Karthik Raghavan — Senior Treasury Analyst
Chennai, Tamil Nadu
Treasury professional with eight years across manufacturing and non-banking finance, covering debt, liquidity and currency risk. Refinanced ₹380 crore of term debt at 85 basis points below the prior rate.
Experience
Senior Treasury Analyst, Marudham Auto Components Limited · May 2023 – present
Treasury for a listed components maker with ₹1,100 crore of debt across nine lenders.
- Manages the debt book across nine lenders, including covenant testing and the quarterly lender pack that goes to the audit committee.
- Refinanced ₹380 crore of term loans at 85 basis points below the prior rate, cutting annual interest cost by ₹3.2 crore.
- Built a 13-week rolling cash forecast across 11 bank accounts, taking idle balances from ₹64 crore to ₹18 crore and adding ₹1.4 crore a year in yield.
- Hedged 4 million of import exposure with forwards under a board-approved policy, holding realised currency loss to 0.3% against a 2.1% unhedged move.
- Cut bank charges 22% by consolidating collections onto two cash management banks and renegotiating the mandate slab.
Treasury Analyst, Neytal Finance Limited · June 2020 – April 2023
- Ran daily liquidity for a ₹2,400 crore loan book through the 2022 rate cycle without one drawdown on the overdraft line.
- Prepared the quarterly asset-liability statements filed with the Reserve Bank of India, closing a structural gap in the 1-to-30-day bucket that had been flagged twice.
- Placed ₹210 crore of commercial paper across four issuances, pricing the last 40 basis points inside the first.
Finance Executive, Sevanti Chemicals Limited · July 2018 – May 2020
- Cut days sales outstanding from 74 to 51 by putting a credit-limit check into the order release workflow for 320 dealers.
- Reconciled 36 bank accounts each month and cleared a ₹90 lakh suspense balance that had been carried for three years.
Education
- MBA Finance · Great Lakes Institute of Management · June 2016 – April 2018
- B.E. Mechanical Engineering · College of Engineering Guindy, Anna University · July 2012 – May 2016
Skills
- Treasury: Cash flow forecasting, Debt refinancing, Working capital, Covenant compliance, Bank relationship management, Commercial paper
- Markets and risk: Currency forwards, Interest rate swaps, Asset-liability management, Liquidity coverage, Counterparty limits
- Regulatory: RBI ALM returns, FEMA, Ind AS 109, Companies Act 2013
- Systems: SAP Treasury, Kyriba, Oracle ERP, Excel, Power BI, Bloomberg Terminal
Certifications
- Certified Treasury Professional (CTP) — Association for Financial Professionals
- Passed Level II of the CFA Program — CFA Institute
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