Resume
Experience
2019 - Present
LEAD CREDIT ANALYST
As a Credit Officer, I manage a portfolio of bank and financial institution counterparties, prepare credit applications, propose internal ratings and limits, and monitor credit risk and regulatory measures like EAD, LGD, and RWA. I negotiate legal documentation (ISDA/CSA, GMRA, loan agreements), collaborate with Global Operating Centers and RMs to support sales and trading, and adjust credit limits based on credit events and internal ratings.
2016 - 2019
SENIOR RESEARCH ANALYST
​Supported global investment banks in counterparty credit risk assessment, conducted CAMELS analysis, and assigned internal ratings and limits. I produced credit assessment reports, monitored credit events, updated financial models, and mentored junior analysts. I also developed custom pilot reports and was recognized with the "CLAP Award" and a nomination for the "Bright Spark Award" within 6 months.
2014 - 2016
CREDIT ANALYST
Conducted credit analysis and prepared assessments and applications for global financial institution clients, primarily banks. I assigned internal ratings using proprietary rating models, regularly communicated with Global Relationship Managers and the onshore Risk team, and prepared comprehensive Industry Analysis Reports.
2013 - 2014
CONSULTANT
Reviewed operational processes and control frameworks, conducted process risk assessments, and identified control risks with recommended mitigation measures. I drafted internal audit reports, analyzed workflow processes, and collaborated on various projects across multiple teams. I also customized deliverables for onshore counterparts and received appreciation from the PwC Australia Engagement Team for delivering high-quality work.
Education
THE INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
Chartered Accountant
Membership #: 306557
Certified Chartered Accountant from The Institute of Chartered Accountants of India, specialising in Tax.
UNIVERSITY OF CALCUTTA
Bachelor of Commerce (Hons)
Completed Bachelor of Commerce with Honors from Calcutta University.
Professional Skillset
Analytical
Accomplished leader
Detail-Oriented
Client-Focused
Languages
English (proficient)
Bengali (proficient)
Gujarati (native)
Hindi (proficient)