Summary
Overview
Work History
Education
Skills
STRENGTHS
Timeline
Generic

Poonam Kumari Singh

Principal Analyst
Kolkata

Summary

Principal Analyst with 2+ years of experience in financial risk management and structured finance, specializing in Collateralized Debt Obligation (CDO) modeling. Skilled in financial analysis, risk assessment, and client relationship management, with a strong foundation in quantitative modeling, project management, and communication. Experienced in building and validating models to simulate cash flow waterfalls, prepayment, and default risks, ensuring accuracy and compliance in Euro and US CLO transactions. Adept at translating complex financial structures into actionable insights, contributing to greater transparency, resilience, and risk mitigation in structured finance.

Overview

5
5
years of professional experience
2
2
Languages

Work History

Principal Analyst

ICRA Analytics Ltd.
04.2025 - Current
  • Specializing in CDO (Collateralized Debt Obligation) modeling, focusing on Euro and US CLO transactions.
  • Built and validated cash flow models simulating complex tranche waterfalls, default scenarios, and prepayment risks.
  • Interpreted and analyzed official documents (Final OC, Indenture, Trustee reports) to set up liabilities, assets, and quality tests.
  • Conducted cash flow analysis ensuring accuracy, compliance, and alignment with trustee-reported values.
  • Contributed to risk assessment and market resilience by improving transparency through better modeling and structured finance analytics.

Lead Analyst

ICRA Analytics Ltd.
03.2023 - 03.2025
  • Structured Finance (CLO Modeling): Perform detailed cash flow modeling for Euro and US-based Collateralized Loan Obligations (CLOs) for Moody’s.
  • Document Analysis: Review and interpret official deal documents (Final OC, Indenture, Trustee reports) to extract key information for accurate model setup.
  • Deal Structuring: Set up and validate liabilities, assets, and quality tests to ensure compliance with deal requirements.
  • Cash Flow Analysis: Model and analyze payment waterfalls, prepayment/default scenarios, and distribution mechanisms.
  • Counterparty Evaluation: Assess the role and interactions of various counterparties involved in structured finance transactions.
  • Risk Transparency: Provide insights into payment structures and transaction mechanics, supporting informed investment and risk management decisions.

Senior Associate Analyst

ICRA Analytics Ltd.
03.2021 - 03.2023
  • Worked in the project ATS (Analytics technology support) which involved verification of loan performance data used in the rating and surveillance process using black box method of testing.
  • Original loan level modified to cover all possible input points for each loan characteristics.
  • Reviewing of code to identify discrepancies.

Education

Masters of Commerce - Accounting and Finance

University of Calcutta
01.2020

Bachelors of Commerce - Accounting and Finance

Goenka College
01.2018

Higher Secondary - Commerce

Shree Digambar Jain Balika Vidyalaya
01.2015

Madhyamik - Gen

Howrah Binodini Balika Vidyabhaban
01.2013

Skills

Client Interaction

STRENGTHS

Strengths

  • Analytical Skills: Strong expertise in financial risk management and structured finance, with the ability to interpret complex financial data and models.
  • Communication Skills: Excellent at managing client relationships and collaborating with stakeholders to deliver clear, actionable insights.
  • Technical Skills: Proficient in financial modeling, project management, and advanced use of Excel and MS Office for data analysis and reporting.
  • Team Management: Experienced in guiding and coordinating teams to achieve project goals, ensuring efficiency, collaboration, and high-quality deliverables.

Timeline

Principal Analyst

ICRA Analytics Ltd.
04.2025 - Current

Lead Analyst

ICRA Analytics Ltd.
03.2023 - 03.2025

Senior Associate Analyst

ICRA Analytics Ltd.
03.2021 - 03.2023

Bachelors of Commerce - Accounting and Finance

Goenka College

Higher Secondary - Commerce

Shree Digambar Jain Balika Vidyalaya

Madhyamik - Gen

Howrah Binodini Balika Vidyabhaban

Masters of Commerce - Accounting and Finance

University of Calcutta
Poonam Kumari SinghPrincipal Analyst