Distress, Risk, & Restructuring Expert with over 25 years of BFSI leadership, operating at the intersection of insolvency law, lender negotiation, and corporate turnaround. Having managed extensive credit portfolios and risk frameworks at institutions like HDFC Bank and consulted for leading MNCs, I bring a crucial "insider" perspective on lender behaviour. This enables corporate clients, MSMEs, and promoters to anticipate bank actions, protect enterprise value, and structure resilient defense strategies against hostile insolvency.
CORE COMPETENCIES
Insolvency Defense: IBC Strategy, Section 12A Settlements, Promoter Protection
Operational Survival: Turnaround Management, Working Capital Optimization, Cash Flow Triage
Distress Diagnostics: Altman Z-Score Analysis, Independent Business Reviews (IBR), Early Warning Systems
Lender Negotiation: Debt Restructuring, Credit Risk Advisory, Distressed M&A
As a PhD (Management / Finance) specializing in financial distress and restructuring, I integrate academic rigor with real-world application, particularly in analyzing corporate turnaround, resolution strategies, and performance outcomes.
Alongside consulting, I actively contribute as teaching faculty & Trainer with reputed institutions delivering advanced programs in Corporate Finance, Financial Risk Management, and Investment Banking, shaping future finance professionals.
