Aug 2022 – Apr 2023 · 8 mos · Gurugram, Haryana, India

• Credit risk analysis of a portfolio of large corporate companies across regulated utility and oil & gas (upstream and midstream) sectors.

Jan 2022 – Jul 2022 · 6 mos

• Managing a portfolio of about 20 Sponsor Owned Corporate customers and engaged in end to end Commercial/Corporate lending cycle. Primary work involves reviewing and analysing term loan and revolving credit loan (both syndicated and bilateral) requests for new to bank customers and refinance of debt facilities of existing customers.
• Key responsibilities include -
• 1. On-boarding of customers.
• 2. Review of business profile and in-depth financial analysis (historical & forecasted).
• 3. Modelling of financial and non-financial information on grading models to assign Probability of Default (PD), Exposure at Default (EAD) and Loss Given Default (LGD).
• 4. Running capital returns model to ascertain returns and associated Risk Weighted Assets (RWAs).
• 5. Ensure compliance with internal lending policies and frameworks.
• 6. Preparation of credit paper and providing business recommendations for underwriting process.
• 7. Post approval administration and delivery to customer.
• 8. Periodic review of client’s management information and annual reviews of client portfolio.

Jul 2018 – Dec 2021 · 3 yrs 5 mos

• Managing a portfolio of 25+ large corporate clients within Consumer Retail, Healthcare and Hospitality and Technology and Media industries.
• Liaising with client treasury teams to understand their day to day requirements and executing requests internally.
• Writing credit applications and recommendations for providing facilities such as: Syndicated and bilateral debt funding, cash management facilities and trade finance amongst others.
• Working with banks and other financial institutions in executing debt syndication for large corporate clients.
• Analysing customer’s financial performance and position periodically to ensure covenant compliance and write credit reports.

Feb 2017 – Dec 2017 · 10 mos · Gurgaon, Haryana, India

• Senior Analyst | Valuations | Transaction Advisory Services
• Financial modelling and business valuation using income/market approach.
• ASC 350 and ASC 805 (purchase price allocation) analysis.
• Sound knowledge of and proficiency in databases like Capital IQ and Bloomberg.
• Industry and economic analyses of sectors such as oil and gas, metals and mining and other diversified industrial products.

Oct 2016 – Jan 2017 · 3 mos · New Delhi Area, India

• Credit manager for Retail Business Loans of small ticket size for New Delhi region.