Roshan Lohiya
Senior Analyst
Pune
Summary
Skilled financial professional with over 12 years of experience specializing in Credit Risk Analysis, and Financial Spreading. Proven track record in establishing consistent business practices, enhancing credit risk controls, and serving as an internal risk consultant. Certified Lean Six Sigma Yellow Belt with expertise in mitigating loss through sophisticated pattern analysis and dispute management.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Analyst
bluCognition Pvt. Ltd.
09.2021 - Current
- Underwriting & Credit Evaluation: Performed in-depth credit analysis for retail and corporate clients by evaluating financial statements, repayment capacity, and overall creditworthiness to support informed lending decisions.
- Financial Statement Analysis (Spreading): Analyzed and interpreted income statements, balance sheets, and cash flow statements to assess financial performance, liquidity, and long-term sustainability of borrowers.
- Credit Risk Assessment: Conducted comprehensive industry and market research, including analysis of business models, competitive positioning, and digital presence, to identify potential risks, red flags, and external vulnerabilities.
- Credit Memorandum & Recommendations: Prepared detailed credit notes summarizing key findings, including revenue projections, cash flow adequacy, leverage metrics, and risk factors, along with actionable recommendations on loan approval, structuring, and covenant requirements.
Associate
CITCO Group Services LLP
08.2019 - 03.2021
- Investment Operations: Executed trade bookings and indexed KYC documentation for USA-based investors.
- Data Integrity: Managed trade reconciliations, validated wire/SWIFT documents for fund payments, and updated investor details.
- Quality Control: Verified processed trade requests to eliminate errors and released accurate account statements to investors.
Analyst
Rage Frameworks
06.2017 - 08.2019
- Credit Analysis & Underwriting Support: Performed comprehensive financial and credit analysis for individuals and businesses by evaluating financial statements, cash flows, and key risk indicators to support informed lending and investment decisions.
- Financial Statement Spreading & Analysis: Accurately spread and analyzed Income Statements, Balance Sheets, Cash Flow Statements, and U.S. Tax Forms for diverse corporate entities, including international clients, ensuring consistency and accuracy in financial reporting.
- Data Standardization & Mapping: Transformed complex financial data from audited, unaudited, and interim statements into standardized spreading templates, improving data integrity and comparability across entities.
- Variance & Performance Analysis: Conducted detailed variance analysis on key financial metrics, identifying trends, anomalies, and performance drivers to support decision-making and deeper financial investigation.
Senior Process Executive
Infosys
02.2014 - 05.2017
- Credit Administration: Processed applications and allocated credit limits based on company guidelines.
- Risk Verification: Guided the organization in ascertaining the genuineness of high-risk business applications via credit history and KYC.
- Credit File Amendments: Analyzed and resolved customer credit-file queries, making necessary account amendments and providing formal responses.
Trainee
Goel Financial Services
02.2013 - 11.2013
- Account Services: Set up new customer accounts and updated KYC and wire details.
- Securities: Assisted in the selling, purchasing, and transfer of shares.
Education
B.Com -
Sant Gadage Baba Amravati University
Maharashtra05-2011
Skills
- Financial Analysis
- Risk Rating
- Credit Risk
- Advance Excel
- Financial Spreading
- Credit Analysis
Certification
Certification: Lean Six Sigma Yellow Belt
Timeline
Senior Analyst
bluCognition Pvt. Ltd.
09.2021 - Current
Associate
CITCO Group Services LLP
08.2019 - 03.2021
Analyst
Rage Frameworks
06.2017 - 08.2019
Senior Process Executive
Infosys
02.2014 - 05.2017
Trainee
Goel Financial Services
02.2013 - 11.2013
B.Com -
Sant Gadage Baba Amravati University