1. RESUME
Name: Vishal Jhalani Address: Flat no. 702, EMP - 36,
Date of Birth: 12
th
June, 1981 Uranus Co-operative Housing Society,
Tel: +91 9833001981 Thakur Village, Kandivali (East)
E-mail: jhalanivishal@gmail.com Mumbai – 400 101
Wide exposure of Balance Sheet and Profitability issues at both entity and line of
business level, within international banking organization. Business focused approach,
with an eye for detail and strong analytical skills.
Professional Experience: Key profiles handled
Company: The Hongkong and Shanghai Banking Corporation Limited Nov2007 onwards
Vice President – Retail Business Finance (CVM & Wealth) - Mar12 onwards
In my current role, I am constantly required to partner with business for all Products/
Propositions needs across the Customer Value Management (CVM) and Wealth Management
areas within RBWM. This includes challenging the business and working together almost on
a daily basis.
The key job responsibilities include:
• Dedicated specialist finance support to respond to all business needs and provide
an objective view of business performance including insights into drivers of
profitability and options available to optimize business performance.
• Conducting financial analysis for tracking and evaluating product profitability
across RBWM products (incl. Project Sherwood etc), sensitivity analysis for
alternative solutions, emphasize on delivery of returns on RWAs, improving
product dynamics and various options available to optimize business performance.
• Assessing new product proposals, campaigns, marketing proposals, pricing
decisions, proposition changes across products to ensure that it meets the
strategic business objectives while ensuring commercial sense. During this process,
also provide constructive solutions/ modifications to the proposals.
• RBWM business finance dedicated support for matters relating to
behaviouralisation, transfer pricing, liquidity and funding etc. and extending
oversight for balance sheet management for RBWM including AD ratio, ACF ratio
(NSFR now) & OCP positions (LCR now).
• Represent Finance on all key governance and decision forums for RBWM and provide
one point interface to the business across all finance disciplines such as MI &
Planning, ALM, Controls etc.
• RBWM Business Finance lead for coordination and evaluation of annual/ rolling
operating plans, Mid-term outlook (MTO), Investment Outlook (IO) for overall
RBWM (Bank) including all products/ business lines and other non-product related
items including preparation of summary analytics and presentations.
• Day to day representation of Finance in product level business decisions to drive
financial discipline and consistency. Also supporting business on key regulatory
changes from RBI guidelines incl. MCLR, balance based charges etc.
Key achievements in the current role –
• Exposure of leading the Retail finance team during the 3 month STA stint of the
line manager to HK. During this tenor have ably handled RBWM FIN role in various
Senior Management forums incl. Business Performance Reviews (Monthly) with
Regional Head of RBWM and his DRs, local RBWM EXCO etc.
• Worked with the business on setting up a medium term operating plan as well as
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2. some key strategic projects to reshape the business and drive the business towards
long term profitability
• Helped implement the Finance blueprint - set up the right team, managed the
transition out of the business and establish a credible business finance function
acknowledged by the business as being independent, objective and one which
provides trusted insights
• Have extended critical support towards Product profitability analysis for RBWM
assets under Regional Project “Sherwood” by providing in-depth analytical support
and securing local business and Regional concurrence on the models and critical
assumptions/ inputs.
• Demonstrated courageous integrity by challenging the business as part of finance
functional mandate, while at the same time also ensured business partnering with
critical insights/ inputs on various proposals.
Vice President – Business Planning & Analytical Support (PFS-SBAD) - Apr11 to Mar12
The job responsibilities included:
• Conducting financial analysis, preparing planning models that support sensitivity
analysis and help implementation of strategic plans for Mortgages.
• Support Head Retail Assets in planning, tracking actual vs plan, evaluating product
profitability, sensitivity analysis for alternative solutions, improving product
dynamics and catering to various MI requirements etc for Mortgages.
• Market benchmarking and competitor analysis for Mortgages to help business in
introducing/ making changes in the current product features including pricing etc.
• Extended critical support towards conceptualizing key product variants/ schemes
like Pay-back, 80:20 scheme, re-launch of fixed rate loans etc.
• Played critical role in conceptualizing amortization of sales team costs by having
them routed through separate entity and evenly distributing the acquisition costs
over the life of the loan to improve spot product profitability.
• Actively driven key strategic decisions/ initiatives including portfolio buy-outs/
disposal, securitization among others.
• Supporting FIN with the Basel II reporting relating PFS and its allied issues.
Associate Vice President – (PFS-SBAD) - Nov07 to Mar11
• Preparation of business cases including new product construct and development for
Retail Assets.
• Monthly P&L monitoring/ reporting for retail loans, providing updates on
movements in key lines of income & expense.
• Business analysis - sub-product level, geography-wise, sector-wise, channel-wise,
segment-wise etc to provide detailed and comprehensive overview to top
management of the actual performance and highlight the areas of concerns along
with suggestions for improvements.
• Analyzing transfer pricing mechanism for lending on floating rate loans and
understanding movements in COF to assess future profitability.
• Conceptualizing & analytical skills – including modeling and forecasting.
• Capital adequacy computations pertaining PFS.
• Involved in top team presentations.
Company: ICICI Bank Limited Nov 2005 to Oct 2007
Manager I – Profit planning, budgeting (FG-PIVG)
• Financial Statements analysis, ratio analysis, segment analysis of key numbers.
• Responsible for preparation of annual budgets including negotiating agreement on
specifics of the budget with various segments of the business unit.
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3. • Preparation of Retail (Liability) financial forecasts including identifying/quantifying
risks and opportunities and probabilities of each.
• Projection of profitability and business targets, for various sub-groups, based on
regional, segmental and product level bifurcations.
• Monthly P&L monitoring for the bank and providing updates on movements in key
lines of income & expense.
• Incremental cost analysis for the bank.
Company: Zoom Developers Private Limited August 2005 to October 2005
Financial Analyst
• Working capital assessment and management.
• Preparation of project specific evaluation reports, DPRs etc.
Firm: ARTASIA – Export House (Furniture & Textiles) March 2004 to July 2005
Manager – Finance
• Management of treasury operations.
• Supervised accounting and financial management.
• Supervised taxation matters of the firm.
• Assisted management in process / product based costing.
• Reformed the working structure incorporating check points at various levels to
decentralize the operations within the unit.
• Supervised the logistics management.
Firm: S.R. Goyal & Co. – Chartered Accountants - Article ship Duration 3 years
• Preparation and presentation of quarterly audit reports of companies.
• Preparation of Tax Audit reports of Individuals and partnership firms.
• Concurrent audits of Banks.
Education:
• Chartered Accountant - The Institute of Chartered Accountants of India, New Delhi
– November 2003 batch
• Bachelor of Commerce - The University Commerce College, Jaipur (Rajasthan) –
2002.
• Diploma in Computer Applications from SIMCS, Jaipur. Proficiency in MS Office.
Additional Information:
• Undertaken 15 days program on Financial Management, Treasury products, Macro
economic foray of Indian economy from the Institute of Financial Management and
Research, Chennai.
• Undertaken 3 days workshop on Managerial Effectiveness in Pune.
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