Ayushi Bhargava
Experienced Credit Risk & Insurance Analyst
Bengaluru
Summary
- Credit Analyst with10 years of experience in credit looking to explore new learning and challenges, leveraging current skills.
- Extensive experience in lending, underwriting, financial analysis, and credit risk management.
- Action oriented professional with proven track record of consistently meeting objectives, expectations, and deadlines. Consistently obtained high performance.
- Proven capability to provide strong leadership.
KEY STRENGTHS:
- Exceptional ability to research and analyse information.
- Excellent oral and written communication skills.
- Possesses excellent quantitative and qualitative problem-solving skills.
- Stakeholders management.
- Hard working, reliable and honest towards discharging duties entrusted with.
- Interested and always willing to take up challenges and learn new things.
- Well versed with Excel Financial Modelling.
Overview
10
10
years of professional experience
6
6
years of post-secondary education
1
1
Language
Work History
AVP, Credit Advisory
HSBC
1 2023 - Current
- Monitoring existing credit facilities, ensuring compliance with approval conditions, documented covenants and financial reporting requirements.
- Excellent hands on Avaloq Swiss Credit system. Use of Avaloq on daily basis to monitor credit portfolio, mortgage renewal, PD/LGD overrides.
- Collaborating with Credit Advisory on publishing Exceptional Lending Reporting and Monthly Shortfall database on monthly basis.
- Handle enquiries, provide support to business (Credit Advisory) and provide suitable solutions to ensure performance of credit facilities.
- Provide good support at all times to both Credit Advisory and other internal clients.
- Proactively identify gaps and report any irregularity to relevant stakeholder.
- Adherence to all regulatory and HSBC Group controls in line with published guidelines.
- Demonstrated expected core behaviors and values including leadership, ownership, teamwork, focus, drive and determination.
- Completed Private Banker Lending Course - International Edition by Moody's Analytics.
Credit Risk and Insurance Manager
ETC Management Services India Pvt. Ltd.
05.2019 - 01.2023
- Performing credit limit appraisal across all verticals.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Credit Insurance policies - Involved in Policy Management, Policy Placement and renewal of policies. Explore market for suitable policies for additional cover.
- Made recommendations about extending lines of credit.
Credit Analyst
JP Morgan Services Pvt. Ltd.
08.2018 - 05.2019
- Sector Covered: Mid US Banks.
- Analyzing credit data and financial statement using audited financial reports and SNL database to determine degree of risk involved in extending credit to Financial Institutions client.
- Mentoring junior credit analysts, providing training on credit/financial analysis.
Senior Credit Analyst
HSBC
10.2015 - 08.2018
- Major Sector Covered: Large/Mid US and Asian Banks, Government and its agencies, NBFI and Broker/Dealer.
- Mentoring junior credit analysts, providing training on credit/financial analysis.
- Analyzing financial data of Financial Institutions clients.
- Determining internal ratings (Customer Risk Rating) using Moody's risk rating system, Facility Grade (FG) for each product, LGD (Loss Given Default) and peer group analysis.
- Interacting with RMs, Credit Managers and other stakeholders.
Credit Analyst
DCB Bank Ltd.
04.2014 - 09.2015
- Sector Covered: Large and Mid-Corporates
- Preparing credit proposals of corporates to analyze various risk involved and suggesting mitigates.
- Site visits of clients with RMs to understand business model of clients at ground level.
- Gathering market intelligence on prospective clients.
- Internal rating of company.
- Financial analysis of corporates.
- Compliance and policy check.
Education
MBA - Finance
Christ University, Christ University Institute of Management
04.2012 - 03.2014
B.Tech - Computer Science
West Bengal University of Technology
08.2008 - 06.2012
Skills
Credit Riskundefined
Timeline
Credit Risk and Insurance Manager
ETC Management Services India Pvt. Ltd.
05.2019 - 01.2023
Credit Analyst
JP Morgan Services Pvt. Ltd.
08.2018 - 05.2019
Senior Credit Analyst
HSBC
10.2015 - 08.2018
Credit Analyst
DCB Bank Ltd.
04.2014 - 09.2015
MBA - Finance
Christ University, Christ University Institute of Management
04.2012 - 03.2014
B.Tech - Computer Science
West Bengal University of Technology
08.2008 - 06.2012
AVP, Credit Advisory
HSBC
1 2023 - Current
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