Abhinav Anand is seeking a challenging position utilizing his knowledge and skills in areas like finance, analytics, leadership, and relationship management. He has over 9 years of experience in treasury, fund raising, cash management, and credit underwriting for financial institutions. Currently, he is a Senior Manager of Treasury at Janalakshmi Financial Services, where he has raised over 800 crores in funding and expanded partnerships from 10 to 30 banks.

1. 1 | P a g e
ABHINAV ANAND
Mobile: +91 8123004662; +91 8151957074
E-Mail: abhinav.aanand@gmail.com
Seeking a challenging position that will utilize my knowledge, along with analytical and leadership skills and
provide me an opportunity towards organizational as well as personal growth
Academia
2005 MBA (Finance) – ICFAI Business School, Hyderabad
2001 B.Com from Patna University, Patna
Professional Contour
Janalakshmi Financial Services Private Limited Sep ’10 – Till Date
Senior Manager, Treasury
Key Deliverables:
 Reporting to CFO| Cash & Treasury Management |Liquidity at optimum cost |Investor Base Expansion
|Alternate Sources of Funding |Planning-Budgeting |Relationship Management |CMS|Financial Planning
|Asset-Liability Management
Notable Accomplishments:
 Raised INR 80 crore in the first six months despite loss making balance sheet and Industry crisis. Cracked
first ever NCD deal for the company.
 Raised over INR 270 crore of debt in my first full year with the company – getting 11 new relationships
including 3 public sector banks, 4 private banks, 2 new NCD investors and 2 NBFCs.
 Set a new benchmark by raising over INR 800 crore the next year and 11 new partners (lenders including 7
new banks) when the company posted a very small profit for the first time. Bagged an award for
“Excellence” for expanding the lender base and taking number of partner banks from 10 to 30 in a span of
two years.
 9+ years of significant cross functional experience in the realm relationship management/ treasury/credit
underwriting/Cash Management Services, banking and fund raising.
 An astute and versatile professional with expertise in the entire gamut of Treasury Products and Operations
/ funds planning/ cash management and credit underwriting in Banking/ NBFC and Corporate domains.
 Currently associated with Janalakshmi Financial Services Private Limited as Senior Manager, Treasury with
key focus on fund management – sourcing and deployment.
 Exposure to deftly handling both asset and liability side of the balance sheet.
 Ingrained ability to Plan, Process, Strategize and Implement process enhancements and monitoring cash
flows, preparing forecast and planning the variety and source of funding.
 MBA [Finance] with excellent interpersonal skills, with a high degree of flexibility and resourcefulness.
Credit Underwriting Fund Raising Relationship Management
Treasury Cash Management Asset-Liability Management
Cross-Selling Team Management & Training Aggressive, Go-Getter Attitude

