1. Sahnawaz Rahman
#673, Pipe Line Road, Near Nethaji Circle Bangalore - 54
✆ 07829-341-835
Email: shan_mail_me@yahoo.co.in
CAREER OBJECTIVE
To seek a challenging career position and opportunities in order to gain and leverage cross-
functional experience, business, analytical and technical skills and in turn make significant
contributions to the organization. To be a part of a vibrant team where my potentials can be
exploited to the maximum, ensuring my future progress with the growth of the organization.
SUMMARY
Seasoned Finance Professional with more than 5 years of experience in Banking, Order to
Cash, Project Management/ Accounting - AR Billing, Client Data Management, Reporting,
Cash Forecast, Budget to Actual, Collections, Accounts Payable, Travel & Expense,
Resource Management and Cash Application.
MY STRENGTH
 Strong communication, interpersonal, analytical & team building skills with proficiency at
grasping new concepts quickly and utilizing the same in a productive manner.
 A sincere, motivated and natural individual involved in the process of learning and
contribution to the organization I work in.
 Keen analytical approach, effective communication skills and good interpersonal abilities.
 Ability to work in team and make every move a learning experience and thereby improve my
talents, my work and myself.
 Effectively manage, prioritize and complete multiple diverse activities to meet timelines.
 Flexibility to expand job scope as needed.
 Specialties – Credit & Risk Analysis, Accounts Receivable Payable, Budgeting and
Forecasting, Competitive Analysis, Customer/Client Relations, Leadership, People
Management.
EDUCATIONAL SUMMARY
2010 – 2011 University of Nottingham, United Kingdom
MSc. Finance And Investments
Modules Includes: Capital Market Analysis, Corporate Finance,
Research Methods for Finance and Investment, Quantitative
Techniques for Finance, Derivative Investment, Fixed Interest
Investment, International Finance, Financial Reporting, Finance &
Investment Dissertation.
Skills developed: Strong numeracy and analytical skills, business,
commercial awareness, project management, leadership and team
working skills.

2. 2004 – 2007 Bangalore University, India
Bachelor of Business Management (BBM)
Financial Management, Product & Operations Management, Cost
Accounting, Strategic Management, Project Management,
Entrepreneurial Development, Financial Markets and Services,
International Finance, Cost and Financial Analysis.
2002 – 2004 Delhi Public School, India
Commerce
ACADEMIC PROJECT
Undergraduate: The Credibility of Potential Customer, HDFC Bank Bangalore.
Postgraduate: The Market Efficiency of Stock Market in India (BSE & NSE).
The greatest and engendering event in the twenty first century is capital and financial market
revolution and reformation. My paper tested the efficiency of the Indian Capital Market in its semi-
strong form and weak form of Efficient Market Hypothesis using non-parametric efficiency tests
such as serial correlation, runs test, Spearman’s rank correlation and regression.
FINANCIAL WORK EXPERIENCE
Feb 2014 – Till date: ANZ BANK, INDIA
Position: Senior Credit/ Risk Analyst
Credit Assessment & Risk Management
This role is responsible for completing a detailed credit analysis preceding the granting of a loan.
The credit analysis includes verifying and assessing an applicant’s current financial position,
employment history, credit history, credit needs and ability to pay.
• Credit Discretion ranging from AUD 5000 to AUD 1 million across various products and use
judgmental ability to arrive at lending decisions viz – amount to lend, tenure, etc.
• Accurate and timely decisions in adherence to defined processes and Service Level
Agreements in a customer friendly manner.
Job Responsibilities/Accountabilities:
PERFORM
• Process items/events with timeliness and accuracy.
• Meet or exceed productivity standards.
• Handle queries from ANZ customers & staff.
• Provide continuing liaison with customers through to final resolution.
• Exercise thorough credit worthiness assessment and sound decision-making utilizing a
CAD.
• Proactively re-package and communicate deal options with ‘customers’, as appropriate, for
deals which would otherwise be declined.
• Effectively communicate all credit decisions.
• Achieves progression to appropriate skill levels within agreed timeframes

