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Avirag Verma

Operations Associate

Mumbai, Maharashtra, India2 yrs 8 mos experience

Key Highlights

  • Expert in credit ratings for large corporates.
  • Strong analytical skills in financial performance assessment.
  • Interned at Credit Suisse focusing on regulatory reporting.
Stackforce AI infers this person is a Credit Risk Analyst with expertise in financial analysis and corporate credit ratings.

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Skills

Core Skills

Credit RatingCredit Risk Management

Other Skills

Portfolio ManagementSQLCash Flow ForecastingStress TestingModeling and SimulationFinancial ModelingFinancial Planning and Analysis (FP&A)Data AnalyticsFinanceMicrosoft ExcelCorporate FinanceDigital MarketingData AnalysisMicrosoft OfficeMarket Research

About

In my most recent role, I was involved in assigning credit ratings to large corporates in the real estate sector. My work involved assessing the capital structure, market position, financial performance, balance sheet strength of corporates and the impact of macro economic factors on corporate P/L, working capital, and cash flow generation. My domain expertise also covers roads and EPC sectors among others. I have interned as a Credit Risk Analyst at Credit Suisse in the Chief Risk Office where I worked on regulatory reporting as a part of the stress testing division. I am an MBA from the Indian Institute of Foreign Trade, Kolkata with majors in Finance and Marketing. I have completed Bachelor's in Engineering from Birla Institute of Technology and Science, Pilani (Hyderabad) majoring in Civil engineering.

Experience

Citi india

Credit Risk Officer

Dec 2025Present · 4 mos · Mumbai, Maharashtra, India · Hybrid

Crisil

2 roles

Senior Rating Analyst

Promoted

Apr 2025Dec 2025 · 8 mos · Mumbai, Maharashtra, India

Rating Analyst

Jul 2023Mar 2025 · 1 yr 8 mos · Mumbai, Maharashtra, India

Credit RatingPortfolio Management

Tata consultancy services

Summer Intern

May 2022Jul 2022 · 2 mos · Remote

  • Worked in the Strategic Initiatives (ESG Function) performing research and analysis on the impact of the EU Taxonomy on the insurance industry.

Credit suisse

Credit Risk Analyst

Jul 2019Dec 2019 · 5 mos · Pune · On-site

  • Interned in the stress testing domain of the Chief Risk Office (CRO) covering OTC instruments for stress testing and regulatory reporting under BASEL-III requirements for counterparty risk assessment
Credit Risk ManagementSQL

Ultratech cement

Summer Intern

May 2017Jun 2017 · 1 mo · Gujarat · On-site

Education

Indian Institute of Foreign Trade

Master of Business Administration - MBA

Jul 2021Mar 2023

BITS Pilani, Hyderabad Campus

Bachelor of Engineering - BE — Civil Engineering

Aug 2016Aug 2020

BITS Pilani, Hyderabad Campus

Minor — Accounting and Finance

Jan 2017Jun 2019

Delhi Public School - Bopal, Ahmedabad

Apr 2000Apr 2015

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