Bratati Karmakar
Summary
Accomplished Senior Analyst (MBA) with a proven track record at BluCognition,Goldman Sachs etc in enhancing financial models and credit underwriting processes.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Analyst (Credit Underwriting for Stripe)
BluCognition
Pune
08.2022 - 07.2024
- Conducted commercial credit underwriting, financial risk modeling, and cash flow forecasting using internal and external tools
- Performed financial risk analysis using Moody's Credit Lens and Credit Edge, including spreading financial statements and conducting financial ratio analysis for companies across various industries and geographies
- Developed risk measurement models for small, medium, and large listed and unlisted corporations
- Analyzed trends in disputes, refunds, processing, average order value, and cash flow of merchants
- Evaluated credit risk, identified risks in complex business models, and enforced appropriate loss mitigation actions
- Transformed business and financial data into cohesive narratives outlining potential credit risks and created credit underwriting reports with assigned risk ratings
Senior Analyst (Global Markets)
Goldman Sachs
Bangalore
10.2018 - 05.2022
- Assessed market and credit risk positions across different asset classes.
Developed and implemented strategies to minimize potential losses from positions that could result in significant financial exposure.
Worked with internal teams to devise risk-adjustment methods.
Tracked specific trades and transactions, and assessed their potential for loss.
Addressed the disputes or concerns that arise from loss mitigation, or collateral management. Ensured that all risk mitigation practices align with both internal policies and regulatory requirements. - Prepare and maintain detailed records of loss mitigation activities, strategies, and outcomes. Provide regular reports to senior management regarding loss exposures and risk mitigations.
Credit and Income Analyst
Altisource
Mumbai
08.2016 - 10.2018
- Mortgage loan underwriting for conventional, FHA, VA, USDA, and 203k loans, including income and credit analysis, asset evaluation, appraisal, title, and collateral documentation review
Financial Analyst
XL Dynamics
Mumbai
02.2015 - 05.2016
- Underwriting mortgage loans for Conventional, FHA, VA, USDA, and 203k programs, including income and credit analysis, asset evaluation, appraisal, title examination, and collateral documentation review
Education
MBA - Finance
Indira Institute of Management
Pune07.2015
BSc - Physics
Government Autonomous college
Rourkela07.2012
Skills
- Credit underwriting
- Financial and Ratio Analysis
- Commercial underwriting
- Real estate loan underwriting
- Cash Flow Analysis
- Advanced Excel
- Industry analysis,Competitive analysis
- Client management
- Aqua Data Studio/SQL
Certification
- Credit Risk Analysis Certification Program, SKILLFIN LEARNING, 2022
- Financial Modelling Training Program, IMS Pro school, 2014
- Career & Leadership development Program, Stratecent Consulting, 2014
Accomplishments
- Streamlined the credit analysis process, reducing the time required for loan evaluations by 30% with 100% quality, which significantly increased the team's efficiency.
- Provided training to junior analysts on credit risk assessment techniques, significantly improving team competency and performance.
- Developed innovative financial solutions for complex credit situations of high risk merchants, resulting in successful deliverables and client satisfaction.
Languages
- English
- Hindi
- Bengali
- Oriya
Timeline
Senior Analyst (Credit Underwriting for Stripe)
BluCognition
08.2022 - 07.2024
Senior Analyst (Global Markets)
Goldman Sachs
10.2018 - 05.2022
Credit and Income Analyst
Altisource
08.2016 - 10.2018
Financial Analyst
XL Dynamics
02.2015 - 05.2016
MBA - Finance
Indira Institute of Management
BSc - Physics
Government Autonomous college
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