Pallavi Ahuja
Credit Analyst I Private Credit & Direct Lending
Gurgaon
Summary
Credit analyst with experience in borrower financial monitoring, covenant compliance tracking, and credit risk assessment across direct lending portfolios. Skilled in analyzing leverage ratios, interest coverage ratios, and liquidity metrics to identify early warning signals of credit deterioration. Experienced in 3-statement borrower modeling, compliance certificate review, and credit portfolio reporting. Adept at preparing MIS dashboards and monitoring reports to support management review and risk escalation.
Overview
4
4
years of professional experience
1
1
Certification
2
2
Languages
Work History
Credit Analyst
Decipher Financials
05.2024 - Current
- Built and maintained monthly and quarterly financial models (3-statement) for over 60 borrowers. Extracted and reviewed key data from facility agreements, amendments, financial statements, compliance certificates, and budgets.
- Monitored leverage ratios (Total Debt / EBITDA, Net Debt / EBITDA), liquidity, and coverage metrics across portfolio companies.
- Tracked and analyzed financial covenants from the compliance certificate, identifying potential breaches and early warning signals.
- Supported BDC (Business Development Company) portfolio reporting and performance tracking.
- Identify early warning signals (EWS).
- Reviewed management commentary and borrower factsheets submitted alongside quarterly financials, analyzing operational updates, key business risks, and management's outlook to contextualize financial performance.
Analyst
WNS Global Services
08.2022 - 11.2023
- Prepared detailed company profiles, including STRIPS, one-pagers, and tear sheets, covering company overview, business description, industries served, key business segments, and recent strategic developments for use in pitch books and client presentations.
- Supported U.S. Investment bankers with in-depth company profiles, industry overview reports, and deal-related research materials.
- Conducted valuation analyses using comparable company analysis (comps) and precedent transaction analysis, providing key metrics and insights to support deal-making.
- Leveraged financial databases such as Pitchbook, Capital IQ, Factiva, and Thomson One for financial data spreading and benchmarking across sectors.
Managed multiple concurrent investment banking research assignments, including recurring and ad hoc tasks. - Enhanced team collaboration by providing clear communication of complex findings through visualizations and reports.
Education
CFA Level II - Finance
CFA Institute
U.S 04.2001 -
B.Com - Commerce
Awadh University
Ayodhya, India 04.2001 -
High School Diploma -
AIS
Ayodhya, India 04.2001 -
Skills
Credit analysis
Financial statement analysis
Covenant AnalysisCredit Risk Monitoring
Liquidity Monitoring
Pitchbook
CapitalIQ
Certification
Beginner To Pro In Excel: Financial Modelling And Valuation.
Timeline
Credit Analyst
Decipher Financials
05.2024 - Current
Analyst
WNS Global Services
08.2022 - 11.2023
CFA Level II - Finance
CFA Institute
04.2001 -
B.Com - Commerce
Awadh University
04.2001 -
High School Diploma -
AIS
04.2001 -