APURVA DABRA
Seasoned Credit Analyst
Mumbai
Summary
Seasoned Credit Analyst specializing in comprehensive financial and business risk assessment for large corporate entities across diversified industries. Proven expertise in assigning credit ratings, developing robust financial models, and ensuring strict adherence to SEBI compliance while proactively managing continuous risk surveillance.
Overview
13
13
years of professional experience
Work History
Senior Analyst
India Ratings and Research Pvt Ltd - Fitch Group Company
06.2024 - Current
- Conducted in-depth credit analysis of companies, mainly large corporate (listed and private limited companies) with revenues of over INR 700 crore onwards in diversified industries, namely information technology, logistics, warehouses, aviation training, etc.
- Assignment of credit ratings is based on companies' financial profiles, business profiles, industry positions, corporate governance, and competitive positions.
- Preparing high-quality, detailed credit rating notes for presentation to the rating committee.
- Development of financial models for the facilitation of the credit rating process and risk management.
- Closely interacted with the top management of the company to resolve and review queries regarding the rating process.
- Preparation of rating action commentary and dissemination of the same on India Ratings' website for communication of ratings to market participants.
- Continued monitoring of assigned cases for any material events, and prompt action for any identified risk events.
- Continuously delivered all the work in a timely manner, and as per SEBI-prescribed guidelines.
- Assisted in training new individuals for a smooth experience in the work profile.
Manager
HDFC Bank Ltd
04.2019 - 05.2024
- Credit underwriting of credit proposals for home loans and loans against property of ticket size up to INR 50 cr for various HNIs and mid-corporate with revenues over Rs. 500 cr, encompassing various industries.
- Analyzing the company's financial performance, which includes past and current financial performance, industry analysis, a detailed analysis of overall credit history and current leverage, various financial ratios, and internal and external ratings of the client. Projecting future incomes and performing sensitivity analysis.
- Discussing business models with the client, understanding their revenue models.
- Making detailed and effective case recommendations for seeking senior credit authority approvals.
- Ongoing monitoring of the assigned portfolio of credit clients and channel handling of the DSA vertical.
- Maintaining low decision turnaround time while complying with credit norms as per HDFC policy and RBI guidelines.
Credit Manager
Hero Housing Finance Ltd
06.2018 - 03.2019
- Assessed credit risk and analyzed financial statements, and made recommendations for home loan and loan against property products for affordable segment applications, while complying with internal policies and various guidelines.
- Ensuring smooth legal, technical, and disbursement completion.
- Worked cross-functionally with sales, management, and other departments to maintain effective operations.
Management Trainee
Indiabulls Housing Finance Limited
05.2016 - 05.2017
- Assessed credit risk and analyzed financial statements.
- Made recommendations to senior credit authorities while ensuring legal & technical & disbursement completion
Articled Assistant
APRA & Associates
10.2012 - 10.2015
- Played a key role in indirect taxation matters.
- Handled accounting, end-to-end preparation of financial statements, and preparation and filing of income tax returns.
Education
Chartered Accountant -
Institute of Chartered Accountants of India (ICAI)
New Delhi11.2015
B.COM -
SOL Delhi University
01.2014
12th Standard -
St. Thomas School (I.S.C)
Yamuna Nagar, Haryana03.2011
10th Standard - undefined
St. Thomas School (I.C.S.E)
Yamuna Nagar, Haryana03.2009
Skills
Financial statement analysis
Timeline
Senior Analyst
India Ratings and Research Pvt Ltd - Fitch Group Company
06.2024 - Current
Manager
HDFC Bank Ltd
04.2019 - 05.2024
Credit Manager
Hero Housing Finance Ltd
06.2018 - 03.2019
Management Trainee
Indiabulls Housing Finance Limited
05.2016 - 05.2017
Articled Assistant
APRA & Associates
10.2012 - 10.2015
10th Standard - undefined
St. Thomas School (I.C.S.E)
Chartered Accountant -
Institute of Chartered Accountants of India (ICAI)
B.COM -
SOL Delhi University
12th Standard -
St. Thomas School (I.S.C)