Summary
Overview
Work History
Education
Skills
Academic Projects & Certifications
Timeline
Generic

Muskan Chellani

Pune, Maharashtra

Summary

Results-driven credit analyst with extensive expertise in credit evaluation and report generation, adept at assessing creditworthiness through comprehensive financial analysis. Demonstrates strong financial modeling and data analysis skills, consistently delivering accurate insights that support strategic decision-making. Known for a detail-oriented approach and a proven track record of producing high-quality credit reports and actionable recommendations. Specializes in risk assessment, financial statement analysis, and effective credit risk management.

Overview

3
3
years of professional experience

Work History

Credit Analyst

CRISIL Ltd.
Pune, Maharashtra
01.2023 - Current
  • Collaborate closely with S&P Global Ratings analysts to monitor and assess credit events, conducting comprehensive credit analysis and drafting detailed credit reports.
  • Engaging with management teams and finance/treasury departments of issuers, collaborating with primary analysts to gather information and analyze financial performance.
  • Preparation of financial models to forecast company performance, including earnings, cash flow, liquidity, and debt capacity, while conducting recovery analysis for hypothetical default scenarios and supporting the rating process through portfolio surveillance.
  • Analyzing key financial parameters such as financial ratios, liquidity, prepayments, defaults, and foreclosures to assess credit risk.
  • Drafting detailed reports to support the rating process, providing comprehensive insights into financial performance and credit risk.
  • Conducting in-depth market analysis, including peer comparisons, industry trends, macroeconomic factors, and regulatory policies, to provide actionable insights for credit ratings.
  • Drafting the publication of rating rationale reports with strong analytical opinions, supporting key findings with data-driven insights.
  • Participating in ratings committees and discussions regarding company transactions, key market events, and credit risk assessment.
  • Building and maintaining strong relationships with global clients, delivering presentations, engaging in analytical discussions, and providing training on credit analysis methodologies.

Recognitions:

CLAP Award - Q3 2023, Bright Spark Award - Q2 2024.

Intern

CRISIL Ltd.
Pune, Maharashtra
04.2022 - 07.2022
  • Presales support work to help marketing team identify new opportunities.
  • Analyze the fielding data and create data tables using SPSS tool.
  • Understand the questionnaire and prepare the deck shell.
  • Populating the data on final deck for client deliverable in PowerPoint and Excel format.

Education

MBA - Finance

N. L. Dalmia Institute of Management Studies
Mumbai, Maharashtra
04-2023

B.Com -

Tolani Institute of Commerce (Kutch University)
Gandhidham, Kutch
04-2020

Skills

  • Credit analysis
  • Financial modeling
  • Financial statement analysis
  • Communication and presentation skills
  • Analytical thinking
  • Problem solving
  • Client relationship management
  • Time management

Academic Projects & Certifications

Live Projects:

  • The Finlatics Financial Markets Experience Program (FMEP) it broadly included two elements – portfolio management on daily basis and Research project on automotive and pharmaceutical sector and two companies of each sector (2 months).
  • Bloomberg – Online Portfolio Management on Bloomberg platform for 2 months.

Academic Projects:

  • Research Project on “MSME - Accounting Practices (Partnership Firms)” – A primary survey was conducted to derive conclusions.
  • Research Project on pharmaceutical sector and it’s four companies. Research aspects included – WACC calculation and analysis, Beta calculation and analysis, Leverage calculation and analysis, Capital structure analysis and some important ratios like EPS, P/E, Debt to equity, etc.
  • Research Project on Maruti Suzuki – it included aspects like financial statement analysis, ratio analysis and comparative analysis.
  • Preparation of cost sheet & break even analysis for Eggsplore Franchise.

Certifications:

  • Bloomberg Market Concepts (Bloomberg)
  • Introduction to corporate finance (CFI)
  • Accounting Fundamentals (CFI)
  • Stock market basics (Zerodha)
  • Technical analysis (Zerodha)

Timeline

Credit Analyst

CRISIL Ltd.
01.2023 - Current

Intern

CRISIL Ltd.
04.2022 - 07.2022

MBA - Finance

N. L. Dalmia Institute of Management Studies

B.Com -

Tolani Institute of Commerce (Kutch University)
Muskan Chellani