Ayaskanta Paikray
Bhubaneswar
Summary
Result driven credit analyst with in depth knowledge of analyzing financial reports, credit agency reports, risk assessment and recommending mitigation. Professional experience of 13 years with proven ability in team management, project improvement & stabilization.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Sr Credit Analyst
Tata Consultancy Services Ltd
04.2021 - Current
- Preparation of detailed credit analysis report and providing credit rating after reviewing all parameters
- Evaluating financial data to access credit worthiness of borrowers
- Going through reports provided by credit rating agencies like D&B, S&P, CompanyWatch, Experian, CreditSafe to understand strength of existing and prospect customers
- Risk analysis by reviewing market sentiment of entity or industry
- Negotiating credit terms, conditions and collateral as per requirement
- Collaborating with other financial experts or onshore on credit scenarios
- Recommending acceptance, rejection or modification of credit request
- Development and implementation of credit policies and procedure to ensure compliance as per company guidelines
- Managing portfolio of 500+ client and periodic review of existing customers
- Training of new team mate on credit review procedure and managing day to day task of team
- Stats and project progress communication with management and client
Subject Matter Expert
Tata Consultancy Services Ltd, TCS
07.2017 - 03.2021
- Preparing financial template for team to follow and check outcome of data captured
- Generating and analyzing production quality data of team and tracking the SLA in JIRA
- Periodic interaction with client and team to communicate recent updates and quality stats
- Resolving outliers in database and running API tool
- Preparing process improvement checklist and steps to increase quality of product
- Initiating QC calibration & taking initiative to improve quality and achieve SOW target
- Preparing SOP, CTQ for process
- Reviewing FMEA, SIPOC and other internal compliance of process
- Analyzing defect log and doing RCA
Business Process Lead
Tata Consultancy Services Ltd, TCS
10.2015 - 06.2017
- Assisting a team of 18 analysts in their day to day work activities and addressing their queries
- Generating and analyzing production, quality data of the team and tracking the SLA
- Handling operational queries and efficiency of the team
- Implementing SOP and new update in process.
- Motivating team with R&R activities to meet weekly target
- Weekly call and Client interaction to inform project progress and process improvement
- Maintaining and providing all necessary reports to management as required
- Preparing Defect log, Pareto Analysis, 5Y and Fish bone report for the team
- Inter-GDC support for project stabilization.
Quality Control Analyst
CMC Ltd, Enterprise
05.2013 - 09.2015
- Providing training to team members related to tools and its functioning
- Making team understand US GAAP, IFRS reporting
- Ensuring adherence to SOP and updating new policy & procedure to be followed by team members
- Auditing financial data quality that flows to Client facing screen
- Authenticating Financial Ratios related to listed companies all over world
- Calculating Normalized Net Profit of companies for better comparison
- Attending Weekly calls with client and sharing new update and policies with team
- Pilot project stabilization
- Testing tools to ensure accurate data flows to product.
Associate Content Analyst
Thomson Reuters India Pvt. Ltd
05.2011 - 05.2013
- Analyzing annual and quarterly reports like 10-K, 10-Q, 8-K documents filed by the listed Companies and providing intelligent information to clients
- Income Statement analysis, Balance sheet reconciliation
- Understanding cash flow from operations, FCF, Cash flow from investing & Financing activities
- Providing major financial data such as EPS, outstanding shares, stock split, book value, merger & acquisitions etc
- Providing Segment & Geographical information and key performance indicator of companies
- Supporting Siebel forum by handling client requests & queries
- Providing all necessary information to investors, thereby enabling them to make a better investment decision
Education
MBA - Accounting And Finance
Asian School of Business Management
Bhubaneswar,odisha04.2010
BBA - Business Administration And Management
Utkal University
Bhubaneswar,Odisha06.2008
No Degree - Science
Maharishi College of Natural Law
Bhubaneswar,Odisha03.2004
No Degree - English,Maths,Science,Oriya
VSS Nagar High School
Bhubaneswar03.2002
Skills
Advanced MS Excel
Financial data analysis
Problem solving
Risk management
SQL
Business Intelligence tool(Power BI)
Accomplishments
- Visited TCS, Hungary for inter-GDC project support and training.
- Achieved Contextual Master badge for process improvement.
- Received Green belt in Lean Six Sigma for Process simplification.
- Awarded as Topaz Go Getter, Star Performer for excellent performance.
- Gold medalist (State Bank of Hyderabad) in PGDM.
Certification
Prince2 Practioner
Timeline
Sr Credit Analyst
Tata Consultancy Services Ltd
04.2021 - Current
Subject Matter Expert
Tata Consultancy Services Ltd, TCS
07.2017 - 03.2021
Business Process Lead
Tata Consultancy Services Ltd, TCS
10.2015 - 06.2017
Quality Control Analyst
CMC Ltd, Enterprise
05.2013 - 09.2015
Associate Content Analyst
Thomson Reuters India Pvt. Ltd
05.2011 - 05.2013
MBA - Accounting And Finance
Asian School of Business Management
BBA - Business Administration And Management
Utkal University
No Degree - Science
Maharishi College of Natural Law
No Degree - English,Maths,Science,Oriya
VSS Nagar High School
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