estate, pharmaceutical, chemical, oil and gas, telecom, infrastructure, renewable energy, and technology.
  • Advised a multi-country engineering company on business restructuring, including asset monetization, equity infusion, and conversion of debt into equity. The deal value was $125 million.
  • Funded the acquisition of diversified assets by a family office of a leading Indian conglomerate, including renewable energy assets of 50 Mw, real estate assets of two million square feet, and distressed debt of a total deal value of $125 million.
Focus areas: Cash Flow Modeling, Budget Modeling, Financial Reporting, M&A (Buy-side), M&A (Sell-side), Technology, Budgeting, Business to Business (B2B), Lending, Investment Banking, Telecommunications, Renewable Energy, Real Estate, Digital Strategy, Pharmaceuticals, Mergers & Acquisitions (M&A), Credit Analysis, Debt Structuring, 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, Project Finance, Credit Underwriting, Credit Ratings, Debt, Structured Finance, Investments, Specialty Finance

Associate Director

2010 - 2011
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, Business Modeling, Fundraising, Financial Modeling, 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, Trade Finance, Mergers & Acquisitions (M&A), Healthcare, Debt, Structured Finance, Structured Products, Investments, Specialty Finance

Associate Director of Corporate Banking

2007 - 2010
Barclays India
  • Developed the corporate banking business for Barclays in India as part of the initial team. Activated credit limits of over $300 million in two years.
  • Promoted to the head of trade origination in my final year at the bank. Streamlined product offerings and built an import finance book of over $275 million.
  • Structured offshore financing with a mix of quasi-equity and debt of $30 million for an overseas subsidiary of an Indian infrastructure company working on government projects in Algeria.
Focus areas: Pricing Models, Financial Reporting, Business Development, Lending, Investment Banking, Industry Analysis, Equity Financing, Valuation, Supply Chain, Real Estate, Healthcare, Credit Analysis, Strategy, 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, Debt Structuring, Project Finance, Debt, Structured Finance, Investments

Senior Credit Analyst of Corporate Banking

2002 - 2006
Standard Chartered
  • Developed, as part of the team, a product strategy for the bank's initial foray into the diamond and jewelry and higher education sectors, i.e., segmenting, deciphering key players, business models, formulating lending solutions, and risk mitigation.
  • Served as a lead analyst providing financial modeling expertise and deal execution support for syndicated fundraising for a domestic airline. Facilitated the sale and leaseback of three aircraft and secured pre-delivery financing for five aircraft.
  • Participated, as part of the deal team focused on 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 with 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), Credit Analysis, Business Modeling, Equity Valuation, Three-statement Modeling, Debt Structuring, 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
1997 - 1999

Master of Business Administration (MBA) in Finance and Management

Xavier School of Management (XLRI) - Jamshedpur, India

JUNE 1996 - PRESENT

Chartered Accountant (CPA Equivalent)

Institute of Chartered Accountants, India (AICPA Equivalent)

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