Pragya Gupta

(Promoted from Senior Anayst to Manager in Apr’25)

• Performed end-to-end credit, financial, operational, and portfolio analysis of NBFCs and corporates for securitization and NCD issuances
• Led credit evaluation for structured finance products (LeaseX, LoanX and InvoiceX), including counterparty assessment, diligence workbook preparation, industry benchmarking, management and investment committee discussions and perfios bank statement analysis
• Analysed and structured loan pools for securitization, including transaction structuring, cash-flow and sensitivity analysis, and pool-level risk assessment (concentration, collections, performance).
• Prepared credit appraisal notes highlighting key risks and mitigants, drafted investment website memos, and coordinated with credit rating agencies for timely PTC ratings
• Revamped credit scoring frameworks for mature corporates and enabled credit process automation through migration of pre-sanction workflows and development of credit frameworks for NBFCs and corporates

• Managed a team of 5 Credit and Regional Credit Managers, overseeing the Udaipur region portfolio (~₹2,608 Cr).
• Led credit appraisal and risk analysis of Priority Sector Loan proposals, ensuring policy compliance and timely decisioning for large-ticket exposures (avg. ₹20 Cr).
• Assessed industry, credit, and operational risks, analysed financial statements and credit history, and implemented appropriate risk mitigants.
• Managed urban and rural portfolios across sectors including textiles, FMCG, minerals, agriculture, and manufacturing.
• Ensured portfolio quality through MIS reporting, delinquency monitoring, early-warning signal identification, and coordination with third-party agencies on ICICI’s proprietary platform.