Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic
Tanuj Singhal

Tanuj Singhal

Structured Finance- Associate
Gurgaon

Summary

Detail-oriented and analytical credit analyst with proven experience in evaluating financial documentation to assess credit risk and manage loan portfolios. Brings a high-energy approach, an inquisitive mindset, and strong time management skills. Skilled in portfolio management, risk assessment, and maintaining the health of diverse credit portfolios. Adept at delivering data-driven insights, optimizing credit strategies, and fostering strong client and team relationships to support sound financial decisions and business growth.

Overview

6
6
years of professional experience
2
2
Certifications
2
2
Languages

Work History

Associate, Structured Finance Portfolio Management

Natwest Group (RBS)
04.2022 - Current
  • Responsible for the portfolio management of UK focused mid-cap & large cap sponsored owned corporate deals totaling c.£350m+ of leveraged finance debt.
  • Writing credit applications and various transactions including covenant amendments, facility increases, tenor extensions, refinance of debt facilities of existing customers, annual renewal process & internal problem debt management requirements.
  • Analyzed credit applications and financial statements to assess risk and determine creditworthiness of applicants.
  • Modeling of financial and non-financial information on grading models to assign Probability of Default (PD), Exposure at Default (EAD) and Loss Given Default (LGD) to support credit decisions, ensuring accuracy and compliance with company policies.
  • Customers ranging from different sectors such as Health care & Hospitality, Retail, Technology and Pharmaceutical Industries and engaged in end to end Commercial lending cycle (for both syndicated and bilateral deals).
  • Liaising with client treasury teams to understand their day to day requirements and executing requests internally.
  • Collaborated with cross-functional teams to gather relevant information for loan approvals, enhancing communication across departments.


Associate Manager

IDFC First Bank
09.2020 - 09.2021
  • Handled Micro Business loan portfolio.
  • Experienced in team management, delinquency management, MIS reporting, documentation and credit analysis post disbursal.
  • Major expertise is in portfolio analytics, debt recovery cost analysis and strategy planning for waiver matrix and Vendor payout grid.

Internship- Equity Research Analyst

J.M FINANCIALS LTD
04.2019 - 06.2019
  • Worked on the Automobile Sector (Fundamental Analysis).

Education

Master of Business Administration - Finance

Symbiosis Institute of Business Management
06.2018 - 06.2020

Bachelor of Commerce -

University of Rajasthan
04.2015 - 04.2018

Schooling -

Saint Xavier's Senior Secondary School (CBSE)
04.2001 -

Skills

Financial Analysis

Credit Analysis

Portfolio Management

Stakeholder Management

Risk Management

Flexible and adaptable

Effective Communication

Accomplishments

  • Certified Bloomberg Market Concepts.
  • Secured 1st position consecutively for 2 years in shapes and stocks contest.
  • Represented college in Bloomberg Olympiad. (10/2019)
  • Won Capstone Business Assessment Stimulation (98 percentile.(11/2019).
  • Scored "Outstanding" Grade in core subjects. (Corporate Valuations, Derivative Markets, Technical Analysis).

Certification

Diploma in Lending Skills- The Chartered Banker Institute

Timeline

Associate, Structured Finance Portfolio Management

Natwest Group (RBS)
04.2022 - Current

Associate Manager

IDFC First Bank
09.2020 - 09.2021

Internship- Equity Research Analyst

J.M FINANCIALS LTD
04.2019 - 06.2019

Master of Business Administration - Finance

Symbiosis Institute of Business Management
06.2018 - 06.2020

Bachelor of Commerce -

University of Rajasthan
04.2015 - 04.2018

Schooling -

Saint Xavier's Senior Secondary School (CBSE)
04.2001 -

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Tanuj SinghalStructured Finance- Associate