3. Customer
• Meet or exceed quality assurance standards.
• Apply lending/credit policy, product and guidelines, and a high level of judgment, in
assessing applicant’s credit worthiness.
• Research customer requests by gathering all relevant information/data, ensuring all
available avenues and sources of information are investigated.
• Ensure all research and investigation is accurately recorded including supporting evidence
and documentation.
• Ensure cases are processed in compliance with current policies, guidelines and legislation.
• Undertake administrative functions following sound research, investigation and assessment.
• Develop sound relationships with ANZ customers & ANZ staff by maintaining two-way
communication.
• Adhere to Group Credit Policy and Code of Banking Practice with the objective of
maximizing revenue and minimizing risk.
• Escalate all applications over CAD, with appropriate communications
Risk/compliance/behaviours:
• Adherence to all Credit Policy and Process
• Adherence to CAD framework
Team Player
• Work with other staff (including assisting with training of less experienced staff from time to
time) to ensure quality and consistency of service.
• Pro-active participation in team meetings and team activities.
• Identify and assist implementation of improvements to practices and procedures on an
ongoing basis with the view to creating an environment of constant improvement.
• Work with related teams to ensure all processes are consistent with customer requirements
& contribute to overall process efficiency.
July 2012 – Dec 2013: EXL, INDIA
Position: Senior Financial Associate
EXL
EXL (NASDAQ: EXLS) is a leading provider of Transformation and Outsourcing services to Global
1000 companies in multiple industries including finance & accounting, insurance, banking, financial
services, utilities, transportation and travel. EXL is a U.S. company that was incorporated in 1999.
EXL Acquires Outsource Partners International (OPI) to offer the most comprehensive set of F&A
solutions.
ROLES AND RESPONSIBILITIES
Seasoned Finance Professional with expertise in Order to Cash, Project Management, AR Billing,
Client Data Management, Reporting, Resource Management and Cash Application. I worked

4. closely with Project Managers and my responsibilities includes right from initiating a project (time
and material, fixed price), maintaining all the economics related to the project in term of assigning
team member of the project, revenue, time sheet booking etc. I was also responsible for handling
my small team of 4 members and reporting the day to day activities to Lead Assistant Manager.
• Client Data Management – Time and Material, fixed price
• Reporting – Billability & Efficiency, Deferred Revenue etc
• Billing – Timesheet
• MIS Reporting
• T&E Exception
• Prior Period Adjustments
• Clearing exception
• Staging
• Creation of Invoices
• Printing/Splitting Invoices
• Cost rates and Bill rates updating
• Sending invoices to the respective PM
• Cash Application, Collections, AR Aging Reports.
• Organizing weekly and monthly meeting with onshore team to discuss the performance of
the team, process improvement ideas, project econometrics etc.
• Managing team including day to day tracking and queries.
• Handling client calls and concerns.
• Training the new hires.
September 2007 – March 2010: ERNST & YOUNG, INDIA
Position: Financial Associate
Ernst & Young
Ernst & Young is one of the largest professional services firms in the world and one of the Big Four
Auditors, provides Assurance, Tax, Advisory, Transactions etc. Ernst & Young is a global
organization of member firms in more than 140 countries; firm is headquartered at 5 Times Square,
New York.
ROLES AND RESPONSIBILITES
My work included responsibilities such as maintaining the projects and its day to day impact,
Calculating the net revenue and loss, Estimated Realization Percentage, Cash Forecast, Budget to
Actual, Creating the Projects and Maintaining all activates related to those projects, and supporting
our client and US counterparts, Creating the invoices, AR and AP, Analyzing the Work In Progress,
and Closing the Projects.
• Analyzing the Projects, ERP (Estimated Realization Percentage), NER(Net Realization
Percentage), TER (Total Engagement Revenue)
• Budget to Actual
• Calculating the Revenue of the Project
• Cash Forecast

