Priyal Upadhyay
Mumbai
Summary
Experienced Credit Risk Analyst skilled in risk assessment and portfolio management. Enhances credit decision-making through data analysis and collaboration. Expertise in regulatory compliance and credit underwriting, providing insights that inform stakeholder decisions and optimize risk policies.
Overview
8
8
years of professional experience
Work History
Credit Risk Intermediate Analyst
Citi
Mumbai
06.2025 - Current
- Utilized proprietary risk management tools including Debt Rating Model (DRM) and Scorecards to enhance risk assessment accuracy.
- Collaborated with stakeholders to develop risk models that improved credit decision-making accuracy.
- Conducted in-depth analysis of borrower financial statements to assess creditworthiness.
- Analyzed market trends and emerging risks, recommending adjustments to credit policies to mitigate potential losses.
- Collaborated with cross-functional teams to enhance and automate credit risk assessment.
- Led training sessions on risk and process assessment methodologies, boosting team capability in credit risk evaluation.
- Led the audit process during a review of accounts being given increased loans, ensuring compliance with regulations.
Credit Risk and Portfolio Analyst
Citi
Mumbai
12.2018 - 06.2025
- Performed detailed financial and portfolio analysis, including financial statement analysis, leverage analysis, variance analysis and exposure-summary evaluation to assess overall client risk and support credit recommendations.
- Executed credit underwriting and portfolio assessment for corporate institutions across diversified industries within Citi's Global Subsidiaries Group, enhancing risk evaluation for the India portfolio.
- Evaluated portfolio exposures and risk characteristics, assigned internal risk ratings and classifications, and provided analytical recommendations to Risk Officers.
- Conducted due diligence and assessed client business models, financial performance and credit quality through discussions with clients and banking stakeholders.
- Assessed portfolio-related regulatory requirements, including working-capital assessment, unhedged foreign currency exposure (UFCE) analysis and non-fund-based limit assessment.
- Monitored portfolio risk indicators and identified emerging risk signals, strengthening ongoing portfolio oversight.
- Led the automation and onboarding of a regulatory Early Warning Signals (EWS) requirement, streamlining the process and supporting effective execution across the team.
- Coordinated with banking and risk stakeholders to ensure timely completion of analysis, approvals and portfolio-related requirements while maintaining quality and control standards.
- Prepared analytical outputs and risk assessments for senior stakeholders, facilitating informed decision-making on client and portfolio matters.
Education
Postgraduate - Finance
Distance M.Com
Mumbai University04-2019
Masters in Management Studies - PGDM
Thakur Institute
Mumbai06-2018
Bachelors of Commerce -
SDPG Institute
Rajasthan06-2016
Skills
- Credit underwriting analysis
- Risk Assessment
- Credit Risk Policies
- Regulatory compliance
- Risk Reporting
- Portfolio Management
- Financial analysis
- Team collaboration
Accomplishments
- Team Player - Awarded with 'Star Team Player (1Q'23)' at Citi for making significant contribution to the team on implementation of EWS regulatory requirement and demonstrating positive attitude & willingness to collaborate with others.
- Stakeholder Engagement - Positive feedback from banking and risk counterparts with regards to quality of analysis and timeliness.
- Regulatory Compliance Leader - Advised and trained team on meeting compliance regulations, saving potential fines through proactive measures.
Hobbies and Interests
- Sketching
- Cooking
- Dancing
Timeline
Credit Risk Intermediate Analyst
Citi
06.2025 - Current
Credit Risk and Portfolio Analyst
Citi
12.2018 - 06.2025
Postgraduate - Finance
Distance M.Com
Masters in Management Studies - PGDM
Thakur Institute
Bachelors of Commerce -
SDPG Institute