Rupan Narula
Credit Analyst
Gurgaon
Summary
Experienced credit risk analyst with a strong background in evaluating financial information and analyzing financial statements. Proficient in recognizing trends, evaluating risks, and delivering actionable insights to guide sound decision-making.
Overview
2025
2025
years of professional experience
6
6
years of post-secondary education
Work History
Financial Analyst
Evalueserve
04.2024 - Current
- Supporting US. Bankers in credit processes.
- Calculating financial covenants in accordance with the facility agreement (such as DSCR, FCCR, LTV, Interest coverage etc) and providing comprehensive explanations.
- Monitoring and testing covenant compliance.
- Performing financial analysis and Covenant testing on a monthly, quarterly or annual basis, including Profit and loss statement, Balance sheet and Cash flow statements.
Team Leader (Credit and Risk)
Indifi Technologies Private Ltd
4 2021 - 5 2023
- Conducted through analysis of financial statements, Ratio Analysis performance and trends to assess the creditworthiness of MSMEs clients.
- Prepared comprehensive credit report, including annual and quarterly reviews, showcasing the counterparty’s profile, key rating considerations, credit risk assessment and outlook
- Scrutinizing applications, and analyzing CIBIL statements and financial statements, before assigning them to the lender with proper TAT and Quality
- Created clear CAM reports with important facts for the bosses
- Designed and delivered customized training sessions for credit analysts, enhancing their ability to identify and mitigate potential risks in loan applications
- Skills in constructing and interpreting financial models to forecast potential credit outcomes and assess repayment capacity
HR Intern
Pearl Global Industries Private Limited
05.2019 - 07.2019
- Assisted human resources and recruiting teams by scheduling phone screens and on-site interviews
- Worked with HR team to coordinate company events
- Worked on the Project of HR policies and Procedures
Education
Master of Business Administration - Finance
Shri Guru Gobind Singh Tricentanary University
01.2018 - 01.2020
Bachelor of Commerce - undefined
Kishanlal Public College
01.2015 - 01.2018
Higher Secondary School Certificate - undefined
Holy Child Public School
01.2014 - 01.2015
Skills
- Financial Statement and Ratio analysis
- Credit Risk Assessment
- Portfolio Management
- Microsoft Excel
- CIBIL report Analysis
- Collateral Analysis
- Due Diligence
- Covenant Monitoring
Projects
Indifi Technologies Pvt ltd
Project Title - Credit Risk Analysis For Small Business Loans.
Assess the creditworthiness of small business loan applicants and reduce default risk. Analyzed Applicants financial statements, including cash flow, profit margins and debt ratios,. Built a credit scoring model to assess risk based on historical data and market trends.
Timeline
Financial Analyst
Evalueserve
04.2024 - Current
HR Intern
Pearl Global Industries Private Limited
05.2019 - 07.2019
Master of Business Administration - Finance
Shri Guru Gobind Singh Tricentanary University
01.2018 - 01.2020
Bachelor of Commerce - undefined
Kishanlal Public College
01.2015 - 01.2018
Higher Secondary School Certificate - undefined
Holy Child Public School
01.2014 - 01.2015
Team Leader (Credit and Risk)
Indifi Technologies Private Ltd
4 2021 - 5 2023
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