Prateek Gosain
New Delhi
Summary
Professional with over fourteen years of experience in Finance, specializing in Commercial Banking Products and Portfolio Management. Expertise in managing credit and investments, with a strong ability to analyze financial statements and market trends. Proven track record in risk mitigation and enhancing client interactions to drive business growth.
Results-driven Lead Analyst with a proven track record in risk analysis and project management. Expertise in managing complex client portfolios and delivering high-quality credit applications with over 90% adherence to Right First Time standards.
Overview
17
17
years of professional experience
Work History
Lead Analyst
NatWest Group/RBS
Gurgaon
08.2017 - Current
- Managed portfolio of 25–30 US clients, ensuring optimal service delivery.
- Produced robust credit applications, achieving 90% Right First Time (RFT) standards.
- Wrote credit papers and updated financial models to assess sector-specific credit risks.
- Obtained necessary approvals from credit and clarified sanction instructions.
- Sorted post-sanction instructions and minimized overall risk exposure.
- Structured transactions to balance risk and reward while optimizing capital efficiency.
- Performed detailed annual reviews of facilities and products for large corporates.
- Calculated covenants and monitored customer performance metrics regularly.
- Performed PD and LGD risk calculations, RAROE model, and DCOM (EMS) report preparation.
- Completed KPIs, PM/coverage requests, and performed various checks (DWI/EWI, AR overdue, MIFI, Diary Notes, DQ).
- Ensured SOP adherence, compliance with DCC guidelines, covenant monitoring, and daily excess checks.
- Liaised with external solicitors for facility/letter documentation.
- Collaborated with the UK PM, credit, coverage, product partners, and stakeholders.
Senior Financial Analyst
EXL Pvt. Ltd.
10.2013 - 07.2017
- Financial Statement Planning, Analysis and Spreading Services
- Analysis of financial statements (US GAAP-based Audited, CPA Reviewed, CPA complied, Business Tax Returns and Personal (Individual) financial statements (PFS's, Personal Tax Returns, CBR, Individual liquidity statements).
- Updating financial models and preparing forecasting financial statements & analyzing trends comparing future financial with current financial.
- Review the preparation of financial accounting analysis and ratio analysis
- Extensive use of Moody's Risk Analyst (MRA) Software for spreading and applications like AFS, CCAS, ACE and CBC Invoice (Credit Bureau Report).
- Mentoring the new analyst in preparing, spreading & tracking of Individual related documents (PFS's, Personal Tax Returns, CBR) and Business related documents (Complied, Audited, Co prepared statements and Business Tax Returns.
- We comprehensively examine various cost and revenue components in multiple dimensions to understand variances and provide business insights.
- Proactively spotting changes in the company's financial position helps avoid reporting errors and maintain competitive advantage.
Senior Team Associate
Bank of America (BOA)
- FSS (Financial Statement Spreading Services supports the onshore Credit Decisions team of the Business Banking division
- Analysis of all type of Financial Statement which includes business as well as Individuals or guarantors
- Reclassification of financial year-ending (FYE) statements of the last three years along with the quarter-ending statement to see the current position of the client Income Statement, Balance Sheet and Cash Flow
- Work on both corporate and individual tax returns to assess the combined cash flow position
- ARM GCB Precall Planning (Business Research profile)
- ARM-GCB Precall Team involved in the research based on cross-selling opportunities of the products and services.
- Establish a process to support the gathering of centralized documents and information like Company Industry Overview Loan information, Credit Document, Credit Risk, KYC, UCC Filings Analysis, Checking and savings, Documents etc. that are used to prepare client prospect calls and meetings for Business Banking Middle Market, Health Care and Institution and Client Development Group.
- Pitch-Book preparation which involves detailed Company profiling, Industry Overview and analysis; analyzing Loan information & line of Credit KYC Documents
Verifier
Intouch Solution Pvt. Ltd. (BPO)
New Delhi
07.2008 - 08.2010
- Worked as a verifier in NGO Process Our Team took the lead for the donation and fixed up an appointment with the donor.
- My daily operations included verifying the leads and scheduling the appointment for the Team, Co-ordinating the field executives of the Delhi and Mumbai Areas
Education
MBA - FINANCE & MARKETING
Institute of Management and Technology
Ghaziabad01.2013
B.Com - Commerce
Delhi University
New DelhiSENIOR SECONDARY - Commerce
MCL Sarawati Bal Mandir
New Delhi03-2005
HIGHER SECONDARY -
MCL Sarawati Bal Mandir
New Delhi01.2003
Skills
- Microsoft Office applications
- Analytical thinking
- Project management
- Strategic planning
- Team leadership
- Client and stakeholder engagement
- Financial planning
- Risk analysis and assessment
- Credit report writing
- Banking tools expertise
- Research applications and tools
- Bloomberg and Capital IQ proficiency
- Factiva and Thomson knowledge
- OneSource and Hoovers familiarity
- Market research analysis
Financial Courses
- Diploma in Chartered Banker, UK, NatWest Group, 2017
- Financial Modeling course, AIMA
- Global Business Accountant Certification on Finance, GBA, 2004
Personal Information
- Date of Birth: 23/06/1988
- Nationality: Indian
Languages
- English
- Hindi
Timeline
Lead Analyst
NatWest Group/RBS
08.2017 - Current
Senior Financial Analyst
EXL Pvt. Ltd.
10.2013 - 07.2017
Verifier
Intouch Solution Pvt. Ltd. (BPO)
07.2008 - 08.2010
Senior Team Associate
Bank of America (BOA)
MBA - FINANCE & MARKETING
Institute of Management and Technology
B.Com - Commerce
Delhi University
SENIOR SECONDARY - Commerce
MCL Sarawati Bal Mandir
HIGHER SECONDARY -
MCL Sarawati Bal Mandir