1. SUNIL KUMAR KHOWALA
Contact: 099990 16548 / 9211784756 E-Mail: s_khowala@yahoo.com
Finance professional with expertise in fund raising, working capital & cash
management, planning, liaising with banks and financial institutions and MIS
Organizational Experience
Since Aug’2008 (8 years) ATC Telecom Infrastructure Pvt Ltd as DGM – Finance
Presently working with ATC Telecom Infrastructure Pvt Ltd, (ATC-TIPL) an ATC Group Company, since
Aug’2008 (Previously known as VIOM Networks Ltd, a TATA Group Company). Prior to ATC-TIPL, I was
working with Quippo Telecom and was moved to ATC-TIPL in Nov’2009. My key responsibilities and
achievements have been :
Resource Mobilization .
• Raised aggregate debt of ~Rs.180.00 billion through Term Loans, Working Capital Facilities,
Structured Deals, Bonds and NCD’s.
• Reduced the weighted average borrowing cost from ~12.50% in Mar’12 to ~10.50% in June’16
through re-negotiation of terms and re-finance through lower cost avenues.
• In 2012, The Hon’ble Supreme Court had cancelled 122 Telecom licences throwing the industry
into crisis. ATC-TIPL was also substantially impacted with 20% drop in revenue due to exit of some
telecom operators from Tower sites. Proactively engaged with lenders during this critical time to
close long-term debt refinance and bill discounting facility aggregating to Rs. 375 crores to manage
cash flow mismatch.
• In 2014-15, completed the refinancing project of Rs. 2000 crores with relaxed covenants which
improved the liquidity and reduced interest expenses by Rs. 97 crores in 2015 apart from solving
the regular issue of not meeting financial covenants.
• Obtained the necessary waiver/approvals from lenders for non-meeting of the financial covenants,
thus saving the penalty of ~Rs. 60 crores every year as per the terms of sanctions
• Successfully managed approval from 27 lenders for merger of Quippo Telecom with VIOM Networks
Ltd in 2010 (which involved realignment of sanction terms) and also for acquisition of 21st
Century
Infra Tele Ltd in 2011.
• Successfully negotioated Financial Bank Guarantee facility of Rs. 200 crores at lower pricing and
saved Rs. 4.0 crores p.a.
• Regular engagement with the legal firms and legal department of lenders to finalize the loan
documents. Handled the documentation of cross boarder financing deal for acquisition of a Barge in
Quippo Oil & Gas Ltd in 2009 involving three countries.
• Presently working on refinancing of existing debt with new debt at a pricising of ~9.50% p.a.
Banking Operations
• Facilitated implemention of online banking platform and other transaction Banking products as per
internal requirements . The Company has been awarded with the “Best online Banking
implementation” award from the Magazine “The Asia”.
• Every month, the company makes ~38000 electricity bill (EB) payments to various Electricity
Boards. The said payments were earlier made in physical form through Cheque/DD. I have taken
the inititative to convert them into online mode. , This saved time, penalty and cost of transaction.
Till date around 70% of the transactions were routed through online mode and the company has
saved approx.. Rs. 40 lacs p.a.
Credit Rating
• Regular interaction with ICRA, CARE, Brickworks and other Rating Agencies, continuously
apprised them of performance of the company and responded to their queries for timely rating
review.
Others
• Sussceefully convinced the lenders to replace 26% pledge of promoters’ equity with sponsors’
undertaking in connection with the proposed IPO in 2011.
• Actively engaged with due diligence team during strategic investments by various investors from
time to time
• Handled the Statutory Auditor and Internal Auditor successfully and have no observation in any of
their reviews.

2. • Handled the External Commercial Borrowing (ECB), Derivative Transaction, Overseas Direct
Investment (ODI) and overseas Banking operations of the Company.
• Optimally managing surplus funds through investment in the mutual funds and other avenues to
maintain the appropriate level of liquidity
• Contribution of Treasury team well recognised with Best Functional Award in FY 2012, Extra
ordinary Contribution Award in Special Project in 2014 and Game Changer Award for two
consecutive years (2014 and 2015).
Previous Experience
Dec’06 - Aug’08 (1 year & 8 months) GE Money Financial Ser. Ltd. as Zonal Credit Manager
• Spearheaded the Credit function for Delhi – NCR, Rajasthan, Punjab, Haryana & West Bengal.
• Responsible for recruiting new managers, training them and bringing them up on the learning curve.
Built a team of 12 Credit Managers towards managing the credit function at all the locations across
the zone.
• Increased the business volume of the zone by more than 50% in one year while maintaining
portfolio in good shape.
Jul’03 – Dec’06 ( 3 years & 5 months) ICICI Bank Ltd as Area Credit Manager - East
• Led a team of 10 Managers consisting of Branch Credit Managers and Relationship officers in
Mortgage finance business of the Bank in the Eastern Region.
• Managed the outsourced functions with third party agencies viz Legal, Technical, Field
Investigation, Risk Control Agencies and Manpower Firms for smooth credit functioning.
• Acquired specilaization in handling HNI customers. Underwrote the loans based on credit
assessment & credit evaluation of applicants and maintained the TAT as stipulated by the Bank.
• Monitored & controlled the portfolio quality to maintain the delinquency level at national average
• Handholding, coaching, mentoring, guiding and motivating Credit managers to continuolsy achieve
higher productivity and process efficiency.
• Conducted regular legal and technical audit (including valuation report) to ensure the quality of
outsource agencies.
• Received the Best Credit Manager Award in the Regional Meet in 2005.
Jun'98 – Jul’03 (5 years) SREI Infrastructure Finance Ltd as Senior Manager - Treasury
• Resource mobilzation through fund based facilities like Cash Credit, Term Loan and Non-fund based
facilities like Letter of Credit (LC), Bank Guarantee (BG) from Banks and Financial Institutions.
• Played a key role in reducing the cost of borrowing by way of converting Rupee loan into FCNRB
Loan, placing short term Commercial Paper and MIBOR Linked Bonds. This resulted in reducing the
borrowing cost from 13.20% to 9.65% in 2002-2003
• Led the back office operations relating to financial products like Fixed Deposits, Bonds, Debentures,
Auto Loans and Commercial Vehicle Loans and streamlined the back office operation resulting in
drastic improvement in customer service
• Received the Best Performance Award at the Annual Meet of the company in 1999-2000.
Feb'96 - May'98 (2 years & 3 months) Prudential Capital Markets Ltd. as Manager
• Led the back office operation of Fixed Deposit department by managing a team of 14 members.
• Looked after the large customer base with deposits mobilization of Rs. 100 crores.
• Carried out smooth coordination between the head office and branch network spread at 78
locations in the country.
In my professional career, I have attended various training programs on Leadership, Managerial,
Negotiation and Training skills. All these programs have helped me in professional growth
Academics : CFA from The Institute of Chartered Financial Analyst of India in 1996
: ICWAI from The Institute of Cost & Work Accountanst of India in 1993
: B.Com (Hons.) from St. Xavier College, Kolkata
Personal Details

3. Date of Birth : 28th
August 1969
Current Address : Panchsheel Apartment, Flat No. C-103, Plot No.24, Sector – 4, Dwarka, Delhi-78