Summary
Overview
Work History
Education
Skills
Websites
Extracurricular Activities
Timeline
Generic

Anurag Jain

Kolkata

Summary

Finance expert specializing in credit risk analysis and leveraged finance, supported by a US CPA certification. Skilled in working alongside Relationship Managers and Credit Officers to facilitate informed credit underwriting and effective portfolio management. Achievements include optimizing financial forecasting processes and improving risk assessment methodologies.

Overview

2
2
years of professional experience

Work History

Credit analyst

HSBC EDPI
Kolkata
07.2024 - Current
  • Conducted comprehensive credit assessments of counterparties, including financial statement spreading, ratio analysis (liquidity, leverage, coverage, profitability), peer benchmarking, and industry risk evaluation, to support the Commercial Banking Relationship Management team.
  • Applied internal corporate rating methodologies and prepared detailed credit recommendations (for new and existing clients), incorporating knowledge of banking products to evaluate exposures and ensure accurate internal risk ratings.
  • Exposure in leveraged finance analysis, performing stress testing and sensitivity scenarios on liquidity and leverage ratios, assessing covenant compliance, and building forward-looking financial forecasts to evaluate client sustainability under stress conditions.
  • Assessed sustainability, environmental, reputational, and fraud-related risks while maintaining strict compliance with FIM guidelines and collaborating with Relationship Managers and Risk Officers to deliver high-quality, timely credit recommendations.
  • Identified opportunities for process improvements to enhance accuracy, efficiency, and timeliness of deliverables.

Process Lead

Capgemini
Kolkata
10.2023 - 07.2024
  • Led variance analysis of a $35Bn fixed asset portfolio, identifying deviations across P&L, balance sheet, and capex items.
  • Reconciled SAP S/4 HANA and BPC outputs for monthly/quarterly closes and prepared manual post-close journal entries.
  • Drafted 10-K/10-Q footnotes related to intangible assets, goodwill, and asset retirement obligations, ensuring compliance with US GAAP and SEC standards.
  • Tested and deployed Winshuttle-based automation for SAP entries, improving reporting turnaround and accuracy.
  • Supported internal audit and flash reporting cycles; ensured alignment with internal controls and SOX compliance.

Education

CPA -

AICPA
08.2023

B.COM(H) -

ST. XAVIER'S COLLEGE
Kolkata
06.2021

CA- INTER -

ICAI
01.2021

ISC-CLASS 12 -

DPS NEWTOWN
Kolkata
05.2018

Skills

  • Credit analysis and underwriting
  • Financial analysis and modeling
  • SAP S/4HANA
  • Microsoft Excel, PowerPoint and Word

Websites

Extracurricular Activities

  • Organized workshops on credit analysis techniques and financial statement evaluation for peers
  • Participated in case competitions involving real-world credit risk assessment and lending decision-making

Timeline

Credit analyst

HSBC EDPI
07.2024 - Current

Process Lead

Capgemini
10.2023 - 07.2024

CPA -

AICPA

B.COM(H) -

ST. XAVIER'S COLLEGE

CA- INTER -

ICAI

ISC-CLASS 12 -

DPS NEWTOWN

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Anurag Jain