Smriti Dureha
Bangalore
Summary
Dynamic Credit Analyst with extensive expertise in risk analysis, portfolio management, and process optimization across Singapore, MENA, and global markets. Demonstrated success in re-architecting credit frameworks, driving AI tool adoption (Copilot), and mentoring cross-functional teams to elevate portfolio quality and analytical standards.
Overview
7
7
years of professional experience
Work History
STA-Credit Transformation
Standard Chartered
01.2026 - 11.2026
- Credit Process Simplification: Supported 7+ cross-functional transformation initiatives spanning GM/BCA de-duplication, BCA checklist, CAT 2/3 substantiation, CreditIQ, FIRC/H2 training and MI analysis, from diagnostic assessment through testing and implementation.
- AI & Copilot: Built and scaled a CPA-wide Copilot prompt library across 15+ credit use cases, including QC, information-gap analysis, all FI segments and CARTs; drove groundwork, testing, user touchpoints, training and rollout.
- Change & Adoption: Supported broader embedding of new credit processes through working groups, pilots, training/demonstrations, user feedback and centralised knowledge resources, helping translate frontline credit requirements into practical solutions.
Credit Analyst
Standard Chartered
Bangalore, India
10.2024 - 03.2026
- Drive end-to-end credit analysis across a diversified Singapore FIG and Corporate portfolio, spanning complex BCA assessment, financial analysis, credit grading, facility structuring and portfolio monitoring.
- Lead risk assessment and mitigation across renewals, amendments and new/incremental exposures, evaluating financial, structural, policy and cross-border risks and driving cases through Credit approval.
- Manage ongoing credit risk through CaRTs, Early Alerts, policy exceptions and regulatory requirements, partnering closely with Coverage/GAM and Credit on remediation and exposure management.
- Strengthen credit quality through rigorous BCA documentation and peer QC, covering financials, scorecards, ESG/CESGRA, fraud risk and portfolio-standard requirements.
Associate - Credit Analyst
HSBC
Bangalore Urban, India
10.2021 - 10.2024
- Conducted Corporate and FIG credit reviews for clients in MENA, ensuring portfolio quality, risk mitigation, and alignment with regional credit standards.
- Delivered high-impact presentations to stakeholders, using storytelling and data to influence key credit decisions.
- Trained and mentored 4+ new analysts, streamlining operations and improving team efficiency by 20%.
- Led integration of Corporate and FIG (Primarily Banks, NBFIs, SWF )teams, optimizing workflows and enhancing cross-functional collaboration.
- Maintained and deepened client relationships, ensuring timely covenant monitoring and credit compliance.
- Developed FIG process checklists and credit templates, reducing review turnaround time by 15%.
Account Manager, Transaction Banking
ICICI
05.2021 - 09.2021
- Delivered 30+ client presentations, strengthening relationships and differentiating offerings from competitors.
- Secured accounts worth ₹15–20 Cr through consultative selling and tailored financial solutions.
- Boosted client retention by 25% by integrating feedback into engagement strategies.
- Coordinated with 5+ internal teams and 100+ clients to ensure seamless service delivery.
- Managed sales pipeline, driving a 15% increase in revenue.
Finance Intern
Aditya Birla Group
04.2020 - 06.2020
- Conducted equity research, financial modelling and valuation of Indian pharmaceutical companies, providing investment recommendations to portfolio managers.
- Monitored market/sector trends and managed 50–60 client interactions daily
Education
Master of Business Administration - MBA - Finance
Symbiosis Institute of Management Studies
Pune, MH05-2021
Bachelor of Commerce - BCom - Business, Management, Marketing
MCM DAV College
India, Chandigarh, CH07-2018
High School Diploma -
Air Force Bal Bharti School
New Delhi 06-2015
Skills
- Transformation Management
- End-to-End Workflow Automation & Redesign
- AI Tool Integration & Enablement (Copilot)
- Cross-Functional Stakeholder Alignment
- Credit Risk Policy & Governance (CAT 2/3)
- Training, Mentorship & Capability Building
Accomplishments
- HSBC - Awarded star performer of the credit analysis unit
- HSBC - Achieved over 250% productivity during peak periods by completing reviews, urgent new money requests with accuracy and efficiency.
- HSBC - Successfully trained and conducted knowledge sharing sessions for new joiners and seasoned professionals as a 1st year credit analyst to drive efficient transformation and integration of corporate and FIG departments.
- Published research paper on Financial Literacy & Emotional biases in Cardiometry and ProQuest.
- Selected and recommended for the Indian Army; All India Rank 32
Timeline
STA-Credit Transformation
Standard Chartered
01.2026 - 11.2026
Credit Analyst
Standard Chartered
10.2024 - 03.2026
Associate - Credit Analyst
HSBC
10.2021 - 10.2024
Account Manager, Transaction Banking
ICICI
05.2021 - 09.2021
Finance Intern
Aditya Birla Group
04.2020 - 06.2020
Master of Business Administration - MBA - Finance
Symbiosis Institute of Management Studies
Bachelor of Commerce - BCom - Business, Management, Marketing
MCM DAV College
High School Diploma -
Air Force Bal Bharti School