Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Rakesh Shetty

Rakesh Shetty

Senior Credit Analyst

Summary

Experienced with credit risk assessment, financial statement analysis, and risk management. Utilizes analytical skills to evaluate creditworthiness and develop risk mitigation strategies. Strong understanding of regulatory compliance and financial modeling.

Overview

10
10
years of professional experience
2
2
years of post-secondary education
8
8
Certifications

Work History

Senior Credit Analyst

Ernst & Young
08.2024 - Current
  • Analyzing financial statements, performance, and trend analysis for assessing the creditworthiness of mid-large corporates.
  • Managing a portfolio of clients and handling rating assignments.
  • Preparing credit reports (annual/quarterly reviews) by including the profile of the counterparty, key rating considerations, credit risk assessment (including financial and peer analysis, rating rationale, outlook, etc.).
  • Analyzing the business model, identifying strengths, weaknesses, risks, and understanding the revenue models and the corporate structure of the counterparties.
  • Adhering to standard operating procedures and policies, including compliance documentation.
  • Maintaining a strong relationship with the client.

Senior Credit Analyst

Acuity Knowledge Partners
12.2022 - 07.2023
  • Write detailed credit reports for large and mid-corporate based on careful analysis of various external and internal factors to arrive at suitable risk rating.
  • Doing credit review of leveraged lending, asset-based lending and equipment finance portfolios of US bank.
  • Performed detailed credit analysis of credits, including capital structure, financial spread and analysis, EBITDA analysis, and key credit metrics analysis.
  • Monitor and evaluate risk rating of loans in the current portfolio and suggest upgrade/downgrade based on the latest financial results and current business environment.
  • Preparing timely event summaries with critical analysis of impact on obligors.
  • Preparing detailed credit reports (interim and annual reviews) on obligors within committed timelines.
  • Review entity financials/annual reports and other supporting financial data to accurately prepare spreads in cashsuite application.
  • Analyzing credit agreements, historical financial statement, company reports, and perform detailed financial analysis and Risk modelling.
  • Responsible for adherence to client SLAs and Policies.
  • Perform ad-hoc tasks with detailed understanding on client requirement within stipulated timelines.
  • Perform quality check of the spreads/reports completed by the junior analysts and ensure they are as per the guidelines.
  • Developed and implemented financial models to analyze complex information and assess health of organization.

Senior Process Executive

Infosys BPM
08.2019 - 08.2021
  • Prepared special studies, analysis and recommendations in areas such as budgets, forecasts, financial plans and statistical reports.
  • Provided specialized financial planning support for clients with diverse portfolios and individual needs.
  • Supported SAP application support process (testing, deployment, Working Communities, and ongoing support).
  • Supported as subject matter expert by providing functional and technical support.
  • Performed System admin rule by resolving financial application issues that arise from the firm's global software applications.
  • Identify sources and trends of functional and technical issues to help prevent future occurrences that will negatively impact the customer experience.
  • Generated monthly metric reports, interpreted results and developed processes and solutions.

Financial Analyst

Ernst & Young
01.2017 - 07.2019


  • Analyze the trends of Key Performance Indicators (KPIs), especially those relating to financial metrics such as Revenue, expenditures, and profit margin in SAP.
  • Analyze costs, pricing, variable contributions, sales results and the company's actual performance compared to the business plans.
  • Monitor KPIs and identify the cause of any unexpected variances.
  • Worked on-site (Bahrain &Dubai) on project deployment, during this period got the opportunity to work with process owners and understand the business process immensely.
  • Worked on different testing cycle. such as system integration (SIT), product verification testing (PVT) ,Regression testing and user-acceptance testing(UAT).
  • undertook end-to-end test activities such as test script development, test execution & defects management.
  • Prepared special studies, analysis and recommendations in areas such as budgets, forecasts, financial plans and statistical reports.
  • Provided specialized financial planning support for clients with diverse portfolios and individual needs.

Credit Risk Analyst

Standard Chartered GBS Pvt Ltd
09.2015 - 01.2017
  • Managed credit limit database by setting, removing, and adjusting credit limits determined by strength of credit and ratio of credit limit used.
  • Analyzed severity of past due accounts and took precautions to prevent future credit losses.
  • Monitored borrowing trends, payments, and credit exposure on a weekly basis.
  • Identified potential lending liabilities and credit risks in lending by analyzing financial.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Stock statement analysis and update to provide overdraft facility.
  • Prepared monthly client reports and Ad-hoc reports.
  • Received best New joiner award during Q1, 2016 and extra miler award for exceptional client service.

Education

Master of Commerce - Finance

St. Aloysius College Mangalore University
Mangalore, Karnataka
07.2013 - 06.2015

Skills

Quantitative and analytical skills

Ability to work under pressure

Proficiency in financial software

Due diligence

Verbal and written communication

Certification

Data Science Foundation course – International Association of Business Analytics (IABAC)

Timeline

Business Intelligence (BI) Essentials

06-2025

Senior Credit Analyst

Ernst & Young
08.2024 - Current

Banking Products and Services - CFI

06-2023

Analyzing Growth Drivers & Business Risks - CFI

06-2023

Reading Financial Statements - CFI

06-2023

Excel Fundamentals – Formulas for Finance - CFI

06-2023

Senior Credit Analyst

Acuity Knowledge Partners
12.2022 - 07.2023

Data Science Foundation course – International Association of Business Analytics (IABAC)

11-2020

Python A-Z: Python for Data Science with real exercise, Udemy

03-2020

Microsoft SQL - Udemy

10-2019

Senior Process Executive

Infosys BPM
08.2019 - 08.2021

Financial Analyst

Ernst & Young
01.2017 - 07.2019

Credit Risk Analyst

Standard Chartered GBS Pvt Ltd
09.2015 - 01.2017

Master of Commerce - Finance

St. Aloysius College Mangalore University
07.2013 - 06.2015
Rakesh ShettySenior Credit Analyst