Mihir Mahesh
BANGALORE
Summary
Currently a Credit Operations Associate at Stripe Technology India Pvt. Ltd., where I lead the strategic and credit risk department. In addition to managing business-as-usual (BAU) activities, I have driven high-impact initiatives focused on process improvements, training, and project implementation.
Previously, I worked at ANZ Bank in the retail banking division, where I not only managed BAU responsibilities but also led multiple projects to automate rating software and conducted rigorous testing. During my time at Yulu Bikes Pvt. Ltd. as a Finance Intern, I collaborated with Deloitte on audits, developed valuation models, managed financial records, contributed to policy formulation, and analyzed key financials and performance indicators (KPIs).
Additionally, I have experience in portfolio management, having worked with a portfolio management company to analyze stocks and construct investment portfolios for clients. My diverse background in audit, finance, and project management has honed my analytical thinking, deepened my business acumen, and instilled a strong commitment to continuous learning and innovative problem-solving.
Overview
4
4
years of professional experience
Work History
Credit Risk Associate
Stripe India
Bangalore
12.2022 - Current
- Conducted credit underwriting for Stripe accounts with unusual processing patterns or those operating in high-risk industries.
- Developed comprehensive credit reports to identify and prevent potential credit losses.
- Developed and implemented a risk-based audit approach that identified and addressed potential areas of financial and operational risk.
- Created adaptive rating models to enhance underwriting accuracy and addressed process gaps to streamline workflows.
- Trained new hires on credit risk management and best practices.
- Spearheaded the development and execution of a project pipeline, focusing on strategic initiatives and long-term process improvements.
- Monitored credit performance and identified potential areas of risk.
- Training an LLM model to provide more insights into each account to predict our expected losses with more accuracy and build in an ONR trade off.
Credit Risk Analyst
ANZ Bank
Bangalore
01.2021 - 12.2022
- Achieved CAD-A certification in credit analysis.
- Analyzed financial statements to assess and manage credit risk.
- Conducted testing of software tools prior to rollout, ensuring functionality and user-friendliness.
- Proposed automation solutions for the lending process to streamline workflows and improve the end-user experience.
- Evaluated credit risk and loan applications to ensure compliance with established policies and procedures.
Equity Research Analyst
Das Capital
Bangalore
06.2020 - 05.2022
- Monitored and tracked the financial performance of assigned companies, primarily in the IT, FMCG, and Finance sectors.
- Conducted in-depth financial analysis to evaluate the health and future outlook of companies, including quarterly valuations and updates as needed.
- Acted as a key point of contact for investor relations, providing insights and updates to stakeholders regarding portfolio performance and company developments.
- Delivered presentations to stakeholders, offering detailed financial reports and strategic recommendations.
- Managed a portfolio that achieved a compound annual growth rate (CAGR) of 19%, reflecting strong investment performance.
FP&A Intern
Yulu Bikes
Bangalore
04.2021 - 01.2022
- Led the audit process for Yulu Bikes in collaboration with Deloitte, ensuring compliance and accuracy in financial reporting.
- Performed comprehensive financial data analysis and statistical analysis using Excel and Power BI.
- Presented key performance indicators (KPIs) in regular meetings to support the creation of new business strategies.
- Developed a strategic initiative to partner with companies like Zomato and Swiggy to electrify their delivery fleet, expanding Yulu's business opportunities.
- Analyzed company valuations and financial statements to inform strategic decisions.
- Managed monthly financial tasks, including payments, reconciliations, and financial summaries.
- Conducted performance analysis across various departments, creating detailed reports to assess efficiency and productivity.
Education
Bachelors in Commerce - Finance
Bangalore University
Bangalore12-2021
Skills
- Credit analysis
- Financial statement analysis
- Loan Underwriting
- Quantitative Analysis
- Portfolio Management
- Risk Assessment
- Financial Forecasting
- Audit
Timeline
Credit Risk Associate
Stripe India
12.2022 - Current
FP&A Intern
Yulu Bikes
04.2021 - 01.2022
Credit Risk Analyst
ANZ Bank
01.2021 - 12.2022
Equity Research Analyst
Das Capital
06.2020 - 05.2022
Bachelors in Commerce - Finance
Bangalore University
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