5. • Profit Analysis, Analyzing the Statement of Work
• Interaction with the team, counterpart and client in USA
• Billings through Oracle and PeopleSoft Applications.
• All Economics related to the Project, and its Variation
• Maintain Project Manager’s BOB and working closely with them. Providing them the
necessary outputs like Cash forecast, calculating the net impact of projects.
• Closing the project with various analyses like Adjusting the Fees, Realizing the Profit,
Analyzing the Estimated Realization Percentage after the work done. Monthly meeting with
the US team to discuss about the various upcoming projects.
• Managing team including day to day tracking and queries.
• Handling client calls and concerns.
• Training and ensuring new hires are up to the mark within stipulated time.
ADDITIONAL COMMERCIAL EXPERIENCE
Dec 2010–Dec 2011: MIRAGE NIGHTCLUB, NOTTINGHAM (UK)
Position: Coordinator
Responsibilities: I was working part-time during my studies. My responsibilities includes
supervising the bar staff and assisting the DJ. Also help the management in the day to day activities
like arranging theme parties, supervising the bar staff and training the new hires.
Jul 2011 – Dec 2011: SAINSBURYS PLC, NOTTINGHAM (UK)
Position: Counter Assistant
Responsibilities: My responsibilities included working every part of this supermarket which is one
of the biggest supermarkets of United Kingdom. I was responsible right from solving customer
queries, working in the till for billing, helping customer in the self-scan, working closely with the
management to implement new ideas in order to satisfy customers.
Jun 2006–Nov 2006: WIZCRAFT EVENT MANAGEMENT CO., INDIA
Position: Supervisor
Responsibilities: My duties included documentation; managing a group of people and making
them understand their roles and responsibilities, make weekly payment and supervising the event
sites and also the staff.
ACHIEVEMENTS & AWARDS
• Six Sigma trained
• Employee of the month and quarters for the most excellent performance – Ernst & Young
• Dissertation mentioned above was recognized and nominated for one of the best
dissertation by University of Nottingham, United Kingdom and awarded distinction.
SKILLS
• Technical – Competent Microsoft Office user, experience with application software like
Banking SBMA, ANZ Global Database (HOGAN), IBM Lotus Notes, People Soft, Web based

6. Gbiller, Eybiller, TELR, AELR, MACROS. Hands on experience with databases and
statistical software Minitab, SPSS, STATA and Reuters.
• Communication/ listening – My work and studies has enabled me to confidently interact
with people of different countries, backgrounds and cultures. I have attended various
workshops and training which helped me to be more professional.
• Training - includes Reuters 3000Xtra, Advance Excel and Word, Six Sigma, Time and
Quality Management, Effective Presentation Skills, Data Analysis, Relationship
Management, WHALE DONE, Communication Excellence, Business writing skills.
ADDITIONAL SKILLS AND INTEREST
• Language – English, Hindi and Bengali: Native; French: Intermediate.
• Investment – Active trader in Equity market and portfolio management.
• Sports – School & University Sport Team Caption. Had played for BRAMCOTE CRICKET
CLUB Nottingham, England.
• Volunteering – Member and coordinator for University Student Union.
• Travelling – Almost all parts of India, Singapore, Malaysia, Thailand, Maldives, Sri Lanka
and United Kingdom.

7. Gbiller, Eybiller, TELR, AELR, MACROS. Hands on experience with databases and
statistical software Minitab, SPSS, STATA and Reuters.
• Communication/ listening – My work and studies has enabled me to confidently interact
with people of different countries, backgrounds and cultures. I have attended various
workshops and training which helped me to be more professional.
• Training - includes Reuters 3000Xtra, Advance Excel and Word, Six Sigma, Time and
Quality Management, Effective Presentation Skills, Data Analysis, Relationship
Management, WHALE DONE, Communication Excellence, Business writing skills.
ADDITIONAL SKILLS AND INTEREST
• Language – English, Hindi and Bengali: Native; French: Intermediate.
• Investment – Active trader in Equity market and portfolio management.
• Sports – School & University Sport Team Caption. Had played for BRAMCOTE CRICKET
CLUB Nottingham, England.
• Volunteering – Member and coordinator for University Student Union.
• Travelling – Almost all parts of India, Singapore, Malaysia, Thailand, Maldives, Sri Lanka
and United Kingdom.