Ashwarya Bisen

Corporate Finance | Financial Modeling | Credit Risk

Mumbai

Summary

Experienced Risk Analyst with over 2 years in financial due diligence for M&A and PE-sponsored deals, as well as corporate banking. Proficient in conducting in-depth research and analysis to identify growth opportunities and developing actionable recommendations for new transactions. Skilled in creating DCF models for cash flow projections and collaborating with cross- functional teams to implement and monitor the end-to-end deal process. Proven ability to streamline financial processes, communicate strategic insights effectively, and drive continuous improvement across transactions.

Overview

years of professional experience

Work History

Credit Risk Analyst

JP Morgan Chase and Company

4 2022 - Current

Managed a portfolio of 40 Healthcare clients, facilitating the integration of new prospects & delivering quarterly insights for strategic decision-making.
Leveraged strong quantitative analysis to assess financials, focusing on risk identification and capable of extracting valuable insight.
Developed advanced financial models for Leveraged Buyouts (LBOs), spin-offs, and M&A transactions, employing Discounted Cash Flow (DCF) and Comparable Company Analysis methodologies.
Engaged with CXO-level executives during deal discussions and due diligence process.
Presented deal approval memos to senior leadership, articulating key risks, valuation metrics, and financial projections for transaction approval.
Ensured compliance with legal documentation and contractual obligations related to financial transactions.
Created an Excel tool to optimize quarterly monitoring for leveraged finance clients and improved the loan approval process through effective stakeholder communication.
Conducted due diligence during mergers and acquisitions, assessing target companies' credit portfolios for integration compatibility.
Led training sessions for junior analysts, enhancing their expertise in credit risk principles and analysis techniques.
Collaborated with cross-functional teams to streamline deal processes and enhance communication, ensuring efficient execution and alignment throughout the transaction lifecycle.

Summer Intern

Porter

04.2021 - 06.2021

Risk and Analytics Intern
Explored 20+ innovative credit underwriting use cases globally, leveraging alternative data to enhance credit assessment practices and develop an early indicator model for predicting credit defaults.
Developed a Vintage Model to strategically target specific customer segments and build trust among driver-partners, while refining the immediate underwriting model using repayment data insights.
Initiated Group lending practices to optimize loan amounts and mitigate credit risk, reducing default rates.
Applied CIBIL report insights to design and implement customized lending products that better align with driver-partners' financial needs.
Conducted comprehensive primary and secondary research to deeply understand the financial profiles and needs of driver-partners, resulting in more tailored credit solutions.

Application Development Associate

Accenture

07.2019 - 06.2020

Delivered a 10% process optimization for the client by transitioning from manual to automated testing, significantly improving efficiency.
Served as an Automation Tester for Allianz, developing scriptless automation test modules and enhancing testing workflows.
Successfully executed Smoke, Regression, and User Acceptance Testing (UAT) using the Selenium automation tool, ensuring robust and reliable software performance.
Received recognition from the Project Manager for efficiently executing 300 test cases and crafting comprehensive test scenarios, demonstrating strong attention to detail and technical expertise.
Achieved a 20% reduction in the test cycle, leading to a 28% decrease in project working hours, resulting in substantial resource savings.

Education

MBA - General Management

IIM Kozhikode

B.E - Electronic and Communication Engineering

MITS, Gwalior

Skills

Financial statements expertise: Financial Analysis & Interpretation, Trend Analysis

Portfolio Management: Risk Assessment, Performance Monitoring & Evaluation

Credit analysis: Debt Structuring, Compliance Monitoring, Leverage & Ratio Analysis

Financial Forecast: Cash Flow Forecasting, Assumption Development, Sensitivity Analysis

Co-curricular Activities

Organizer NSS, MITS Gwalior
-Organized the Swachh Bharat Abhiyan rally of 500+ Students on 2nd Oct
-Performed the 1000+ plantation exercise in college & achieved the target in just 2 days
Coordinator, Journalism Society, MITS Gwalior
-Managed events from planning to seamless execution of end-end process
Elected Member, Toastmaster Committee, IIM Kozhikode
-Successfully organized weekly Toastmasters meeting for the students

Timeline