Baking
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
Mumbai, India
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
Pune
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
Mumbai, India
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, India03.2020
BBA - Finance And HR
Kachchh University
Gandhidham, India04.2018
Higher Secondary School - 12th Std
Mount Carmel High School
Gandhidham04.2015
Skills
-Rewarded for 'Doing the Right Thing' in 2Q23 at MS
Certification
CCRA
Interests
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