Vikram Pandya

EDUCATION CFA Institute CFA– (Completed all the three levels of CFA Exams in first attempt) Jun. 2011 The Institute of Chartered Accountants of India Chartered Accountant – (All India Rank Holder) Membership No: 127881 May 2007 Information Systems Audit and Control Association Certified Information System Auditor (CISA) Dec 2006 Sydenham College of Commerce & Economics, University of Mumbai Master of Commerce, Accounting Oct. 2007 NarseeMonjeeCollege of Commerce and Economics, University of Mumbai Bachelor of Commerce, Accounting Mar. 2005 PROFESSIONAL EXPERIENCE YES BANK Limited – Mumbai, India Assistant Vice President, Financial & Investor Strategy (Apr. 2010 – Present) • Created a Discounted Cash Flow valuation model to value bank loans as per IFRS& Basel III guidelines and assess the impact of the same on profitability and investor sentiment. Also performed relative valuations for Reserve Bank (India’s Federal equivalent) inspection; • Performed strategy mapping of various peer banks to identify impact of management philosophy, life cycle phase &product offerings on profitability. This helped YES Bank in identifying several new promising products & services; • Successfully implemented Base Rate methodology as per RBI norms without affecting Bank’s profitability & investor sentiments; • Formulated product implementation strategy, for YES Bank, as per Reserve Bank’s (RBI) guidelines.Designed a valuation model, as per FIMMDA guidelines, which considers variables such as liquidity, average bond spread, diversification discount, cross holding, systematic & unsystematic risk related to bonds; • Evaluated various depository options like ADR/GDR/HDR for YES Bank for potential capital raising based on cost-benefit & relative performance of similar offering from peer banks; • Created various event related presentations & pitch-books for Investors; Also attended various road-shows, conferences & other investor related events to represent YES Bank; • Liaised with credit rating agencies; provided data related to annual surveillance;performed peer comparison based on CAMELS rating model; Consultant at Wepware Inc. Korea (Dec. 2012 – Present) • Solution & Security Testing, Product Life Cycle Advisory Consultant at RemindNMore (July. 2012 – Present) • Complete End to End help in SDLC Lecturer at Institute of Chartered Accountants of India (ICAI) (Jun. 2012 – Present) • Delivered lectures on Balance sheet management and ALM risk management. Lecturer at Pristine (http://www.edupristine.com/) (Dec. 2011 – Present) • Delivered lectures on CFA and Financial Modeling with average feedback score of 4+ (out of 5). Associate, MIS & Systems(Nov. 2007 – Mar. 2010) • Created In-house MIS software for YES BANK Limited, which supports ALM & Fund Transfer Pricing based on key variables like products, tenor, embedded derivatives & bid/offer curves. This enabled timely & accurate revenue related MISreports, calculation of treasury spread (spread earned from managing ALM mismatches); • Created business segment wise forecasting model, which considered variables like loan rollovers, prepayment, interest rate sensitivity & matching the same with deposits (sources of fund). Created balance-sheet sensitivity model to perform “What If” based sensitivity analysis on critical balance-sheet oriented variables & customized constraints. It also uses key economic indicators automatically from World Wide Web to provide accurate & real-time information for MIS & Decision Making; Deloitte Haskins & Sells – Mumbai, India Internship - Audit & Assurance (Jul. 2004 – Jun. 2007) • Developed MS-Excel based in-house audit software for Deloitte, which integrated with AS/2. Part of a team to create Indianized version of AS/2 pack for various industries; • As part of the Audit & Assurance team, took a lead role in performing control testing & substantive testing as per Deloitte methodology for various MNCs & listed Indian companies. Performed investment valuation & recognition as per Indian GAAP & accounting standards; OTHER ACHIEVEMENTS, INITIATIVES &INTERESTS • Completed an IFRS certification held by Reserve Bank of India &The National Institute of Bank Management; • Completed Certified Valuation Officer from The Institute of Chartered Accountants of India; • Actively involved in organizing a yearly inter college grand festivalUMANG©. (http://www.nmumang.org/); • Participated in Microscopy related Olympus BioScapes International Digital Imaging competition for 2009 & 2010; • Advanced knowledge of MS Excel®, VBA Macros, MS Windows® OS & Network Security.