DEEPALI CHHABRA
Gurugram
Summary
Seasoned Senior Credit Risk Analyst with comprehensive background in credit risk management and mitigation strategies. Delivered improvements in process efficiency and risk forecasting accuracy while managing large portfolios and enhancing risk policies. Contributed to team success through development of effective solutions for risk identification and loss minimization.
Overview
1
1
Certification
4
4
years of post-secondary education
2
2
years of professional experience
Work History
Senior Credit Risk Analyst
NatWest Group
04.2026 - Current
- Directed comprehensive annual credit reviews for a portfolio of 280+ corporate accounts across four Relationship Managers, ensuring rigorous evaluation of borrower viability and risk categorization every 12 months.
- Evaluated complex financial profiles and risk indicators, analyzing EBITDA, Debt Service Coverage (DSC), Cash Flow Available for Debt Service (CFADS), and Probability of Default (PD) model to determine credit risk.
- Authored and sanctioned credit proposals for limit enhancements and new facility setups—spanning overdrafts, term loans, and cards—aligned strictly with financial eligibility and institutional lending standards
- Performed stress tests on proposed loan products to measure their resilience under varying economic conditions.
- Administered post-sanction covenant compliance and security creation, verifying documentation and monitoring collateral to protect institutional exposure.
- Maintained portfolio risk surveillance, tagging vulnerable exposures and transitioning accounts into High-Risk Management (HMM) frameworks.
- Monitored portfolio exposure across retail and commercial lending books.
- Evaluated credit models and challenged key assumptions for consistency.
Deputy Manager Grade 2
ICICI Bank
05.2024 - 03.2026
- Streamlined credit approvals for diverse credit facilities overdrafts and term loans optimising turnaround times while strictly adhering to internal risk policies and regulatory guidelines.
- Evaluated credit metrics including cash flow available for debt service (CFADS), debt service coverage ratios (DSCR), and maximum permissible bank finance (MPBF) to structure financing solutions aligned with client needs.
- Monitored portfolio health and asset quality, identifying early warning signals and implementing controls to mitigate non-performing assets (NPAs) and maintain portfolio stability.
- Ensured compliance with RBI guidelines and internal audit requirements.
Education
MBA/PGDM - Finance
Management Development Institute
Murshidabad 07.2022 - 03.2024
B.B.A - Management
Panjab University
Chandigarh 06.2017 - 03.2020
Skills
- Financial Analysis
- Risk Assessment
- Probability Of Default
- Covenant compliance
- Loan Processing
- Loan Sanction
- Stress testing
- Regulatory compliance
- Financial reporting
- Ratio Analysis
- Report Writing
- Proposal writing
- Dashboards
- Excel
- Analytical Skills
- Risk monitoring
- Non-performing asset management
Personal Information
Credit Risk Analyst
Certification
Financial Statement Analysis Fundamentals, Credit Risk Analyst
Timeline
Senior Credit Risk Analyst
NatWest Group
04.2026 - Current
Deputy Manager Grade 2
ICICI Bank
05.2024 - 03.2026
MBA/PGDM - Finance
Management Development Institute
07.2022 - 03.2024
B.B.A - Management
Panjab University
06.2017 - 03.2020