Summary
Overview
Work History
Education
Skills
Timeline
Generic

Eshita Jain

Hyderabad

Summary

Dynamic Portfolio Manager with experience of 6 years excelling in financial modeling and credit risk assessment. Proven track record in enhancing credit quality and driving portfolio growth. Adept at utilizing advanced analytical tools like SQL and Tableau.

Overview

6
6
years of professional experience

Work History

Credit Analyst

Solenis GSS India Private Limited
10.2024 - Current
  • Analyzing Financial Statements of Chemical Industry Clients all over the world by preparing Ratio Analysis, & giving them credit
  • Evaluating annual budget and long-term financial forecasts, developing financial models, monitoring and analyzing financial performance and key performance indicators (KPIs), and Project revenue & cost structure analysis.
  • Underwriting detailed reports by assessing the financials and risk, and uploading the same in the internal system.

Business Credit Analyst

RBL Bank Ltd
08.2023 - 04.2024
  • Hands-on financial and business analysis experience in various sectors such as pharma, agrochemical, engineering, steel, and iron packaging etc.
  • The process includes analyzing business requirements, deal structuring, financial analysis, including cash flow, sensitivity, and ratio analysis, proposal writing, and presenting the case to the approval committee
  • Monitoring the portfolio's credit quality for risk recognition and assigning a proper risk rating.

Credit Analyst

ICICI Bank Ltd
03.2021 - 07.2023
  • Analyzing Financial Statements of Clients by preparing Ratio Analysis and cash flow statement for Corporate Loan proposals with companies having turnover ranging from Rs 50 cr to Rs 1000cr
  • Revenue Analysis, Monitor budget performance and provide actionable insights wherever inconsistencies observed
  • Analyzing various cost trends, flagging unfavorable variances, and reviewing strict budgetary control over major expense items.
  • Assessing the feasibility of the proposed transaction/ proposed facilities ,from a risk point of view, covering business model, industry risk, structure, and financial risk.

Credit Analyst

HDFC Bank Ltd
06.2019 - 02.2021
  • Credit Appraisal, understanding of client business, and financials and preparing quality appraisal notes in collaboration with the Risk Management team.
  • Reviewing financials along with forecasts in compliance with Indian GAAP and applicable statutory regulations.
  • Ensuring accuracy of financial projections, conducting financial research and analysis to identify the changes in cost structures, revenue growth, and scenario analysis to assess potential outcomes and risk.
  • Portfolio management: Managing a portfolio of Rs 250 cr of corporate clients and achieving business targets, acquiring and onboarding new clients.

Education

Finance -

Symbiosis Institute of Business Management
05.2019

Computer Science -

Bhilai Institute of Technology
07.2017

Skills

  • Financial and Risk Analysis
  • Report Writing
  • Financial Modelling
  • Cashflow Analysis
  • Advanced Microsoft Suite
  • Python/ SQL
  • Power Bi/Tableau
  • Portfolio Management

Timeline

Credit Analyst

Solenis GSS India Private Limited
10.2024 - Current

Business Credit Analyst

RBL Bank Ltd
08.2023 - 04.2024

Credit Analyst

ICICI Bank Ltd
03.2021 - 07.2023

Credit Analyst

HDFC Bank Ltd
06.2019 - 02.2021

Finance -

Symbiosis Institute of Business Management

Computer Science -

Bhilai Institute of Technology

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