Rushali Gujrathi
BNP Paribas ISPL, Mumbai
Mumbai
5
Years of experience
Detail-oriented Corporate Credit Analyst with 4.5 years of experience in credit underwriting, financial analysis, and risk assessment. Skilled in managing portfolios and preparing credit proposals for diverse corporate counterparties across APAC. Proven ability to conduct industry analysis and monitor financial performance, delivering insights that support strategic decision-making.
Work History
Credit Analyst
1 Year 5 Months- Conduct in-depth credit analysis for large corporate clients across the APAC region across sectors including FMCG, wholesale and retail trading, automobile, steel, pharma, energy, and infrastructure.
- Perform financial spreading, ratio analysis, projections, and evaluation of liquidity, leverage, and covenant compliance.
- Manage and monitor a portfolio of approximately 140 counterparties / corporate clients, ensuring timely risk assessments, limit monitoring, and proactive risk identification.
- Undertake risk assessment including PD, LGD, EWI, DWI, and security position of customers.
- Prepare credit proposals and risk assessment notes for new transactions, renewals, and amendments.
- Perform annual and interim credit reviews, identify early warning signals, and track portfolio risk migration.
- Conduct peer benchmarking, industry analysis, and macroeconomic assessments.
- Collaborate with front office, regional risk teams, and global stakeholders to support deal execution, documentation, and limit management.
Credit Manager – Supply Chain Finance (SCF)
6 Months- Analyzed financial statements, credit reports, and related documents to evaluate creditworthiness.
- Managed the credit risk and approval process for supply chain finance transactions.
- Reviewed high-risk accounts and delinquency, and coordinated with Sales, CAD, and customer service teams.
- Managed the credit risk portfolio with respect to credit rating and internal audit observations.
Business Analyst – Supply Chain Finance (SCF)
2 Years 8 Months- Supported business teams in end-to-end credit approval for the designated region.
- Conducted client discussions to understand business models and funding requirements.
- Assessed creditworthiness using CIBIL scores, financial statements, and bank statements.
- Prepared Credit Assessment Memo (CAM) and presented proposals to the Risk Team.
- Managed renewals / enhancements and ensured adherence to credit policy and process standards.
Education
Semi-Qualified Chartered Accountant
PGDM - Banking & Finance
Graduation
Skills
Credit analysis
Risk assessment
Risk analysis
Decision making
Portfolio management
Microsoft Excel proficiency
Communication skills
Timeline
Credit Analyst
BNP Paribas ISPL, Mumbai
02.2025 - CurrentRead More
Credit Manager – Supply Chain Finance (SCF)
Yes Bank, Mumbai
08.2024 - 02.2025Read More
Business Analyst – Supply Chain Finance (SCF)
Aditya Birla Finance Limited
11.2021 - 07.2024Read More
Institute of Chartered Accountants of India
Semi-Qualified Chartered Accountant
Read More
NMIMS
PGDM from Banking & Finance
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Sydenham College of Commerce and Economics
Graduation
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Hobbies
Dancing, Listening music, road trips, Arts and crafts