Kunal Mehta
Team Leader, Commercial Real Estate And Mid-Large Corporate Portfolio Credit Analysis
Gurgaon
Summary
Credit Risk professional with 14+ years of experience in credit delivery, underwriting, and portfolio quality assurance across Commercial Real Estate (CRE), SME, and Mid-Large Corporate portfolios. Currently working as Assistant Vice President at NatWest Group, providing independent assurance on credit portfolios and risk frameworks. Proven expertise in financial analysis, CRE underwriting, covenant analysis, PD/LGD assessment, and credit risk governance. Experienced in leading teams, improving credit processes, and delivering high-quality credit analysis to senior stakeholders. Strong analytical background with advanced Excel modelling and currently developing Python and SQL skills for risk analytics and automation.
Overview
15
15
years of professional experience
2
2
Certifications
Work History
Assistant Vice President – Credit Risk Analyst
NatWest Group
01.2022 - Current
- Provide independent assurance on Commercial Real Estate, SME, and Mid-Large Corporate portfolios, evaluating credit quality and adherence to bank risk policies for Annual Reviews, Refinance Paper & Increase Lending applications.
- Identify portfolio risk trends, policy deviations, and potential credit weaknesses, recommending mitigants at both borrower and portfolio levels.
- Prepare assurance reports for senior management, highlighting key risk observations and control improvements.
- Evaluate PD/LGD ratings, covenant protections, collateral coverage, and credit structuring to ensure appropriate risk assessment.
- Collaborate with First Line, Second Line, and Internal Audit teams to enhance credit governance and portfolio monitoring.
- Lead a team of 11 analysts, overseeing workflow allocation, quality review of credit analysis, and team development.
- Leadership Impact
- Improved review quality and analytical consistency across the team through structured feedback and mentoring.
- Streamlined credit review processes and templates, improving turnaround time and analysis quality.
Assistant Manager
WNS Global Services
01.2016 - 01.2017
- Led a 7-member credit underwriting team supporting Commercial Real Estate credit reviews and SME lending portfolios.
- Also responsible for conducting trainings and quality checks, preparing and updating SOPs, Single point of Contact for client queries and discussions for CRE.
- Performed credit analysis including financial statement analysis, covenant compliance, PD/LGD evaluation, and collateral assessment.
Deputy Senior Associate
Copal Amba (Moody’s Subsidiary)
01.2014 - 01.2016
- Prepared detailed credit reports for U.S. regional banks using Moody’s Riskanalyst platform.
- Conducted financial spreading and credit analysis of Mid-Large Corporate financial statements.
- Assessed capital structure, leverage profile, and debt service capacity of borrowers.
Analyst
01.2011 - 01.2014
- Performed quantitative and qualitative credit analysis for U.S. regional banks.
- Analysed liquidity, leverage, and profitability trends in borrower financial statements.
- Produced credit risk reports used for lending decisions.
- Supported training and workflow management for junior analysts.
- Achievements
- Shining Star Award
- Top Performer Recognition
- Team of the Month
Education
MBA - Finance
Ansal Institute of Technology
01-2011
Bachelor of Commerce - B. Com
01-2009
Skills
Credit Risk Analysis & Credit Underwriting
Commercial Real Estate (CRE) and Mid-large Corporate Lending
Credit Portfolio Quality Assurance
Financial Statement Analysis & Financial Spreading
PD/LGD Risk Rating & Credit Modelling
Collateral & Covenant Analysis
Annual Reviews, Refinance & Increase Lending
Accomplishments
Ovation Awards (Bronze & Silver) – NatWest Group
Critical People Capabilities Award – 2021
Secondment to Scotland Credit Delivery Team – 2019
Shining Star & Top Performer Awards – WNS
Certification
Certified Chartered Banker – Diploma in Lending Skills – Chartered Banker Institute (UK)
Interests
Table Tennis Champion – RBS (2018), Badminton Player, Yoga & Meditation Practitioner
Currently Learning
- Python for Risk Analytics
- SQL for Data Analysis
Timeline
Assistant Vice President – Credit Risk Analyst
NatWest Group
01.2022 - Current
Assistant Manager
WNS Global Services
01.2016 - 01.2017
Deputy Senior Associate
Copal Amba (Moody’s Subsidiary)
01.2014 - 01.2016
Analyst
01.2011 - 01.2014
Bachelor of Commerce - B. Com
MBA - Finance
Ansal Institute of Technology