Madhura Bhat — Operations Associate
I am a finance professional with over ~ 5 years of experience in credit analysis, risk assessment, and portfolio management in the NBFC sector. My career has been shaped by a strong focus on corporate lending, structured finance, and risk mitigation strategies, enabling me to design and deliver credit solutions that drive growth while safeguarding institutional stability. “Risk comes from not knowing what you are doing.” – Warren Buffett Over the years, I have gained hands-on experience in: - Corporate Lending – Evaluating large and mid-sized corporates, structuring credit facilities, and ensuring alignment with business growth and risk appetite. - Structured Finance Products – Loans against shares, promoter funding, and tailor-made credit offerings. - Credit Analysis & Risk Assessment – Reviewing financial statements, analyzing cash flows, stress testing portfolios, and developing frameworks to measure resilience. - Portfolio Management – Monitoring credit exposures, ensuring compliance, and working on de-risking initiatives to strengthen portfolio quality. My approach combines analytical rigor with strategic thinking. I believe credit is not just about approving or rejecting proposals, but about creating solutions that enable businesses to grow responsibly. Collaborating with internal and external stakeholders has helped me design lending strategies that balance opportunity with prudence. Beyond numbers, I am passionate about: * Building sustainable credit portfolios that support long-term business growth. * Driving risk-aware lending practices that reduce systemic vulnerabilities. * Contributing to credit strategy formulation that aligns with organizational objectives. I strongly resonate with the idea that finance is not just about capital, but about trust, responsibility, and foresight. Every lending decision impacts not just balance sheets, but livelihoods, industries, and the broader economy. “The essence of risk management lies in turning uncertainty into opportunity.” As I continue to grow in my career, I aim to contribute towards strengthening risk frameworks and supporting innovation in corporate lending and credit solutions. I am always open to connecting with professionals in finance, banking, and investment—to exchange ideas, explore opportunities, and contribute to building a stronger financial ecosystem. Let’s connect if you share an interest in credit, risk management, or sustainable finance.
Stackforce AI infers this person is a finance professional with expertise in credit analysis and risk management in the NBFC sector.
Location: Mumbai, Maharashtra, India
Experience: 4 yrs 3 mos
Skills
- Credit Analysis
- Financial Analysis
- Risk Assessment
Career Highlights
- Over 5 years of experience in finance and credit analysis.
- Expert in corporate lending and risk mitigation strategies.
- Passionate about sustainable finance and credit solutions.
Work Experience
IndusInd Bank
Manager -FSG (1 yr 2 mos)
STCI Finance Limited
Assistant Credit Manager (1 yr 8 mos)
Chegg India
Subject Matter Expert (2 yrs)
CRISIL Limited
Analyst (1 yr 5 mos)
Harvard Business Review
Member (0 mo)
KD Practice Associates LLP
Finance Intern (3 mos)
Internshala
Internshala student partner (3 mos)
Future-Impact virtual internship
investment management (0 mo)
KPMG virtual internship
Data Analytics (0 mo)
Education
Finance at The University of Texas at Dallas
PGDM at ITM Business School
Bachelor of Commerce - BCom at Dr. Ambedkar College, Nagpur
at Institute of Chartered Accountants of India
