Summary
Overview
Work History
Education
Skills
Certification
Interests
Timeline
Generic
Nikita Bajaj

Nikita Bajaj

Credit Analyst
Jaipur

Summary

Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Team-oriented individual, Looking to bring further success to a company through excellent attention to detail and understanding of regulatory procedures.

Overview

5
5
years of professional experience
3
3
Certifications

Work History

Credit Risk Analyst

Morgan Stanley
04.2022 - 12.2023
  • Part of Firm Risk Management- Credit Risk- ISG CRE Team
  • Responsible for portfolio management (including annual and quarterly reviews as well as governance and compliance) for US, EMEA and APAC stakeholders.
  • Reduced credit risk by implementing comprehensive risk assessment strategies.
  • Performed stress testing scenarios to assess impact of adverse market events, ensuring adequate capital reserves were maintained.
  • Conducted in-depth financial analysis to evaluate corporate borrowers'' creditworthiness.
  • Recognized potential problem statements early, facilitating prompt corrective actions that mitigated losses for the organization.

Credit Analyst

CRISIL-S&P Global
04.2020 - 03.2022
  • Part of Structured Finance- USCMBS Team
  • Part of Underwriting New Issuance loans along with Surveillance of deals done on Annual basis.
  • Assisted in various projects and Automations in the team. Supported S&P analysts in Exceptions reporting and Rating actions tasks.
  • Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
  • Delivered accurate risk ratings by consistently evaluating borrowers'' financial health, competitive positioning, and market dynamics.
  • Provided valuable insights on industry trends and economic indicators, contributing to well-informed lending strategy.

Summer Intern

Bank Of Maharashtra
04.2019 - 06.2019
  • Part of Central Processing Mumbai Zonal office under Commercial and Retail Credit department.
  • Worked in area of Credit Appraisal/Restructuring of MSME Advance for a textile client of the bank.
  • Was deputed to work in FOREX Departments at a branch office to understand the daily nuances.
  • Assisted Credit manager in analysis Restructured loans for clients of different credit levels. Utilized strong analytical skills to evaluate financial data, assisting in development of effective cost-saving measures.
  • Conducted data analysis to identify trends and optimize business strategies, contributing to company growth.

Education

M.B.A - Banking And Finance

Symbiosis International University
Pune, India
03.2020

BBA - Finance And HR

Kachchh University
Gandhidham, India
04.2018

Higher Secondary School - 12th Std

Mount Carmel High School
Gandhidham
04.2015

Skills

  • Portfolio Management

    • undefined

    Certification

    CCRA

    Interests

    Baking

    Sketching

    Timeline

    Credit Risk Analyst

    Morgan Stanley
    04.2022 - 12.2023

    Credit Analyst

    CRISIL-S&P Global
    04.2020 - 03.2022

    Summer Intern

    Bank Of Maharashtra
    04.2019 - 06.2019

    M.B.A - Banking And Finance

    Symbiosis International University

    BBA - Finance And HR

    Kachchh University

    Higher Secondary School - 12th Std

    Mount Carmel High School

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