Nitin Yadav
Senior Credit Analyst
Durgapur
Summary
Dynamic credit and risk professional with over 7 years of experience in the financial services sector, currently serving as a Senior Credit Analyst at CRISIL Limited. Proven track record in supporting credit rating analysis for EMEA Transportation Infrastructure and North America Midstream & Refining portfolios at S&P Global Ratings. Strong skills in financial modeling, sensitivity analysis, and capital structure assessment. Expertise in distilling complex financial and operational data into clear, actionable insights that inform rating committee decisions. Committed to mentoring analysts and fostering a culture of rigorous, strategy-aligned credit risk management.
Overview
7
7
years of professional experience
1
1
Language
Work History
Senior Credit Analyst
CRISIL Ratings Limited
Pune
04.2023 - Current
- Support credit rating analysis for EMEA Transportation Infrastructure and NA Midstream & Refining portfolios at S&P Global Ratings.
- Build robust financial projections and conduct sensitivity analysis to assess downside risk and rating impact.
- Tracking operating performance, industry dynamics, analyzing financial statements, assessment of business and financial risk profile, preparing financial models/projections and project finance.
- Contribute to rating committee materials by preparing issuer credit summaries and analytical insights.
- Strengthen team capability by training new analysts on financial modeling techniques and credit risk assessment frameworks.
Credit Analyst
CRISIL Ratings Limited
Pune
10.2021 - 03.2023
Analyst
Fitch Ratings (India Ratings and Research)
Gurugram
02.2019 - 09.2021
- Detailed discussion with the Issuers, Management, and Banker’s providing rationale for arriving at a specific rating level.
- Perform due diligence and detailed fundamental analysis for the Corporate; including analysis of business risk, industry risk, financial risk, industry peers, management quality and corporate governance.
- Part of more than 80 management meetings, rating committees as secondary analyst.
- Handling of critical issuers as and when required.
- Executing Credit Rating assignment (Basel II ratings) for various banking facilities like Fund-based Limits, Non-fund based Limits, Term Loans etc.
- Undertook credit assignments across diverse sectors like Food and Beverages, Engineering Procurement and Construction, Retail, Textile, Diversified services segment etc. encompassing investment and non-investment grades in the mid and emerging segments.
Associate Analyst
CARE Ratings Limited
Chandigarh
09.2018 - 02.2019
- Quantitative and qualitative analysis of company’s credentials and financials (involved direct client interaction, site visits, probing clients on key attributes and projections and making inferences from multiple factors).
- Undertook credit assignments in sectors like Iron and steel and Rice Mill Industry.
- Worked on wide products like Basel II ratings, NSIC ratings, SME ratings and Due- diligence service reports.
Education
MBA - Finance and Marketing
Bharati Vidyapeeth Deemed University
Pune, Maharashtra 04.2001 -
B.Com. (Hons.) - Accounting and Finance
South City College
Kolkata06-2013
12th -
Hemsheela Model School
Durgapur05-2010
10th -
St. Peters School
Durgapur05-2008
Skills
Skilled in analyzing financial reports
Financial analysis
Client relationship management
Employee training
Creditworthiness evaluation
Credit analysis
Credit risk assessment
Data interpretation
Accomplishments
-Execution Excellence Award – 2025 (CRISIL Limited)
- Analytical Excellence Award – 2021 (India Ratings)
EXTRAMURAL ENGAGEMENTS/ OTHER ACCOLADES
Participated in inter college Business Plan competition. Participated in Inter College Football Tournament organized by BVDU, Pune. Bagged various prizes in Sports.
Timeline
Senior Credit Analyst
CRISIL Ratings Limited
04.2023 - Current
Credit Analyst
CRISIL Ratings Limited
10.2021 - 03.2023
Analyst
Fitch Ratings (India Ratings and Research)
02.2019 - 09.2021
Associate Analyst
CARE Ratings Limited
09.2018 - 02.2019
MBA - Finance and Marketing
Bharati Vidyapeeth Deemed University
04.2001 -
B.Com. (Hons.) - Accounting and Finance
South City College
12th -
Hemsheela Model School
10th -
St. Peters School