Rajalakshmi Swaminathan
Chennai
Summary
Finance professional with expertise in financial analysis, markets, and investments. Skilled in financial modeling and data analysis, consistently staying informed on industry trends. Seeking opportunities to leverage analytical skills and contribute to organizational success.
Overview
9
9
years of professional experience
Work History
Senior Credit Associate
Yubi
Chennai
06.2024 - Current
- Performed detailed due diligence on companies across sectors to assess creditworthiness and investment viability.
- Prepared detailed Investment Committee notes and decks, including risk analysis, financial modeling, and key recommendations.
- Monitored portfolio performance to identify early warning signals and mitigate risks.
- Finalized term sheets with tailored risk mitigants for individual client profiles.
- Reviewed credit rating rationales to monitor outlook changes, and inform internal teams for further actions.
- Updated sectoral decks for diverse investors, ensuring stakeholders remained informed on industry developments.
- Collaborated with cross-functional teams to enhance investment decisions and support risk management processes.
- Guided junior associates in data gathering and interpretation for generating actionable insights in credit notes.
Credit Risk Analyst
Sundaram Finance limited
Chennai
11.2022 - 06.2024
- Conducted comprehensive credit analysis and financial due diligence on portfolio of Non-Banking Financial Company clients.
- Assessed asset quality and analyzed financial ratios to identify risks in extending term loans.
- Engaged with prospective clients to gain insights into their business models.
- Collaborated with cross-functional teams to evaluate portfolios while adhering to timelines and regulatory guidelines.
- Prepared detailed credit appraisal notes and presented recommendations to senior management for decision-making.
Audit Associate
Sundaram & Srinivasan Chartered Accountants
02.2017 - 09.2022
- Conducted audits of NBFCs, focusing on Treasury activities and loan documentation.
- Verified books of accounts for manufacturing organizations, concentrating on purchases, sales, and material handling.
- Drafted audit observations, quantified impacts, identified root causes, and recommended performance enhancements.
- Prepared draft audit reports for various assignments.
- Led statutory audit for healthcare trust, verifying all transactions and financial statements.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India
11.2023
Bachelor of commerce -
Alagappa University
12.2018
HSC - 12th -
Victoria Matriculation School
03.2015
SSLC - 10th -
Victoria Matriculation School
03.2013
Skills
- Financial analysis and due diligence
- Credit risk assessment and monitoring
- Report writing and presentation
- Critical thinking
- Attention to detail
- Industry analysis
Languages
- Tamil
- English
Timeline
Senior Credit Associate
Yubi
06.2024 - Current
Credit Risk Analyst
Sundaram Finance limited
11.2022 - 06.2024
Audit Associate
Sundaram & Srinivasan Chartered Accountants
02.2017 - 09.2022
Chartered Accountant -
The Institute of Chartered Accountants of India
Bachelor of commerce -
Alagappa University
HSC - 12th -
Victoria Matriculation School
SSLC - 10th -
Victoria Matriculation School
Similar Profiles
Parthiban JayaprakashParthiban Jayaprakash
AVP - Strategy and Corporate Development at YubiAVP - Strategy and Corporate Development at Yubi
Melvyn GilbertMelvyn Gilbert
Sr. Director Delivery Management at YubiSr. Director Delivery Management at Yubi
Vinoth Kumar SVinoth Kumar S
Senior QA Engineer at YubiSenior QA Engineer at Yubi
Ranjitha KolanginathanRanjitha Kolanginathan
Lead Consultant at Virtusa Consulting ServicesLead Consultant at Virtusa Consulting Services
JAWAHAR RJAWAHAR R
Airport-customer-service-agent at AI AIRPORT SERVICE LIMITEDAirport-customer-service-agent at AI AIRPORT SERVICE LIMITED