Summary
Overview
Work History
Education
Skills
Awards
Skills And Certifications
Timeline
AccountManager
Ashish Raj

Ashish Raj

Credit Risk Analyst
Hyderabad

Summary

To leverage my analytical expertise in credit risk assessment and industry research, contributing to data-driven decision-making in a dynamic financial environment. I aim to apply my skills in fundamental credit analysis, financial modeling, and risk evaluation to support informed credit decisions. Seeking continuous growth through collaboration with experienced professionals, ensuring impactful contributions to the organization and its stakeholders.

Overview

2
2
years of professional experience
2
2
Languages

Work History

Credit Risk Analyst

Care Ratings Limited
05.2023 - Current
  • Conducted fundamental credit analysis of mid-corporate clients, assessing financial statements, cash flows, and key ratios to evaluate credit risk and determine creditworthiness.
  • Analyzed credit documents, including term sheets and loan portfolios, to assess structural risks and repayment capacity.
  • Prepared CMA data and financial projections to evaluate future financial performance and debt servicing ability.
  • Performed in-depth industry research and trend analysis across diverse sectors, including real estate, seafood, renewable energy, EPC, manufacturing, infrastructure, and retail, to assess external risks impacting financial performance.
  • Utilized internal credit models to interpret financial data, benchmark credit metrics, and derive risk insights for decision-making.
  • Conducted on-site plant visits to assess operational efficiency, management quality, and potential risks, providing actionable insights for credit decisions.
  • Presented detailed credit assessments to internal and external stakeholders, summarizing financial profiles and recommending credit ratings based on analytical findings.

Mortgage Product Team Intern

DCB Bank Ltd.
04.2022 - 05.2022
  • Collaborated with product and MIS managers to enhance the vendor empanelment system, improving operational efficiency.
  • Reviewed and audited 1,000+ vendor applications to ensure adherence to bank policies, identifying gaps and recommending process improvements.
  • Initiated the development of eNACH and eMandate portals using wireframe software, streamlining digital processes.
  • Assisted in planning and executing department events, contributing to team cohesion and morale.

Finance Intern

Bokeh Photogenic Pvt Ltd
01.2022 - 03.2022
  • Prepared monthly and weekly financial reports using spreadsheets and databases.
  • Compiled comprehensive reports with data-driven recommendations for senior management.
  • Supported ad hoc financial analysis and reporting to aid decision-making processes.
  • Assisted in tracking key financial metrics to monitor business performance.

Education

MBA - Finance

Management Development Institute
Murshidabad
01.2021 - 1 2023

B.Com - H

School of Open Learning, Delhi University
01.2016 - 1 2019

Skills

Fundamental Credit Analysis

Awards

  • Received a Letter of Recommendation from the Director for achieving 100% placements as Student Placement Coordinator.
  • Recognized for strategic planning, organizational skills, and effective coordination between students and employers.

Skills And Certifications

  • Financial Modeling & Valuation, Udemy, 2021
  • Advanced Excel, Tata Steel, 2020
  • Company Secretary Foundation (Distinction), ICSI, 2016

Timeline

Credit Risk Analyst

Care Ratings Limited
05.2023 - Current

Mortgage Product Team Intern

DCB Bank Ltd.
04.2022 - 05.2022

Finance Intern

Bokeh Photogenic Pvt Ltd
01.2022 - 03.2022

MBA - Finance

Management Development Institute
01.2021 - 1 2023

B.Com - H

School of Open Learning, Delhi University
01.2016 - 1 2019

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Ashish RajCredit Risk Analyst