I am a dedicated senior credit risk analyst with an experience of 2 years and 9 months in credit risk & loan portfolio management of mid - large corporate entities. My key focus areas involve assessing working capital requirements, analysis of the financial & counterparty information & preparation of credit reports. I aim to further enhance my skills in risk management, focusing on creating expertise in credit risk domain.
Overview
8
8
years of professional experience
1
1
Language
Work History
Senior Associate
BNP Paribas ISPL
04.2025 - Current
Prepared rigorous and synthetic proposals with comprehensive analysis in line with the bank policies, including analysis of financial statements, ratio analysis industry, economic data and presentation of all key risks.
Proposing to the credit committee appropriate Counter party ratings using internal tools.
Monitor clients’ credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants, change in ratings or any major event or material evolution.
Banking products worked on are Cash Credit, Over Draft, Bank guarantees, Letter of credit, Receivables Management & other working capital loans.
Catered to annual renewals and fresh onboarding clients.
Liaison with various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed
Senior Credit Risk Analyst
NatWest (Formerly Known as RBS) Digital Services India Private Limited
12.2022 - 03.2025
Worked with the RMs to carry out the credit risk analysis of the Invoice Financing (IF) facilities.
Credit report writing & Portfolio management of corporate entities ranging from small to large scale business enterprises pertaining to different sectors in the UK.
Carry out financial statement & cash flow analysis involving key working capital and repayment capacity ratio analysis to cover the financial obligations.
Verifying Legal IF agreements including the loan documents covering guarantee letters.
Assessing the size of the facilities in accordance with client's requirements and adequacy of the security to cover risk.
Identified deteriorating performance triggers such as decline in net worth, over utilization of facility indicating liquidity risk, drop in revenue or downgrade in the PD score.
Timely escalations to the onshore client managers based on the Early Warning Signals identified pertaining to any client or specific industry.
Investigation and analysis of the audit findings and summarizing them to the Relationship Manager & senior stakeholders with suggested remedies in place.
Suggesting risk mitigants to address credit risks resulting into minimal rejections from the credit.
Statutory Audit Executive
Ernest Young India LLP (EY)
04.2017 - 12.2022
Underwent Articleship & staff program Training (April 2017 to December 2021)
Worked as a Qualified Chartered Accountant (February 2022 to December 2022)
Performed statutory audit of listed and unlisted Indian companies and ensured compliance with the Companies Act, 2013.
Tested key financial controls for Internal Control Financial Reporting compliance.
Performed audit testing procedures including overall analytical procedures and analysis of major financial statement items to form an overall audit opinion.
Education
Chartered Accountant (CA) - Accounting And Finance
Institute of Chartered Accountant of India
Mumbai, India
04.2001 -
Bachelor of Commerce - Financial Accounting
KJ Somaiya College of Arts & Commerce
Mumbai
04.2001 -
Skills
Financial analysis
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Accomplishments
Credit Memo Creation - Created a credit memo analyzing risk issues in labor financing, which contributed to better risk management practices.
Fraud Event Escalation - Received appreciation for effectively highlighting a major fraud event, leading to crucial client exit decisions.
Letter of Appreciation - Recognized for exceeding role expectations to support key client engagements, enhancing team collaboration.
STRENGTHS
Financial Analysis - Proficient in analyzing and interpreting complex financial data to support risk assessment.
Timeline
Senior Associate
BNP Paribas ISPL
04.2025 - Current
Senior Credit Risk Analyst
NatWest (Formerly Known as RBS) Digital Services India Private Limited
12.2022 - 03.2025
Statutory Audit Executive
Ernest Young India LLP (EY)
04.2017 - 12.2022
Chartered Accountant (CA) - Accounting And Finance