GAURAV UPADHYAY
Dubai
Summary
Results-driven SME banking professional with over 7 years of experience in credit underwriting, debt syndication, and structured working capital solutions. Managed multi-lender portfolio exposure exceeding INR 500 crore (~AED 220 million) for startups and mid-market enterprises. Expertise in relationship management, portfolio growth, credit risk assessment, and cash flow-based lending models within regulated financial environments.
Overview
7
7
years of professional experience
Work History
Manager – Debt Capital Markets
Recur Club
2023.11 - Current
- Assisted in structured debt syndication and working capital financing for startups and MSMEs.
- Supported multi-lender book size of INR 500+ cr (~AED 220+ mn) across various sectors.
- Conducted financial analysis of P&L balance sheet and cash flow to evaluate creditworthiness and repayment capacity.
- Structured term loans and cashflow-aligned facilities tailored to client needs.
- Managed relationships with lenders across banks, NBFCs, and venture debt funds.
- Monitored portfolio risk indicators, delinquency trends, and repayment behaviour.
Assistant Manager – Lending Partnerships & Operations
Cashfree Payments India Pvt. Ltd.
2022.07 - 2023.09
- Managed embedded lending partnerships with regulated NBFCs.
- Supervised AML/KYC and ongoing compliance monitoring.
- Built SQL & Tableau dashboards to track portfolio performance and risk metrics.
- Strengthened reconciliation and audit frameworks.
Team Lead – External Lender Operations
Indifi Technologies Pvt. Ltd.
2018.12 - 2022.06
- Managed SME lending partnerships and disbursement operations.
- Negotiated lender terms and ensured SLA compliance.
- Delivered KPI and portfolio performance reporting to leadership.
- Led team driving SME loan acquisition and portfolio growth.
Education
Master’s - Data Science
topmentor.com
IN-DL2022-01
MBA - Marketing & International Business
Guru Gobind Singh Indraprastha University
IN-DL2018-01
BBA - Business Administration
Guru Gobind Singh Indraprastha University
IN-DL2016-01
Skills
- SME and mid-market lending
- Working capital and term loans
- Relationship management
- Credit risk assessment
- Financial statement analysis
- Portfolio monitoring
- Trade and cash flow financing
- AML/KYC compliance
- Process optimization
- SQL and Excel analytics
- Multi-lender coordination
- Advanced Excel skills
- Tableau proficiency
- Financial modeling expertise
- SAP FI knowledge
Personal Information
Notice Period: 30 Days
Websites, Portfolios and Profiles
linkedin.com/in/gaurav-upadhyay-7b7aaa1b6
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Manager – Debt Capital Markets
Recur Club
2023.11 - Current
Assistant Manager – Lending Partnerships & Operations
Cashfree Payments India Pvt. Ltd.
2022.07 - 2023.09
Team Lead – External Lender Operations
Indifi Technologies Pvt. Ltd.
2018.12 - 2022.06
Master’s - Data Science
topmentor.com
MBA - Marketing & International Business
Guru Gobind Singh Indraprastha University
BBA - Business Administration
Guru Gobind Singh Indraprastha University