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Karishma Trehan
Business Finance Analyst
Delhi
Summary
PROFILE SUMMARY Innovative and goal oriented professional with more than 7 years of experience in Capital Market, Investment Banking, Retail Banking, Credit Analysis and Ratings. Have good knowledge of equity and fixed income securities. Good experience in API mapping and integration, SQL, MS office suits, Visio, Data visualization tools such as Power BI, Tableau etc. Possess strong communication & interpersonal skills.
Keen interest in Credit Analysis, Business Analysis and Financial Modelling. Also, have good experience in Payments and Banking domain Agile/Scrum knowledge and experience in working within an Agile project management framework.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
Work History
Management Trainee
- Responsibilities
- Tracking of stock fundamental indicators & Economic indicators
- Tracking of global news and other happening events & economic data
- Preparation of write-ups and reports on various stocks listed in Bombay Stock Exchange and National Stock Exchange
- In-depth understanding of Technical, Fundamental & Derivative analysis
Business Analyst
Shivalik Small Finance Bank
09.2022 - Current
- Credit (Banking Domain including payments)
- Roles and Responsibilities
- Prepare various documents including the Functional requirement (FRD), Business requirement (BRD), Use cases specification, and testing documents
- Provide training to users post deployment in production environment and assist in the development of test scenarios, test cases, and User Acceptance Testing (UAT)
- Working with IT to ensure Business requirements are accurately translated into functional requirements
- Provide training and support to end users on new and updated banking application and software, participate in user acceptance testing activities for business users including assisting in the design of test plan, preparing test scripts, validating test completion and signoff
- Co-ordinate with the third-party vendor for any development or updating features in mobile banking application for retail and corporate customers
- Prepare process flow or user flow to give an overview of business requirement and development process.
Business Analyst
Credit Suisse
Pune
12.2021 - 09.2022
- Credit (Banking domain)
- Roles and Responsibilities
- Working for capital market domain
- Design and review of various documents including the Functional requirement (FRD), Business requirement (BRD), Use cases specification, and testing documents
- Taking ownership for ensuring effective communication and engagement of key partners in any change activity
- Assisted in development of test scenarios, test cases, and User Acceptance Testing (UAT)
- Working with IT to ensure Business requirements are accurately translated into functional requirements
- Coordinate user acceptance testing for business users including assisting in the design of test plan, preparing test scripts, validating test completion and signoff
Senior Credit Analyst
RBS
10.2019 - 07.2020
- Roles and Responsibilities
- Process incoming credit requests, checks completion of package received from RM and ensures timely completion of credit underwriting
- Conduct an objective and thorough credit analysis of the financial condition and creditworthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, biographical data, market information, credit reports and other financial data
- Work with RM's in the market on new client on-boarding, underwriting, credit reviews, and annual renewals of existing credit facilities
- Working on assigning the risk rating of PD (Probability of default) and LGD (Loss given default) to the Borrower
- Co-ordinate with internal credit and business teams for necessary information on clients
- Work with Independent Risk and Early Warning teams to timely identify and escalate
Associate (Credit Analyst)
MOODY’S ANALYTICS
07.2017 - 07.2019
- Roles and Responsibilities
- Supporting the Debt and Equity Capital Team of a leading bank in preparing Pitch Books, Capital
- Structure Analysis, Debt Profiles, Credit Memos, Financial Modelling and Credit Rating
- Working on Daily and Weekly Debt and Equity Capital Market updates and newsletters comprising general commentary on markets cover all sectors, secondary trading levels, yields and recent issuances
- Supporting the client on various issuer/target related analysis including Industry/Market Analysis, Company
- Profiles, Credit Highlights, Liquidity Analysis, P&L Analysis, Cash Flow Analysis, Balance Sheet Analysis
- Database Management, Credit Ratings Assessment, Credit review, Credit research and Competitive
- Benchmarking
- Extract data from Bloomberg, IFR, Dealogic, Reuters for secondary research
- Conducting Quality control check of the outgoing reports/packs
Executive (Rating Analyst)
CRISIL
02.2015 - 05.2017
- Roles and Responsibilities
- Recommend rating/evaluation, based on detailed analysis
- Achieve monthly targets of preparing reports and maintaining the quality and analytical inputs in the report
- Undertake financial statement analysis, which includes analysis of P&L, balance sheet, and key ratios
- Interact with clients to understand their business model and projection
- Independently handling rating assignments for entities of varying sizes and preparing reports and rationale for the assigned ratings
- Prepare credit rating/evaluation reports, based on management discussion, financial and business risk analysis
Education
MBA - International Business & Finance
Balaji Institute of International Business
Pune 05.2013 - 05.2015
BBA - Marketing Management And Research
Rajasthan University
Jaipur 05.2010 - 05.2013
Skills
Data analysis
undefinedInterests
Solving puzzles
Writing Blogs
NISM
NISM Series VIII Equity Derivatives Certification
Timeline
Business Analyst
Shivalik Small Finance Bank
09.2022 - Current
Business Analyst
Credit Suisse
12.2021 - 09.2022
Senior Credit Analyst
RBS
10.2019 - 07.2020
Associate (Credit Analyst)
MOODY’S ANALYTICS
07.2017 - 07.2019
Executive (Rating Analyst)
CRISIL
02.2015 - 05.2017
MBA - International Business & Finance
Balaji Institute of International Business
05.2013 - 05.2015
BBA - Marketing Management And Research
Rajasthan University
05.2010 - 05.2013
Management Trainee
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