Vikram Pandya

Vikram Pandya is a seed investor at Varanium Capital Advisors in Mumbai focused on FinTech and Marketplace. EDUCATIONCFA InstituteCFA– (Completed all the three levels of CFA Exams in first attempt) Jun. 2011The Institute of Chartered Accountants of IndiaChartered Accountant – (All India Rank Holder)Membership No: 127881 May 2007Information Systems Audit and Control AssociationCertified Information System Auditor (CISA) Dec 2006Sydenham College of Commerce & Economics, University of MumbaiMaster of Commerce, Accounting Oct. 2007NarseeMonjeeCollege of Commerce and Economics, University of MumbaiBachelor of Commerce, Accounting Mar. 2005PROFESSIONAL EXPERIENCEYES 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 AdvisoryConsultant at RemindNMore (July. 2012 – Present)• Complete End to End help in SDLCLecturer 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, IndiaInternship - 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.