1. NAVIN RAMESH VARIDANI
NAVINVARIDANI@GMAIL.COM
(+91) 98205 48591
PROFESSIONAL SUMMARY
 An astute professional with cross functional expertise in the entire gamut of Credit Analysis
and Audit Operations including NBFC Credit Financing, Banking Practices and Financial
Business Processes
 Currently Associated with Capri Global Capital Ltd as Manager in SME Department for
Internal Audit Department
 Experience in handling functional reporting with key focus on top line profitability by
ensuring optimum utilization of resources
 Build and Manage High Performing Teams of accomplished personnel by creating a
learning organization
 Competent to foster a stimulating work environment and deliver the work with
commitment
EXPERIENCE Total Experience- 9 Years and 6 Months
Manager March 2013 to Present
Internal Audit
SME & Wholesale Lending
Money Matters Financial Services Pvt.Ltd currently Name changed as Capri Global Capital Ltd
New Marine Lines
I am working for Internal Audit Department for this organization and my job responsibilities are as
follows.
 Analyzing Risk Associated in Lending of LAP, Machinery Loans and Wholesale Lending
business and Suggesting changes in the existing process to the management
 Reporting the Process Gaps to the Management
 Online monitoring of OTC and PDD documents as per the Policy.
 Analyzed the Balance sheets and Business Models of Company, Proprietor and Partnership
Concerns of Loan Book worth 500 Cores for Machinery Loans and LAP Cases
 Analyzing the Balance Sheets and Business Models on the basis of Financial Scorecards,
Financial Ratio Analysis, Breakeven Analysis, and Cash Flow Analysis through Various
Ratios such as Current Ratio, Debt-Equity Ratio, Interest Service Coverage Ratio and Debt
Service Coverage Ratio
 Suggesting Changes in the Policy as per the Audit of Files
 Audit of Credit, Operations and Sales Processes and process improvements Post Audit
 Making Presentations to the Management for the findings
 Interviewing Customers before Disbursal of the Loans
Tools: Credit Appraisal Memo, MS-Office Suite including MS Excel & MS Word, Omni Fin
Projects Handled in Capri Global Capital Ltd
 Tracking of EMI Bounce Analysis on the basis of Financial Ratios, Banking and EMI Trends
 System and IT Audit prior to Audit of Ernst & Young External Audit
 Legal Audit of Loan Agreements of the Organization
 Scoring of Branches
Core
Competencies
 Internal Audit
 Analyzing
Balance Sheets
and Business
Models
 Credit Appraisal
 New Process
Setup
 Risk
Management
 Risk Mitigation
 Team
Management
 Cost Reduction
 MIS Reporting
 Liaison
Professional
Courses
 JAIIB Banking
 SME Finance for
Bankers
 AML & KYC
Norms
 Derivatives
Market (Dealers)
Module
 AMFI Mutual
Fund Advisors
Module

2. Assistant Manager July -2010- March 2013 (2 Years and 9 months)
Reliance Capital – Reliance Commercial Finance
Credit –Audit – Credit and Risk Department
Thane( W)
I am in charge of Credit -Audit Process, where my responsibilities are as follows.
 Audit of Auto Loans, Used Car Loans, Commercial Vehicles, Mortgages, S.M.E , Loan
Against Gold, Construction Equipment ,Used Construction Equipment and Used Commercial
Equipment
 Analyzed Auto Loans, Used Car Loans, Commercial Vehicles, Mortgages, S.M.E, Loan Against
Gold, Construction Equipment, Used Construction Equipment and Used Commercial
Equipment of Loan Book worth 2700 Crores
 Handling a Team of 10 members for Pan India Audit of Loan Products of Reliance.
 Analyzing Banking and Financials of SME and Mortgages on the basis of Liquidity Ratios,
Profitability Ratios, Financial Leverage Ratios and Efficiency Ratios
 Analyzing the Banking, and Financials of Salaried and Self Employed Non Professionals for
Auto Loans, Used Car Loans, Commercial Vehicles and Construction Equipment
 Reports and MIS of Hind sighting Products
 Scoring Errors of Branches as a part of Risk Mitigation Activity
 Training to Team Members for New Policy Roll Out and Existing Policies
 Case Studies publishing to Branches
 Making Presentations to Top Management for the Performance of Branches for
Underwritten Cases
 Publishing Error Snapshot on quarterly basis and suggesting trainings to branches for errors
observed
Tools: Credit Appraisal Memo, MS-Office Suite including MS Excel & MS Word, LOS and LMS
Officer August 2008 – June-2010 – 1 year 11 months
The Saraswat Co-operative Bank Ltd
Departments
Commercial Credit Department July 2009 - June 2010
Branch Banking August 2008 –June 2009
Commercial Credit Department
Credit and Risk Management
Fort , Maharashtra
I have worked for Commercial Credit Department for 1 year and a year exposure in Branch Banking.
 Scrutiny of Machinery Loans, Working Capital Loans and Mortgages proposals
 Analysis of Pan India Loan Proposals
 Publishing Policy Deviations to Zones
 Analyzing Financials of the PAN INDIA cases
 Publishing Corrective Action To Branches
 MIS Reports preparations
Branch Banking
Thane ,Maharashtra
I was responsible for
Personal
Information
DOB : 25 Dec 1981

3.  Interviewing Customers for Loan enquiries
 Appraising Auto Loans Used Cars, Commercial Vehicles, S.M.E and Mortgages
 Credit Rating of different Loan Customers
 Reviewing the Loan accounts on quarterly and six monthly and yearly bases
 Audit Compliance Follow up
 Sanctioning of Loan Proposals Auto Loans, Mortgages, S.M.E and Commercial Vehicles
 Handling Bank Internal and External Audits
Tools: Credit Appraisal Memo, MS Office Suite including MS Excel & MS Word, and OMNI Package.
Associate Feb 2005 – Oct 2005- 9 Months
Wipro Ltd., Mumbai, Maharashtra
 Handle credit card queries relating to Inquiries, Balance Transfer and Balance Inquiries
Tools Used : MS Office Suite including MS Excel & MS Word.
Customer Interaction Executive May 2003 – Jan 2005-1 year -9 months
Reliance Infostreams Pvt.Ltd.,Mumbai, Maharashtra
 Addressing Customer Queries related to for Billing, Network and NRI Calling Cards
 Joined this company as trainee and was promoted to Customer Interaction Executive in 1
year
Tools Used : MS Office Suite including MS Excel & MS Word.
SUMMER INTERNSHIP
Dalal and Broacha Stock Broking Pvt. Ltd
Mumbai, Maharashtra March -2007-June-2007- 3 months
 Analyze and Compare different mutual fund schemes on the basis of Beta, Alpha, Standard
Deviation and Expense Ratios
EDUCATION
PGDM, Finance April 2008
I.E.S Management College
University of Mumbai, Maharashtra
Scored 62%
Bachelor of Commerce May 2003
Ramanand Arya D.A.V College
University of Mumbai, Maharashtra
Scored 55%
EXTRA-CURRICULAR ACTIVITIES:
 Written article on “India as a Brand” for IES College Magazine ‘Anvesha’
 Managed Annual Day Event for IES College, Bandra in the year 2007
 Member of Rotaract Club of Thane East from Mar 1999 to Feb 2004 for six years
 Organized projects like Vikas (a Personality Development seminar) and Pulse Polio

4. Campaign under the aegis of Rotaract Club of Thane East
References :Shall be provided on request