ASHUTOSH SHARDA

Consulted clients in BFSI sector on tailored risk solutions, enhancing risk management across India and Middle East.

Developed credit risk scorecards, early warning signals, and financial modeling scenarios.

• Conducted credit model reviews, validating enhancements for improved accuracy.
• Reviewed credit policies and portfolios, automating credit assessment solutions to streamline risk measurement processes.
• Assessed and developed frameworks for market, liquidity, and operational risk management.
• Delivered data analytics offerings, including pricing engines and liquidity management solutions that improved decision-making capabilities.
• Helped with regulatory reports, including RAROC and asset classification under IFRS 9/IND AS 109.
• Supported product development initiatives to enhance user interface for risk assessment outputs.
• Managed cross-functional teams to enhance project execution and operational efficiency.

Directed comprehensive business and financial analysis of annual reports, emphasizing critical metrics like balance sheets, P&L, cash flow, and profitability ratios to inform strategic planning.

• Managed delivery of credit and risk assessment reports for North American and European banks, ensuring timely and accurate insights for decision-making.
• Spearheaded credit sanctioning processes per organizational guidelines.
• Created structured frameworks for banking policies on risk management and credit monitoring, improving compliance and operational efficiency across departments.
• Conducted credit operations, including proposal appraisal, market research, financial statement analysis, and document scrutiny.
• Prepared operational risk deliverables like business unit profiles and incident summaries for stakeholders.
• Facilitated market entry strategies for international clients in the USA, UK, and EU.
• Created new credit report templates for improved clarity and consistency.

• Led team of credit analysts in conducting comprehensive credit risk assessments for borrowers in C&I sector.
• Performed in-depth business financial and liquidity analyses, including peer benchmarking, to inform credit assessments.
• Led discussions with clients to gather insights for comprehensive credit evaluations.
• Assessed past and future performance metrics to inform credit decisions.
• Performed market analysis and SWOT analysis to identify risks and opportunities.
• Presented findings to internal committees and boards of various clients effectively.
• Conducted techno-economic valuations and credit profiling, improving management's ability to evaluate financial health.
• Authored press releases detailing rating rationales for individual companies and sector research.

• Managed credit lifecycle for commercial and industrial (C&I) and micro, small, and medium enterprises (MSME), ensuring compliance and risk mitigation.
• Underwrote credit reports through financial analysis and analytical review of business risks.
• Interpreted data to determine financial performance of business entities, both past and future.
• Oversaw forex transactions and general banking operations, streamlining processes for personal segment loans.
• Managed branch operations for six months and maintained efficiency.