I was reporting directly to Kunal during my stint at HSBC . Kunal exhibits great commercial acumen while dealing with his portfolio companies. He has a solid understanding of credit risk and varied business models and has an eye of small details . He is an excellent team manager who likes to get his hands dirty and is very forward looking and execution focused . He has fostered long term relationships with his portfolio clients who place 100 percent trust in his ability to assist them during intricate financial transactions . I wish him the absolute best in his next role as an entrepreneur.