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Vikas Agrawal

Vikas Agrawal

Kolkata, West Bengal, India
Member since August 11, 2016
Vikas has independently managed a Citi bank portfolio of over $300 million for the entire East India market. He enjoys freelancing as it provides a unique opportunity to work with a wider variety of clients, businesses, and company maturities. Vikas has significant experience in the banking and financial services sector. During his stint with Citi & S&P, he worked extensively with senior executives/CFOs of high growth companies/startups.
Vikas is now available for hire
Career Highlights
Case studies
Industry Expertise
  • Banking
  • Financial Services
Other Expertise
  • Credit Modeling
  • Debtor & Creditor Management
  • Financial Forecasting
  • Financial Management
  • Industry Analysis
  • Risk Management
  • Credit Controller & Risk Manager
    2016 - PRESENT
    Floship (Hong Kong based eCommerce startup)
    • Ensured an immediate turnaround in the cash flow cycle with over 150% improvement in month-on-month cash flow cycle. Prepared a credit control mechanism to check credit worthiness of around 100 customers and categorize them into low, high, and medium risk.
    • Developed strategic plans to prepare a reporting system—showed improvement in the cash flow cycle and setting up credit limits and on-boarding criterion for the customer.
    • Worked directly with the senior management and the legal team for amicably resolving long outstanding and non-collectible accounts including debtor disputes.
    • Integrated the finance department with the ops & tech team for monitoring overdue invoices, customer stock holdings, and daily order execution.
    • Fast-tracked a turnaround in the cash flow situation, receivable cycle, and overall financial flexibility/liquidity of the company.
    Focus areas: Debtor & Creditor Management, Working Capital Management, Cash Flow Management, Financial Planning & Analysis (FP&A)
  • Content Head for the CFA Prep Provider
    2015 - 2016
    • Built CFA educational material for the startup site.
    • Tested the functionalities of the website and app; providing feedback to the tech team.
    • Drove product pricing initiatives for the online educational offering into Gold, Silver, and Bronze levels of service.
    • Provided actionable insights on business performance and the effectiveness of the marketing strategy to the founder of the company.
    Focus areas: CFA Level 1 Webinars
  • Portfolio Risk Manager
    2015 - 2016
    Citi Bank
    • Managed the credit and risk approving construct within the commercial banking division. Independently managed a USD 300 MM portfolio for the entire region.
    • Assessed client performance based on the business, management, and financial profile involving in-depth analysis of the financial and business models of customers. Developed a company specific financial model and ratio analysis in various scenarios.
    • Managed over 35 clients and adjudging their business and financial performance through regular client interaction on changes in economic, political, and industry dynamics.
    • Handled strategically stressed accounts within the portfolio through concurrent highlights to the senior risk management team about the latest happenings on business and risk performances of these clients.
    • Executed actionable items to ensure minimal cost of credit to the organization.
    Focus areas: Financial Risk Assessment, Lending, Underwriting, Credit Analysis, Mortgage, Risk Management, Credit Control, Commercial Banking
  • Financial & Business Analyst
    2010 - 2015
    CRISIL (Standard & Poor's company)
    • Drove the process of credit ratings (directly rated over USD 1 billion of debt/financial products) and coordinated with clients at a senior level.
    • Conducting in-depth analysis of companies using an economy-industry-company approach so as to analyze the business & financial risk of the company.
    • Monitored the performance of a team of 4 members to ensure efficiency in the operations and meeting of individual & group targets.
    • Coached and developed other analysts through knowledge transfer, best practice sharing, and training sessions, as appropriate.
    • Preparing credit reports and rationales entailing the entire gamut of the information-sectorial presence of a company, its existing and future financial positions, operating efficiencies, management track record, and peer comparison.
    • Represented CRISIL while meeting the top management of a company to get an insight into the company's operations and business model.
    • Projected the future financial position of the company.
    • Made presentations to the CRISIL’s Rating Committee.
    Focus areas: Business Analysis, Debtor & Creditor Management, Financial Risk Assessment, Financial Planning & Analysis (FP&A), Credit Rating, Financial Modeling, Risk Management
  • Audit & Accounts Executive
    2006 - 2009
    Lodha & Co. (BDO International Co.)
    • Prepared, as an intern, the accounts books along with annual, half year, and quarterly reporting.
    • Performed accounting, bank reconciliation, cash flow management, budget/planning, and variance analysis.
    • Set up a robust management information system (MIS) structure for performance monitoring and review of a business for clients.
    Focus areas: Accounting, Audit, Financial Reporting, Budgeting, Tax
  • Chartered Financial Analyst (CFA) Certification in Financial Analysis
    2009 - 2011
    CFA Institute - USA
  • Financial Risk Manager (FRM) Certification in Financial Risk Management
    2010 - 2010
    Global Association of Risk Management (GARP) - USA
  • Chartered Accountant Certification in Accounts, Tax, and Finance
    2006 - 2009
    Institute of Chartered Accountants of India - India
  • Bachelor's degree in Commerce
    2003 - 2006
    Calcutta University - Kolkata, India
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