Anupriya Shrivastava
pune
Summary
Detail-oriented analyst with strong skills in credit risk assessment, financial statement analysis, and portfolio monitoring. Proven ability to conduct thorough evaluations and due diligence to support informed decision-making.
Overview
3
3
years of professional experience
Work History
Rating Analyst
Infomerics Valuating and Rating Limited
Pune
2024.04 - Current
- Performed extensive credit analysis for mid- to large-sized companies across sectors including manufacturing, trading, real estate, service, and infrastructure, evaluating financial ratios, profitability, liquidity, industry benchmarks, and business risks both quantitatively and qualitatively.
- Evaluated both bank loan facilities and non-convertible debentures (NCDs), assessing structure, security features, redemption terms, and cash-flow sufficiency for timely debt servicing.
- Performed thorough evaluations of audited financials and cash-flow adequacy to derive accurate credit metrics.
- Prepared rating notes, rationale, and reports in compliance with SEBI and internal guidelines.
- Undertook plant visits, site inspections, and management meetings to understand operational and business processes.
- Engaged with promoters, CFOs, and auditors to clarify financial and operational inquiries.
- Executed industry research and peer comparisons for informed rating assignments.
- Conducted scenario analysis and stress testing on revenue to evaluate resilience under adverse conditions.
- Reviewed material events, ensuring timely assessments and actions within SEBI timelines.
- Monitored portfolios, tracked covenants, and analyzed quarterly performance of rated entities.
- Maintained accurate records of ratings and related documentation for audits.
- Managed client relationships by responding promptly to inquiries regarding rating changes or outlooks.
Internship- Associate
Maycap Advisors
2023.04 - 2023.06
- Supported analytical and financial evaluation activities for LTOM project.
- Gained hands-on exposure to project finance, assessing viability and structuring.
- Consolidated and validated financial statements in Excel, ensuring data accuracy.
- Performed risk analysis to identify financial, operational, and project-related risks.
- Developed comprehensive risk matrix to facilitate decision-making and project evaluation.
Education
MBA - Finance
Symbiosis School of Banking And Finance
Pune, India 2024-01
B.com (Hons) - Accounts
Institute For Excellence in Higher Education
Bhopal 2021-01
Class XII -
Carmel Convent Sr. Sec School BHEL
Bhopal 2018-01
Class X -
Carmel Convent Senior Secondary School
Bhopal 2016-01
Skills
- Financial statement analysis
- Credit risk assessment
- Counterparty credit evaluation
- Cash flow and ratio analysis
- Annual and event-driven reviews
- Sector and industry risk assessment
- Rating methodology application
- Portfolio monitoring
- Covenant analysis
- Working capital assessment
- Liquidity and solvency evaluation
- Due diligence
- Security receipts
- Competitor benchmarking
- Client management and interaction
- MS Excel proficiency
Affiliations
Member of the Banking Drive Committee at Symbiosis School of Banking and Finance.
Timeline
Rating Analyst
Infomerics Valuating and Rating Limited
2024.04 - Current
Internship- Associate
Maycap Advisors
2023.04 - 2023.06
MBA - Finance
Symbiosis School of Banking And Finance
B.com (Hons) - Accounts
Institute For Excellence in Higher Education
Class XII -
Carmel Convent Sr. Sec School BHEL
Class X -
Carmel Convent Senior Secondary School