Summary
Overview
Work History
Education
Skills
Awards
Personal Information
Timeline
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Nipun Mehta

Nipun Mehta

Gurugram

Summary

Disciplined and insightful financial analyst with 5 years of experience in Commercial Lending Operations. Performed detailed spreading and analysis of financial statements (Balance Sheet, Income Statement & Cash flow) in Credit Lens (Moody’s Risk Analytics Tool) and nCino. Looking forward to switching to a new organization for better growth in terms of learning and career opportunities in the banking, Finance or Investment sphere.

Overview

6
6
years of professional experience

Work History

Senior Analyst – Financial Spreading, Covenant Analysis & Credit Risk Review

Evalueserve
Gurugram
05.2025 - Current
  • Worked with a top financial analytics team to support a leading US banking client in financial spreading, credit analysis, and covenant monitoring for various corporate obligors.
  • Key responsibilities include analyzing financial statements and performing detailed financial spreading in credit systems to ensure accurate representation of borrower financials for credit assessment.
  • Conducted covenant analysis by reviewing credit agreements, tracking financial covenants, and identifying breaches or early warning signals.
  • Performing trend card analysis to evaluate historical financial performance and key credit metrics such as revenue, profitability, leverage, and liquidity trends to assess overall credit health of obligors.
  • Supporting obligor risk rating processes by evaluating financial and non-financial risk parameters to assign or validate internal credit risk ratings.
  • Preparing high-quality credit reports and risk summaries to support underwriting and lending decisions.
  • Conducting quarterly portfolio and borrower-level analysis to identify performance shifts, deterioration signals, and emerging risks.
  • Collaborating with cross-functional credit and risk teams to ensure timely delivery within strict SLAs while maintaining data accuracy, compliance, and adherence to banking standards.
  • Supporting senior analysts and relationship managers in end-to-end credit evaluation and risk monitoring.

Associate

Acuity Knowledge Partners
Gurugram
06.2021 - 04.2025
  • Analyzing the range of financial data, including balance sheets, income statements and cash flows.
  • Spreading financial statements i.e. trading accounts, divisional trading accounts, rental statements, Profit and loss accounts, Balance Sheet with an accuracy of not less than 99%.
  • Working on Unaudited, Unqualified, Qualified, Reviewed, Compiled, and Company Prepared statements.
  • Responsible for Quality check of spreading done by teammates, and ensuring all SLA’s (Service level Agreement) are duly met.
  • Monitoring different ratios and preparing general commentary and reviews on the financial stability of the business.
  • Providing training on CL (Credit Lens) software to new teammates.
  • Collaborated with team members to streamline reporting processes and workflows.

Finance Intern

HDFC Life Ltd
New Delhi
05.2020 - 07.2020
  • Pursued leads and potential customers to expand services and products offered.
  • Handling customer queries and provide appropriate solutions.
  • Engaging with customers and generate revenue by promoting and cross selling Life Insurance.

Education

PGDM -

Jagan Institute of Management Studies
New Delhi
05-2021

B.com -

Maharishi Dayanand University
Bhiwani, Haryana
05-2019

12th - Commerce Stream

Vaish Model Sr. Sec. School
Bhiwani
05-2016

10th -

Vaish Model Sr. Sec. School
Bhiwani
05-2014

Supply Chain Analytics -

NPTEL
04-2020

Fundamentals of Digital Marketing -

Google
06-2020

Skills

  • Financial Reporting
  • Microsoft Excel
  • Financial Analysis
  • Financial Spreading
  • Credit Analysis
  • Quality Checking & Control
  • Credit Risk Analysis
  • Trend Card Analysis
  • Personal Tax Return
  • Covenant monitoring
  • Team collaboration
  • Compliance oversight
  • Problem solving

Awards

  • Rising star award at Acuity Knowledge Partners, Gurugram
  • Most valuable player award at Acuity Knowledge Partners, Gurugram
  • Dream Team Award at Evalueserve, Gurugram

Personal Information

  • Date of Birth: 08/06/98
  • Nationality: Indian

Timeline

Senior Analyst – Financial Spreading, Covenant Analysis & Credit Risk Review

Evalueserve
05.2025 - Current

Associate

Acuity Knowledge Partners
06.2021 - 04.2025

Finance Intern

HDFC Life Ltd
05.2020 - 07.2020

PGDM -

Jagan Institute of Management Studies

B.com -

Maharishi Dayanand University

12th - Commerce Stream

Vaish Model Sr. Sec. School

10th -

Vaish Model Sr. Sec. School

Supply Chain Analytics -

NPTEL

Fundamentals of Digital Marketing -

Google
Nipun Mehta