Sumit Rawat

Operations Associate

Gurugram, Haryana, India7 yrs 9 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

7 years of experience in Banking and Financial Services
Expertise in Fixed Income and Risk Management
Proficient in automation tools using Python, R, and VBA

Stackforce AI infers this person is a Fintech professional with strong expertise in risk management and financial analysis.

Contact

Skills

Core Skills

Risk ManagementStructured FinanceCredit RiskFinancial AnalysisMortgage Underwriting

Other Skills

Microsoft ExcelMarket RiskBloomberg TerminalPreqinIntexCalcUnixSQLPython (Programming Language)Team ManagementRVisual Basic for Applications (VBA)Fixed IncomeValuationBlackRock eFrontMicrosoft Power BI

About

I am a seasoned Banking and Financial Services professional with over 7 years of experience spanning across Fixed Income Securities, Structured Products, Securitization, Credit Underwriting and Financial Advisory. My career journey has taken me through leading financial institutions such as BlackRock, Moody’s, and ICICI Bank, where I’ve worked on valuation & risk assessment of complex financial products and contributing to advisory projects across global markets. With a strong academic foundation in Financial Engineering, Financial Management, and Computer Engineering, I bring a rare blend of financial acumen and technical expertise. I’ve built automation tools in Python, R, VBA, and SQL to streamlined processes and enhanced proprietary credit models. Beyond technical skills, I thrive in project management, stakeholder collaboration, and cross-functional teamwork. My goal is to continue bridging the gap between traditional finance and modern data-driven solutions, contributing to innovation in fixed income, risk management and quantitative analysis domain.

Experience

7 yrs 9 mos

Total Experience

2 yrs 7 mos

Average Tenure

4 yrs 6 mos

Current Experience

Blackrock

Associate

Nov 2021 – Present · 4 yrs 6 mos · Gurugram · Hybrid

FINANCIAL MARKETS ADVISORY (FMA) - Capital Markets
FMA support clients on their most critical and complex financial issue (unwinding portfolio of assets, crafting and executing bond purchase programs) by leveraging the firm's sophisticated capital markets, data analytics and technology capabilities.
Advisory for regulators/financial institutions on valuations, pricing and risk assessment of fixed income securities, structured products and whole loans.
Providing collateral analysis, valuation, risk assessment and cashflow projections of RMBS products and whole loan portfolios.
Managing multiple projects while ensuring adherence to deadlines, optimal resource allocation and quality control.
Developing internal automation tools and overhauling existing tools using Python, R and VBA.

Microsoft ExcelMarket RiskStructured FinanceRisk ManagementBloomberg TerminalPreqin+11

Moody's investors service

Associate Analyst

Aug 2019 – Oct 2021 · 2 yrs 2 mos · Bengaluru Area, India

STRUCTURED FINANCE GROUP
Published quarterly performance overview reports on Covered Bonds, emphasizing the collateral pools' performance.
Conducted due diligence on deal documents, underlying collateral for drafting pre-sale and new issuance reports for RMBS/ABS transactions.
Designed and implemented VBA-enabled tools to enhance efficiency and streamline the review process across various projects.

Microsoft ExcelStructured FinanceCredit riskTeam ManagementVisual Basic for Applications (VBA)Fixed Income

Icici bank

Credit Manager

Jun 2018 – Jul 2019 · 1 yr 1 mo · Mumbai Area, India · On-site

MORTGAGE LOAN CREDIT
Appraised/underwrote the loan for various asset products (Mortgage) within a time bound schedule.
Analyzed data and financial statements to determine the applicant's credibility, repayment capacity and degree of risk involved in extending credit.
Collaborated with other functionaries of the bank (Legal, Technical, Risk containment Unit and FI Agency) to ensure seamless credit delivery.
Disbursed credit of ₹ 2,243.6 million during my stint as credit manager

Microsoft ExcelFinancial AnalysisTeam LeadershipMortgage Underwriting

Finflock systems pvt ltd

Quantitative Analyst (Intern)

Jan 2018 – Apr 2018 · 3 mos · New Delhi, Delhi, India · Remote

Worked on implementation of Relative Valuation model –“Method of Comparables‟ using R programming.
Worked on R using “XTS‟ and “PerformanceAnalytics‟ packages for portfolio construction and optimization.
Constructed schema for database with the help of other team members.
Designed tutorials on Excel VBA, Equity Research and Valuation for non-finance background professionals.

SQLPython (Programming Language)RVisual Basic for Applications (VBA)

State bank of india

Management Intern

May 2017 – Jul 2017 · 2 mos · New Delhi · On-site

Worked in Cross Selling Department (PBBU) of SBI and understood the business process of the department.
Learned basic terms and concepts of Personal Banking Business Unit and their Insurance product, with special focus on credit life insurance products of SBI.
Analyzed the insurance sector of India and its importance in the economy.
Done project on comparative studies of credit life insurance products of SBI with HDFC and Punjab National Bank (PNB).

Oil and natural gas corporation ltd

Summer Intern

Jun 2015 – Jul 2015 · 1 mo · New Delhi Area, India · On-site

Worked on "Visitor Management System" which was designed to maintain the database of the visitors of ONGC. Whole project was developed in visual studio 2013 using C#.NET language and excel sheets were being used as back-end database.