Gourang Sharma
Gurugram
Summary
Dynamic Senior Analyst, excelling in credit risk analysis and portfolio management. Proven ability to lead teams and deliver high-quality credit assessments, driving informed decision-making. Strong analytical skills and adept in financial analysis, ensuring compliance with regulatory standards while optimizing client outcomes.
Overview
7
7
years of professional experience
Work History
Senior Analyst-(ARM)
IndusInd Bank
Gurugram
05.2025 - Current
- Reviewed loan applications for compliance with policies and regulations.
- Prepared detailed credit reports for management decision-making processes.
- Portfolio management of mid- and large-sized corporations in the commercial banking segment, having a turnover of more than Rs. 7,500.00 million.
- Conducting in-depth credit risk analysis for high-value loan applications that include financial analysis, banking analysis, identifying strengths and weaknesses of the business model, and preparation of the high quality Credit Assessment Note.
- Familiarity and knowledge of RBI circulars pertaining to asset classification, projects under implementation, large exposure framework, and updates on master circulars issued every year.
- In-depth credit risk analysis for a portfolio of companies in various sectors—engineering, procurement, and construction; packaging; and FMCG, with an exposure of over INR 1.00 billion.
- Assigning an internal rating based on the technical and financial due diligence of the project or company, and preparing a rationale detailing key credit strengths, weaknesses, and recommendations to the relevant Credit Committee.
Credit Manager
Kotak Mahindra Bank Limited
Jaipur
09.2022 - 05.2025
- Conducting in-depth credit risk analysis for high-value loan applications that include financial analysis, banking analysis, identifying strengths and weaknesses of the business model, and preparation of the Credit Assessment Note.
- Familiarity and knowledge of RBI circulars pertaining to asset classification, projects under implementation, large exposure framework, and updates on master circulars issued every year.
- Presented key information to upper management and the executive team for loan recommendations.
- Credit risk analysis and assessment of credit proposals across industries.
- Handling credit exposure from Rs. 20.00 Mn to Rs. 1,500.00 Mn
- Managing a portfolio of 25 commercial clients with a book size of more than Rs. 5,000.00 million.
- Assigning an internal rating based on the technical and financial due diligence of the project or company, and preparing a rationale detailing key credit strengths, weaknesses, and recommendations to the relevant Credit Committee.
Credit Risk Analyst, Grade M1
ICICI Bank Ltd.
Delhi
05.2022 - 09.2022
- Handled large corporate clients (listed entities), reviewed customer financial data to ascertain the level of risk involved in extending credit.
- Analyzed financial data and the balance sheet of the clients to understand the clients' business model and ascertain the risks involved in extending credit.
- Understanding the organization's vision, mission, and policies, and understanding the credit requirements of the business entity, and providing the right set of credit solutions.
- Credit risk analysis and assessment of credit proposals across industries.
- Assigning an internal rating based on the technical and financial due diligence of the project or company, and preparing a rationale detailing key credit strengths, weaknesses, and recommendations to the relevant Credit Committee.
Article Assistant
S.G. SONI & CO.
Bikaner
01.2019 - 01.2022
- Assist in Statutory, concurrent, IS, Internal and For-ex Audit of Banks.
- Conduct Statutory Audit of SBI bank, BOI, Concurrent and For-ex Audit of SBI.
- Conduct Tax audit, and Trust Audit.
- Preparing and filling of income tax return for various clients.
- Handling the tax assessment.
- Conducted audits in coordination with senior team members, verified adherence to audit scope and timelines and performed analytical audit reviews to confirm accuracy.
Education
Chartered Accountant - CA
ICAI
Delhi11.2021
Master of Commerce - ABST
Maharaja Ganga Singh University
Bikaner, Rajasthan08.2021
Bachelor of Commerce -
Maharaja Ganga Singh University
Bikaner, Rajasthan08.2019
Skills
- Team leadership
- MS Office
- Time management
- Strong analytical ability
- Credit risk analysis
- Financial analysis, complex problem solving
- Complex problem solving
- Decision making
- Portfolio management
Accomplishments
- Felicitated by Rajasthan Govt for Exemplary Performance in Academics in 12th standard
- Scholarship in Graduation - 2 Years
- Cricket Player at District and Senior District Level Matches
Languages
- English, Full Professional Proficiency
- Hindi, Full Professional Proficiency
Personal Information
DOB: April 1, 2000
Timeline
Senior Analyst-(ARM)
IndusInd Bank
05.2025 - Current
Credit Manager
Kotak Mahindra Bank Limited
09.2022 - 05.2025
Credit Risk Analyst, Grade M1
ICICI Bank Ltd.
05.2022 - 09.2022
Article Assistant
S.G. SONI & CO.
01.2019 - 01.2022
Chartered Accountant - CA
ICAI
Master of Commerce - ABST
Maharaja Ganga Singh University
Bachelor of Commerce -
Maharaja Ganga Singh University
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