2. 2 | P a g e
 Have been instrumental in securitization (both bilateral and SPV model) of over INR 525 crore thereby
providing an alternate source of funding at cheaper cost.
 Set-up robust and scalable Cash Management Services in the Company to ease operations and cash
handling at branches. Started with 17 branches and took it to 167 branches in 85 locations across 16 states. It
reduced overnight float in the branches reducing risk and insurance cost.
 Issued NCDs worth INR 250 crore to domestic mutual funds – another “first” for the Company.
 Put in place ALCO policy, Investment policy and FX risk management policy for the company and got it
approved from the board of directors.
 Have been part of the core team managing financial due diligence for equity infusion over 4 rounds
amounting to INR 53 crore, INR 80 crore, INR 325 crore and INR 462 crore in that order.
CitiFinancial Consumer Finance India Limited Dec ‘06 – Aug ‘10
Manager, Treasury
Key Deliverables:
 Support the treasurer in ensuring adequate liquidity for the franchise at optimum cost | Adherence to
Citigroup’s risk policies |Expanding investor base |Plan alternate funding sources
Notable Accomplishments:
 Successfully handled products including- Non Convertible Debenture, Equity Linked Debentures,
Commercial Papers, Swaps, Forwards, Cash-Credit, WCTL, Term Loans and CMS
 Instrumental in issuing first ever equity linked debentures by CitiFinancial in February ’08.
 Setting up ECS return management process which led to substantial saving for the company.
 Restructuring of PDC presentation process that led to reduction in TAT and cost.
 Bagged awards for
 “Leader of Citi” for outstanding performance.
 “Bravo” for substantial cost saving and managing PDC presentation.
 “You made a difference” for managing investor relationship well.
HDFC Bank Ltd., Mumbai Apr ‘05 – Nov ‘06
Relationship Manager, Business Banking
Key Deliverables:
 Relationship Management |First Level Credit Buying |Achieving top line and bottom line targets | Cross
Selling | operational and financial risks identification
Notable Accomplishments:
 Introduced and cracked the deal for forward cover to existing clients in May 2006 – first initiative for
Business Banking PAN India. And thereafter number of deals followed.
 Consistently achieved business banking targets for all Navi Mumbai branches – traditionally not aware
about the product. The same was achieved by personally conducting training for branches to make them
aware about the product and help them identify potential customer.
 Contributed significantly in terms of liability targets when mandated, by over achieving Time Deposit and
Insurance Cross Sell target set by the unit.
AREAS OF EXPERTISE
Relationship Management/ Treasury/ Cash/ Credit/ Fund Management
 Adept at monitoring cash flows, preparing forecast and planning the variety and source of funding.

3. 3 | P a g e
 Coordinating with and managing business partners (arrangers/ bankers/ rating agencies) to ascertain
adequate liquidity for the franchise.
 Working very closely with banks – preparing proposals and responding to subsequent credit queries to
ensure planned funding from the banks.
 Planning and executing new funding structures to broaden investor base, and also to facilitate lower
borrowing cost and timely liquidity.
Asset Liability Management
 Anchoring the monthly ALCO meetings of the company and giving active inputs on asset liability
management and market updates.
Business Development/ Product Development/ Sales Enhancement
 Identifying and developing new streams for long-term revenue growth and maintaining relationships with
customers to achieve repeat/ referral business.
 Maintain healthy portfolio by evaluating SME customer credit needs based on predetermined criteria and
sound judgment, ensuring credit proposals are within lending guidelines. Also, identify operational and
financial risks and early warning signs of business failure.
 Ensuring effective Cross Selling of products to the existing clients.
 Conducting competitor analysis by keeping abreast of market trends to achieve market share.
Strategic Inputs/ Initiatives
 Key contributor to enterprise-level planning and decision-making.
 Risk monitoring and reporting to top management. To ensure a proper mix of long term funding and short
term funding so as not to expose the company to price risk and liquidity risk.
 Proficiency in driving growth, generating revenues, capturing market share, improving profits and
enhancing value in domestic markets.
 Involved in the conception and execution of business strategies for business enhancement.
Team Management
 Leading, training and motivating teams ensuring their career development leading to positive contribution
to the performance of the company.
 Displayed strong leadership skills and excellent relationship management skills with proven ability to co-
ordinate with people across functions to maximize productivity.
 Creating & sustaining a dynamic environment that fosters development opportunities & motivates high
performance amongst team members.
Co-Curricular Indulgence
 Won 3rd prize in Marketing Quiz in Management Meet organized by TAPMI, Manipal.
 Received scholarship from College throughout MBA course for exceptional academic performance.
 Member of Students’ Forum, ICFAI Business School, Hyderabad.
 Organized “Zeitgeist” Inter School Literary and Cultural event in Patna in 2001
Personal Dossier
Date of Birth: December, 1980
Languages Known: English, Hindi
Address: 302, N R Spring Woods, 10th Cross, MCECHS Layout, Shivaram Karanth Nagar, Bangalore
Passport Details: H4729316