KAVIN SANGOI
Malad West
Summary
Highly analytical credit analyst with experience in assessing creditworthiness, underwriting loan applications, and managing loan portfolios. Proven ability to analyze financial data, identify risks, and make sound credit recommendations. Strong communication and collaboration skills to work effectively with clients, relationship managers, and internal stakeholders.
Overview
6
6
years of professional experience
Work History
Manager
JM Financial Ltd.
Prabhadevi, Mumbai
08.2022 - Current
- Evaluate lending proposals for clients in the Financial Institutions sector, such as NBFCs, Fintechs, and MFIs.
- Leveraging the CAMELs framework, conducted in-depth credit analysis for the credit committee. This analysis incorporated a comprehensive review of financials, debt structure, promoter background, industry trends, and other relevant factors
- Collaborate with Relationship Managers and product partners to structure tailored credit solutions for clients including name clearances approvals.
- Ensured compliance with internal and regulatory credit policies and prepared necessary documentation.
- Monitor portfolio health regularly through timely credit monitoring, quarterly financial analysis, and stress testing.
- Conduct field visits to assess operational processes, internal controls, and management quality.
- Develop underwriting checklists, tools, and frameworks for proactive risk management.
- Coordinate with Relationship Team and Operations Department to address Risk & Credit Committee queries and concerns.
- Recommend policy/process changes based on local nuances and competitor feedback.
- Finalize term sheets in collaboration with clients, ensuring alignment with underwriting standards and risk management guidelines.
Senior Credit Analyst
CRISIL Ltd.
Powai, Mumbai
08.2018 - 08.2022
- Preparing S&P Global credit research reports and publications, monitoring and tracking the performance of a portfolio of credits/transactions, and responding to credit events.
- Analysis of Key Credit Factors of the Corporates, from a Credit Risk Perspective.
- Develop an understanding of industry drivers, macro-economic factors, regulatory trends and operational performance.
- Tracking and analyzing relevant financial ratios, liquidity and overall financial performance and governance.
- Work on financial models : historical and projections, debt capital structure analysis, covenants analysis and recovery analysis.
- Demonstrate an understanding of rating principle and methodology and a working knowledge of S&P rating criteria; Work on peer comparison, ESG frameworks, stress testing, sector presentation and portfolio reviews.
Education
Bachelor's - Bachelor of Commerce
Mumbai University
06.2016
Post Graduate Certification in Financial Analysis -
Indian Institute of Management, Calcutta
CFA Level 3 Candidate
Skills
- Proficient in financial analysis & modelling, credit risk assessment, and portfolio management
- Proficient in research report writing, providing valuable insights for decision-making processes
- Ability to work effectively with diverse stakeholders
- Proficient in Microsoft Office Suite (Word, Excel, PowerPoint) and Power BI
Timeline
Manager
JM Financial Ltd.
08.2022 - Current
Senior Credit Analyst
CRISIL Ltd.
08.2018 - 08.2022
Bachelor's - Bachelor of Commerce
Mumbai University
Post Graduate Certification in Financial Analysis -
Indian Institute of Management, Calcutta
CFA Level 3 Candidate
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