Himanshu Khare
Senior Analyst
Gurugram
Summary
Seasoned Senior Analyst with over a 7 -year background in credit analysis and appraisal of mid to large corporate companies across various sectors. Proficient in handling complicated cases while maintaining the quality standards and a professional with exceptional client management skills which will aid to the growth of the organization while achieving personal goals as well.
Overview
11
11
years of professional experience
6
6
years of post-secondary education
Work History
Senior Analyst
ICRA Limited
10.2024 - Current
- Detailed credit analysis of large corporate clients in the power sector having an average debt size of more than Rs 400 crores.
- Prepare detailed credit rating notes incorporating business, financial, and management risk analysis and financial projections.
- Detailed analysis of key credit issues in the proposal
- Cash flow-based analysis of the project companies and undertaking rigorous analysis of the business.
- Effective client management while maintaining report quality and reducing turn around time of the proposals.
- Ensure compliance with respect to various SEBI and RBI related timelines
- Presenting Credit views and rating recommendations to ICRA`s internal rating committee.
- Preparation and publishing of rating rationale in the public domain.
- Ongoing surveillance of the portfolio post assignment of rating.
Senior Manager
HDFC Bank
08.2023 - 10.2024
- Handled a portfolio of large corporate clients in the infrastructure sector with an average debt size of Rs 400 crores.
- Independent assessment on the credit quality of borrower to indicate the level of risk associated with the borrower
- Assigning ratings independently through comprehensive and independent analysis of companies' performance by assessing financial statements, projections and detailed business, management and industry risk analysis.
- Analysis of business model, identifying strengths, weaknesses, risks, corporate structure and understanding the risk mitigation measures adopted by the company
- Continuous surveillance of the companies in the portfolio and taking corrective actions basis any new developments in the company/industry.
- Doing industry research on the sector
Senior Rating Analyst- MCG Ratings
CRISIL
09.2021 - 08.2023
- Detailed credit analysis of mid corporate clients.
- Prepare detailed rating notes incorporating business, financial, and management risk analysis and financial projections.
- Responsible for end-to-end rating assignment of MCG clients, from data collection to final publication of credit reports across diverse industries.
- Doing financial projections for the mid corporates and undertaking thorough risk analysis of the business and industry.
- Ensure compliance with respect to various timelines with respect to SEBI and RBI guidelines.
- Presenting Credit views and rating recommendations to CRISIL`s internal rating committee.
- Handled clients from various industries such as Construction, textiles, chemicals, pharma, etc.
- Surveillance of the portfolio on an ongoing basis and taking corrective actions.
Deputy Manager (Small Enterprise Banking)
Yes Bank
10.2019 - 10.2021
- Detailed credit analysis of SME clients, including business analysis, financial analysis, due diligence, financial modeling, and ratio analysis.
- Typical product offerings include Term loans, fund-based and non-fund-based working capital, and trade products.
- Preparation of the In Principal Approval note, Credit assessment memorandum with clear contents, logics, facts, risks and mitigants of the same.
- Dealing with the Risk Management department and resolving the queries raised by them.
Deputy Manager- Trade Finance
ICICI Bank
09.2018 - 10.2019
- Managing a portfolio of trade finance customers with a portfolio size of 20 crores.
- Revenue generation through existing set of trade finance customers through various modes like remittance settlements, Bank Guarantee and LC and various other trade backed working capital.
- Ensuring compliance with internal and external guidelines on trade finance.
Deputy Manager
HDFC Bank Limited
04.2015 - 09.2016
- Portfolio management and single point of contact for HNI clients of the bank.
- Handled a portfolio of base size of 20 crores and ensured that the product penetration was 5 products per customer within the portfolio.
- Increasing the base size of the portfolio allotted.
- Providing investment advisory services to clients and ensuring that the right investment solution is provided to each customer, thereby achieving income targets at the portfolio level as well.
BAG Films & Media Ltd
06.2014 - 08.2014
- Worked in the Finance & Accounts department of the company.
- Preparation of the CMA Data.
- Financial accounting.
- Credit control and revenue reconciliation.
Dainik Bhaskar Ltd
04.2014 - 05.2014
- Worked in the financial accounting department.
- Preparation of Bank Reconciliation statement.
- Credit Monitoring arrangement.
- Preparation of various reports concerned with credit control like creditors and debtors aging and other daily reports like D1, D2.
Education
PGDM - Finance
ITM Business School
01.2013 - 01.2015
B.com. - Economics
BSSS College
01.2010 - 01.2013
School - Commerce
Scholars Home Public School
Bhopal 04.2009 - 01.2010
High School Diploma -
Scholars Home Public School
Bhopal, India 04.2007 - 01.2008
Skills
- Credit risk assessment
- Financial modeling
- Client relationship management
- Report preparation
- Analytical thinking
- Attention to detail
- Regulatory compliance
- Risk analysis
- Financial statements expertise
- Critical thinking
- Research and analysis
- Portfolio management
Extracurricular Activities & Achievements
Have earned various awards for best rating recommendation multiple times in CRISIL Ratings Won the clap award for my performance in CRISIL Star Performer in the competition Udaan, organized by ICICI Bank Championed at PAN India level in PL 10 seconds loan in HDFC Bank Represented college in National Entrepreneurship Competition
Interests
Music lover
Exploring new places, adventure, Travelling, and Food
Sports: Cricket, Football
Singing and playing guitar
Disclaimer
The above statements are true to the best of my knowledge and belief.
Timeline
Senior Analyst
ICRA Limited
10.2024 - Current
Senior Manager
HDFC Bank
08.2023 - 10.2024
Senior Rating Analyst- MCG Ratings
CRISIL
09.2021 - 08.2023
Deputy Manager (Small Enterprise Banking)
Yes Bank
10.2019 - 10.2021
Deputy Manager- Trade Finance
ICICI Bank
09.2018 - 10.2019
Deputy Manager
HDFC Bank Limited
04.2015 - 09.2016
BAG Films & Media Ltd
06.2014 - 08.2014
Dainik Bhaskar Ltd
04.2014 - 05.2014
PGDM - Finance
ITM Business School
01.2013 - 01.2015
B.com. - Economics
BSSS College
01.2010 - 01.2013
School - Commerce
Scholars Home Public School
04.2009 - 01.2010
High School Diploma -
Scholars Home Public School
04.2007 - 01.2008
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