Kamal Chauhan
Summary
Experienced treasury finance professional and part-qualified accountant, currently working in the mortgage sector. Highly regarded as a resourceful problem solver, fast learner, and dependable under pressure. Recognised as a subject matter expert in digital assets, with a particular focus on Bitcoin.
Overview
6
6
years of professional experience
7
7
years of post-secondary education
Work history
Senior Associate, Structured Products
LendInvest Plc
Glasgow
11.2022 - Current
- Managed funding and reporting for mortgage loans exceeding £1 billion and a pipeline of over £300 million.
- Executed origination of mortgage loans into two on-balance private warehouses with Lloyds Bank and Société Générale, and two off-balance forward flows with JP Morgan and Chetwood Bank.
- Assisted with Securitisation of warehouse pools publicly under LendInvest's 'Mortimer' shelf on an annual basis.
- Hedged interest rate risk for completed loans and the pipeline using swap contracts with banking counterparties.
- Delivered monthly and quarterly reporting across all funding lines, including interest payment dates.
- Ensured compliance with debt covenants to maintain loan origination within concentration limits and eligibility criteria.
- Oversaw pipeline management and cash flow to facilitate loan origination.
- Managed data and process improvements/automation using SQL, Excel, and Google Sheets.
- Promoted from Treasury Associate in December 2023.
Associate, Finance and Treasury
Bottlepay (NYDIG)
Remote
01.2021 - 01.2022
- Role was that of a management and financial accountant with additional periods of managing the treasury trading desk.
- Under guidance from the prior CFO I assisted in developing the finance function from that of a fledgling start-up through acquisition by NYDIG.
- Most recently I also worked through a big 4 audit, and planning for a new ERP system.
- Responsibilities included: reconciliations and month-end procedures; processing journals; and preparation of management accounts.
- Treasury role was to execute hedging activities, which involved buying and selling bitcoin OTC and through exchanges to cover underlying user activity in the app.
- Created and executed SQL queries on the main database which related to finance.
- Working in a nascent industry with a new concept app there was not a predefined way to do many things, so there was a fair deal of problem solving and creativity required. Accounting for bitcoin is particularly challenging in practice.
Graduate Operations Analyst
Barclays
Glasgow
01.2020 - 01.2021
- Interned in 2019 in the Tax Operations team dealing with FATCA and CRS regulations.
- Project was to review how the bank dealt with these regulations.
- Findings were highly praised by managers, and the global head of Tax Operations.
- Subsequently was offered a place on the graduate programme.
- Graduate role was in Investment Bank Reference Data Operations.
- Role was to phase out the use of end user developed applications with a data analysis software called Alteryx Designer.
Education
Bachelor's Degree - Accountancy with Finance
University of Glasgow
01.2016 - 01.2020
Access Mathematics and Economics -
University of Glasgow
01.2015 - 01.2016
University of Glasgow Fintech Society
01.2017 - 01.2019
Skills
- Advanced Microsoft Excel and Google Sheets
- SQL query development
- Treasury cash management
- Financial and management accounting
- Interest rate hedging
- Bitcoin hedging and trade execution
- Mortgage-backed securities
Timeline
Senior Associate, Structured Products
LendInvest Plc
11.2022 - Current
Associate, Finance and Treasury
Bottlepay (NYDIG)
01.2021 - 01.2022
Graduate Operations Analyst
Barclays
01.2020 - 01.2021
University of Glasgow Fintech Society
01.2017 - 01.2019
Bachelor's Degree - Accountancy with Finance
University of Glasgow
01.2016 - 01.2020
Access Mathematics and Economics -
University of Glasgow
01.2015 - 01.2016
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