1
Language
12
years of professional experience
Credit Risk professional with 10+ years of total experience combining deep expertise in corporate credit analysis, financial statement analysis, and risk assessment. Currently working as 'Assistant Vice President – Credit Analyst' at BNP Paribas bank, responsible for preparing and presenting credit reports to credit committees, conducting internal ratings, annual and interim credit reviews, and risk management of large corporate portfolios across diverse sectors. Previously spent 10 years with Standard & Poor's (S&P Global), including an international assignment in Frankfurt, where extensive experience was gained in credit analysis, financial modelling, and credit ratings across a broad range of sectors. Chartered Accountant by profession with growing focus on credit risk modelling and stakeholder management across Europe and Asia Pacific
Work History
Assistant Vice President, Credit Analyst
10 Months- Perform detailed analysis of the credit worthiness of large corporate clients across Asia Pacific portfolios, using quantitative and qualitative factors including financial spreading, ratio analysis, liquidity, leverage, and covenant assessment.
- Manage and monitor a portfolio of ~140 counterparties, with ~50 active corporate customers in Hong Kong, ensuring timely credit risk assessment and surveillance of bank's exposure.
- Credit analysis involves assigning internal rating to clients based on financial statement analysis, understanding of the economy and accounting standards applicable.
- Monitoring compliance of exposures with internal bank rules.
- Prepare comprehensive credit report and risk assessment notes for new transactions, renewals, and amendments in line with internal risk frameworks and regulatory standards.
- Perform rating review and Present credit proposals and key risk considerations to internal credit committees, addressing queries and supporting informed approval decisions.
- Conduct annual and interim credit reviews on clients, identifying any early warning indicators and tracking portfolio risk migration.
- Monitor and manage watchlisted, intensive care and non-performing exposures.
- Perform peer benchmarking, industry analysis, and macro-economic risk assessment to support credit decision-making.
- Collaborate with front office, regional risk teams, and global stakeholders to support deal execution, documentation, limit monitoring, and checking conditions precedent for loan payments are met.
- Contribute to process improvements, data validation, and reporting automation initiatives to enhance analytical efficiency and control quality.
Lead Analyst
9 Months- I have been working with CRISIL Ltd since May 2016. As part of my tenure, I had the opportunity to work with its parent company, S&P Global Europe Ltd, in Frankfurt from November 2023 to November 2024 at an ‘Associate’ role. Upon completing my assignment in Frankfurt, I resumed my role at CRISIL in December 2024. My professional experience with both S&P Global and CRISIL is detailed below.
Associate
1 Year- Assessed the creditworthiness of a portfolio of European investment-grade and non-investment-grade capital goods companies through comprehensive business, industry, and financial analysis.
- Managed the end-to-end credit rating process, including financial statement analysis, financial modelling and forecasting, preparation of credit reports and committee materials, and presentation of rating recommendations to credit committees, and preparation of meeting minutes.
- Monitored portfolio credit quality by evaluating operating performance, public and private information, and the impact of acquisitions, refinancing, restructurings, and other material credit events, while maintaining relationships with issuers, CFOs, Treasurers, and financial advisors.
- Authored rating reports and sector research, contributed to investor outreach and industry publications, and presented at investor conferences.
Lead Analyst
7 Years 6 Months- Collaborated with S&P Global credit analysts to assess corporate credit ratings through business, industry, financial, country, and macroeconomic analysis, evaluating competitive positioning, management strategy, and operating performance.
- Monitored portfolio credit quality, performed financial statement analysis and financial modelling (historical and forecast), assessed material credit events, and prepared internal credit research reports and rating recommendations.
Credit Rating Analyst
1 Year 3 Months- Undertook credit assessment for corporate clients in the mid-market segment by analyzing the financial statements. Prepared detailed credit reports and assigned internal rating.
Executive - International Taxation
9 Months- Assessments under Income Tax Act, drafted and assessed the submissions to be made to Income Tax Department.
Education
Chartered Accountant - Accounting & Finance
Bachelor of Commerce - Accounting And Finance
Skills
Corporate credit risk analysis
Corporate finance
Corporate banking
Microsoft applications
Credit Rating Methodologies
Risk assessment
Watchlist
intensive-care and NPL management
Financial Statement Analysis
Financial Modelling
Quantitative & Qualitative Analysis
Languages
English - Fluent (written and verbal)
Timeline
Assistant Vice President, Credit Analyst
BNP Paribas bank
10.2025 - CurrentRead More
Lead Analyst
CRISIL Limited (A subsidiary of S&P Global Ratings)
12.2024 - 09.2025Read More
Associate
S&P Global Ratings
11.2023 - 11.2024Read More
Lead Analyst
CRISIL Limited
05.2016 - 11.2023Read More
Credit Rating Analyst
Dun & Bradstreet
01.2015 - 04.2016Read More
Executive - International Taxation
KPMG
03.2014 - 12.2014Read More
The Institute of Chartered Accountants of India
Chartered Accountant from Accounting & Finance
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Mumbai University
Bachelor of Commerce from Accounting And Finance
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KEY ACHIEVEMENTS
- Led training and quality reviews for new analysts, improving analytical quality and reducing their turnaround time by 50%.
- Implemented automation initiatives to streamline workflows and improve operational efficiency across credit processes, reducing turnaround time by 40%.
- Supported business continuity during periods of high attrition, maintaining portfolio quality and governance standards.
Languages
- Highly Proficient in both written and spoken English.