1. Phone No. 9871902373/011-25490557
E m a I I D::tgandhica86@yahoo.com
Date and Place of Birth: 4
th
September 86, Delhi
Address: 1/134 Subhash Nagar, Delhi-110027
TARUN GANDHI
CAREER OBJECTIVE: Looking forward to a career that can provide me with an environment that fosters learning while
cutting across knowledge streams and also provide me with newer challenges each day to bring out the best in me
and allows for advancement.
E D U C A T I O N
PROFESSIONAL QUALIFICATION:
 Cleared C.A in May 2010.
 Cleared IFRS Certification course by ICAI in Dec. 2012.
ACADEMIC QUALIFICATION:
University/School/
Board
Year of Passing Marks Obtained
B.Com (Hons) Delhi University, INDIA. 2007 53%
12
th
(Commerce) MCL Saraswati Bal Mandir Hari Nagar, Board (C.B.S.E) 2004 72.0%
10
th
MCL Saraswati Bal Mandir Hari Nagar, Board (C.B.S.E) 2002 73.0%
CURRENT WORK EXPERIENCE:
Barclays (Working since March 2015)
Working as an Assistant Manager – Credit Analysis at Barclays Shared Services (BSS), this is a subsidiary of Barclays
Bank PLC and provides operational support and services to business across Barclays.
Job Details:
 Credit risk and financial analysis for Barclays UK portfolio of large and mid-corporate clients to offer
primary, trading & settlement commercial banking facilities.
 Supporting relationship directors with timely preparation of credit appraisal note (Annual, Interim and New
loan) to assess the borrower credit profile and business model by using financial statements, debt schedule,
and financial forecasting.
 Writing Credit paper by covering summary on industry, competition, group structure, ownership &
management.
 Evaluating client’s default risk and severity by determining risk grading-(S&P, Moody, Fitch, bespoke),
product pricing, risk return trade off, probability of default (PD) and loss given default (LGD).
 Supporting onshore team of relationship directors, portfolio owners and client coverage in getting the
credit proposals sanctioned.
 Liaising with post sanction team for documentation and issuance of accurate facility letter and other
formalities

2.  Monitoring & control activity for maintaining the portfolio asset quality by setting internal risk triggers
(IRT’s) & financial covenants and testing these on the basis of latest management information to flag early
warning signs for remedial action & enforcement of lenders right.
 Using various software’s throughout the credit appraisal process to record every step involved in the system
for future reference and audit trail purposes. The software’s includes Zeus (Golden Source), LSF, EDOSTAR,
GPT (Pricing tool), Risk Calc tool, RSL Model etc.
ICICI BANK (Feb, 2013 to March 2015)
Worked with ICICI Bank Ltd. as Assistant Development Manager (Working Capital Finance) based in Delhi and my
work involves Portfolio Management of working capital loan given to the clients under Priority Sector Lending as per
RBI Guidelines which includes mainly MSME clients with turnover upto Rs 500 crores.
Gist of Work Done:
 Loan appraisal (Critically examining and analyzing the Credit proposals from all probable risk angles,
financial analysis, ratio analysis, projection finalization, Limit assessment having regard the market situation
and industry trend for all working capital loans.)
 Finalizing CMA, Appraisal note and analyzing past bank track record.
 Finalizing terms and conditions for the proposal.
 Independently managing portfolio of more than Rs 80 crores.
 Timely monitoring of the clients account and Handling compliance work of the large ticket size clients as
mentioned in the Credit arrangement letter (CAL)/Sanction Letter Terms and Conditions, of the clients like
submission of stock audit report, unit Inspection report, Stock and Inventory Statement, Filling of CHG 1
Form, Other Financial Information report etc and its submission to the Credit Middle Office Group (CMOG).
 MIS maintenance.
 Presenting the proposals to sanctioning committee comprising higher authorities of the Bank.
Reliance Infra Ltd(August 2010 to Feb.2013)
Worked from August,2010 to Feb, 2013 in Reliance Infra Ltd.(A Joint venture with Govt. of Delhi)based in Nehru place,
Delhi as Assistant Manager(Audit & Finance)and handling following tasks:
FINANCIAL AND AUDIT TASK
 Preparation of projected Cash Flow Statement and Balance sheet and related financial work.
 Preparation of MIS of Collection Efficiency and Aggregate of Technical and commercial losses (AT&C
loss)of all 19 divisions.
 Revenue Budget Preparation and Variance Analysis.

3.  Worked in Fixed Assets Capitalization scheme for the purpose of dismantling of various assets and its
proper recording in the financial statements of the company.
 Long term and short term power purchase audit which involves checking of power purchased from
various power generating companies like NTPC, NHPC and Pragti power station etc, to check any
Financial and Procedural deviations.
 Compliance with various regulatory works for preparation of Annual Revenue requirement (ARR)
to be submitted to the DERC for Tariffs filing.
Computer Literacy
SAP(P-96,P-92,P-70)/R3,Finnacle,MS.OFFICE-Word,Excel,PPT.