Sagar Desai
Senior Analyst - Core Analytical Group
Mumbai
Summary
Knowledgeable financial professional experienced in assessing credit risk of corporates. Good organizational and critical thinking skills. Offering 10+ years of related experience.
Overview
14
14
years of professional experience
1
1
Language
Work History
Senior Analyst
India Ratings & Research Pvt Ltd
05.2022 - Current
- Undertaking thematic research across sectors and product groups
- Highlighting key credit developments across Corporate, infrastructure assets, banks and the macro environment on a day to day basis and translate them to an Ind-Ra opinion in short periods of time
- Collaborating with rating analysts across groups on research themes.
- Communicating with various market constituents, including investors, issuers, bankers and members of the media, regarding the agency’s research, analytical views and general market trends.
- Supporting the Company’s brand building efforts through events and forums.
Senior Ratings Analyst
Brickwork Ratings
05.2021 - 05.2022
- Client Coverage: JSW Infrastructure, JSW GMR Cricket, Elecon Engineering, Mazagon Dock Shipbuilders, Jawahar Shetkari Sahakari Sakhar Karkhana Ltd, Stelmec Ltd, Viraj Profiles
- Multi sectoral Exposure including Infrastructure, Defense, Sugar, Steel and Power Components etc
- Improved understanding of financial statements, which helped in assessing risk.
- Prepare the rating note containing rating recommendation in a time bound manner
- Conducted presentations to upper management and executive teams for ratings recommendations.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
- Offered insight to upper management regarding credit decisions.
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
Senior Relationship Manager
Industrial & Commercial Bank of China
11.2014 - 05.2021
- Researched current trends to identify prospective customers and determine specific needs.
- Corporate Coverage: Godrej Consumer Products Ltd, Mahindra & Mahindra Financial Services Ltd, JSW Steel, Tata Steel Ltd, The Tata Power Co Ltd, Air India Ltd, Reliance Industries, Vedanta Resources Ltd, Shriram Transport Finance Corporation Ltd., Honeywell Automation India Ltd,
- Worked with clients to address and respond to client and partnership management issues.
- Developed summaries to assess each client's participation level and determine targets for follow-up plans.
- Developed new banking relationships with business prospects.
- Planned and attended meetings with clients to cultivate and grow partnerships and opportunities.
Credit Analyst
India Ratings & Research Pvt Ltd.
06.2010 - 10.2014
- Client Coverage: IOT Utkal Energy Services, Indian Express Newspaper Ltd (Express Towers), Vikhroli 24/7 Corporate Park, IRB Infrastructure Developers Ltd, J.Kumar Infraprojects Ltd, Cararro India etc.
- Multi sectoral Exposure including Infrastructure & Construction, Commercial Leasing, Auto ancillaries etc
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved.
- Made decisions and recommendations about credit ratings assignment or reviews.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted industry research to understand economic conditions impacting borrower ability.
- Conducted presentations to upper management and executive teams for ratings recommendations.
- Maintained compliance with applicable regulations and laws governing the rating agency.
Education
PGDBM Major – Finance, Minor Marketing - Finance
Foundation For Liberal And Management Education (FLAME), Pune
PuneBachelor of Management Studies (BMS) - undefined
Nagindas Khandwala College, Mumbai
Higher Secondary College - undefined
Ritambhara College, Mumbai
Skills
Credit Analysis
Financial Statements Expertise
Performance Monitoring
Client Relationship Management
Analytical Thinking
Internship
National Stock Exchange of India Limited (NSEIL), Management Trainee, 05/01/09, 07/01/09, Scrutinizing and validating of documents submitted for corporate disclosure., Assisted in the listing process of instruments issued by the Companies.
Personal Information
Date of Birth: 11/30/84
Timeline
Senior Analyst
India Ratings & Research Pvt Ltd
05.2022 - Current
Senior Ratings Analyst
Brickwork Ratings
05.2021 - 05.2022
Senior Relationship Manager
Industrial & Commercial Bank of China
11.2014 - 05.2021
Credit Analyst
India Ratings & Research Pvt Ltd.
06.2010 - 10.2014
PGDBM Major – Finance, Minor Marketing - Finance
Foundation For Liberal And Management Education (FLAME), Pune
Bachelor of Management Studies (BMS) - undefined
Nagindas Khandwala College, Mumbai
Higher Secondary College - undefined
Ritambhara College, Mumbai