ANKUR LUHADIA, CA, CS

• Lead independent credit risk reviews and underwriting validation across SME, mid-market, large corporate, and MNC client portfolios.
• Evaluate borrower cashflows, repayment capacity, and transaction structures, ensuring alignment with internal credit policies.
• Provide forward-looking risk insights and rating recommendations, supporting prudent portfolio growth.
• Strengthen credit risk frameworks, early warning systems, and portfolio monitoring processes.
• Collaborate with senior stakeholders to enhance underwriting standards and policy governance.

Key Impact

• Improved portfolio monitoring discipline and risk identification.
• Enabled proactive risk mitigation and credit decision-making.

• Conducted end-to-end credit underwriting of loans, including working capital, trade finance, and structured facilities.
• Built cashflow-based credit assessments (DSCR, stress testing) to evaluate repayment capacity.
• Partnered with business teams on deal structuring, pricing, and covenant design.
• Performed portfolio reviews and asset quality monitoring, ensuring adherence to credit policy.
• Worked closely with internal stakeholders to ensure efficient credit approval turnaround.

Key impact

• Structured large and complex financing transactions across sectors.
• Identified early stress signals, leading to timely restructuring and capital protection.

• Led underwriting for mid-market and multinational clients, including structured and acquisition finance.
• Designed customized credit solutions aligned to business models and regulatory frameworks.
• Presented credit proposals to committees and ensured robust credit evaluation standards.
• Established governance frameworks for portfolio monitoring and risk control.

• Managed corporate credit underwriting and portfolio risk assessment across industries.
• Conducted detailed financial analysis, working capital assessment, and covenant monitoring.
• Supported deal structuring and syndication strategies for growth capital and project finance.