Summary
Overview
Work History
Education
Skills
Certification
Interests
Timeline
Generic
Akhil Gupta

Akhil Gupta

Commercial Mortgage & Credit Risk Analyst
Pune

Summary

Credit Risk & Structured Finance Professional | Expertise in Mortgage Valuation/Analysis, CECL Modeling, Model Tie-out/ Validation and Financial Reporting

Overview

13
13
years of professional experience
2
2
Certifications

Work History

Associate in Finance control (Mortgage Accounting)

TIAA
08.2023 - Current
  • Working as an Associate in Finance control (Mortgage Accounting) division of TIAA after transitioning from TIAA Bank.
  • Roles and responsibilities:
  • Perform monthly validation and reconciliation of TIAA’s Commercial Mortgage and Residential Mortgage portfolios, ensuring accurate accounting treatment and valuation of CRE assets.
  • Analyze credit risk exposure by monitoring portfolio risk trends, including geographic concentration, property types, Gain/Loss and loan-to-value (LTV) metrics across the commercial mortgage book.
  • Collaborate with servicers, asset managers, credit teams, third-party accountants, and loan originators to evaluate new loan quality and assess credit risk impact on overall portfolio performance.
  • Maintain and enhance SOX control documentation, ensuring compliance with internal policies and regulatory requirements tied to credit and investment risk.
  • Support regulatory reporting and data submissions related to CRE holdings and credit risk analytics, including stress testing inputs and scenario analyses.
  • Conduct tie-outs of securities and mortgage balances to ensure accurate risk representation across financial and credit risk reporting frameworks.

Associate in Finance control (Bank Controllership)

TIAA
10.2020 - Current
  • Working as an Associate in Finance control (Bank Controllership) division of TIAA Bank.
  • Roles and responsibilities:
  • Responsible for the analysis of Residential portfolio and Commercial Real Estate(CRE) portfolio of the Bank.
  • Led CECL/ALLL reserve modelling for Residential and HELOC loan portfolios, integrating both qualitative and quantitative risk factors.
  • Performed credit risk analysis related to loan forbearance, delinquency trends, and liquidity impact under the CARES Act and based on ALCO committee.
  • Conducted model validation and tie-outs for credit loss estimation models, ensuring accuracy and audit readiness.
  • Analyzed derivative and hedge positions, validating hedge effectiveness for mortgage exposures.
  • Established strong relationships with key stakeholders, facilitating effective communication across departments and teams.
  • Managed general ledger reconciliations and prepared key inputs for regulatory reporting.
  • Presented quarterly credit risk dashboards and KPI scorecards to senior leadership and risk committees.

Senior Analyst for GTB

Deutsche Bank CIB, Mumbai
05.2019 - 10.2020
  • Worked as Analytical Analyst for Fixed Income Securitized products in Global Transaction Banking division.
  • Roles and responsibilities:
  • Developed and automated bond payment models for securitized products including RMBS, ABS, and CMBS, improving process efficiency.
  • Monitored credit and operational risks in structured finance transactions across multiple geographies.
  • Supported trustee, tax agent, and custodian responsibilities, ensuring compliance with Pooling and Servicing Agreements (PSAs).
  • Led reconciliation and validation of cash flows, bond structures, and internal models using iMake and investor reports.

Operations Analysis Specialist for Fixed Income Securitized products

IHS Markit, Noida
03.2016 - 05.2019
  • Worked as Operations Analysis Specialist for Fixed Income Securitized products (Complex asset valuation) in Structured Finance division.
  • Roles and responsibilities:
  • Conducted independent price verification (IPV) for structured products including RMBS, CMBS, ABS, and CLOs across Europe and APAC.
  • Served as single point of contact for valuation queries from trading desks, buy-side clients, and dealers.
  • Validated bond pricing using Intex, SQL, and Excel, and by analyzing waterfall deal structure modeling to assess deal performance.
  • Supported contributed and evaluated pricing and client billing functions, ensuring data integrity and regulatory alignment.
  • Modified the existing methodology of Bond valuation and Sector curves.

Associate Analyst for the US Mortgage Banking Industry

XL Dynamics, Mumbai
12.2014 - 02.2016
  • Worked as Associate Analyst for the US Mortgage Banking Industry.
  • Roles and responsibilities:
  • Assessed credit risk of U.S. mortgage loans in line with KYC/AML norms.
  • Reviewed financials and agreements for compliance checks.
  • Creating closing disclosure/HUD statement as per regulatory standards.

Asst. Manager Operations

Axis Bank Ltd, Punjab
10.2012 - 08.2014
  • Worked as Asst. Manager Operations in Axis Bank Ltd.
  • Roles and responsibilities:
  • Providing finance/operation services in the country's top commercial private Retail Banking segment.
  • Managed SME banking services e.g: Bank Guarantee, credit products, and compliance.
  • Oversaw KYC/AML norms and portfolio management for HNI clients.

Education

MBA - Finance

Lovely Professional University
Punjab
08-2012

B.E - Mechanical Engg.

SRESCOE | Pune University
08-2009

Skills

  • Commercial and residential mortgage analysis
  • Structured Finance (RMBS, ABS, CMBS, CLOs)
  • Independent Price Verification (IPV)
  • Portfolio Management & Valuation
  • Data Analytics & Reconciliation
  • Regulatory Reporting & Process Automation
  • Model Validation & Stress Testing
  • Programming Languages: Advanced Excel, SQL, Financial Modeling, Learning Python
  • Software Packages: MS Office Suite (Word, Excel, PowerPoint), SQL, Visio

Certification

Completed Executive Programme in Fintech, Banking & Applied Risk Management from IIM Lucknow in July 2023 which includes learning risk management, risk management/default prediction models, regulatory landscape, Fintech applications in Financial industry, Credit analysis i.e. reviewing Basel norms and applying various tests e.g. Altman’s Z Score, Credit scoring models etc and role of Block chain technology in Financial industry in future.

Interests

Travelling, Reading Novels/Magazines, Swimming & Tennis

Timeline

Associate in Finance control (Mortgage Accounting)

TIAA
08.2023 - Current

Associate in Finance control (Bank Controllership)

TIAA
10.2020 - Current

Senior Analyst for GTB

Deutsche Bank CIB, Mumbai
05.2019 - 10.2020

Operations Analysis Specialist for Fixed Income Securitized products

IHS Markit, Noida
03.2016 - 05.2019

Associate Analyst for the US Mortgage Banking Industry

XL Dynamics, Mumbai
12.2014 - 02.2016

Asst. Manager Operations

Axis Bank Ltd, Punjab
10.2012 - 08.2014

MBA - Finance

Lovely Professional University

B.E - Mechanical Engg.

SRESCOE | Pune University

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Akhil GuptaCommercial Mortgage & Credit Risk Analyst