Uttam Sikria
Liluah
Summary
Credit Analyst with more than 10+ years’ experience in financial analysis and credit risk assessment in the US domain. Skilled in Excel, Tableau, and forecasting, with a strong track record in operational efficiency. Proficient in financial modelling and risk assessment with a strong grasp of market trends. Adept at supporting sound lending decisions through accurate analysis and collaboration with cross-functional financial teams.
Overview
18
18
years of professional experience
Work History
Senior Associate and Credit Analyst
BNY
Pune
01.2023 - Current
- Perform detailed credit analysis on corporate and institutional clients, evaluating financial statements, market position, and risk factors to inform credit decisions.
- Collaborate with relationship managers and risk teams to prepare credit proposals, assign internal risk ratings, and ensure alignment with regulatory standards.
- Monitor credit portfolios continuously, identify early warning signals, and recommend risk mitigation strategies to maintain asset quality and compliance.
Deputy Manager, Business Analyst
Star Cement Ltd
03.2021 - 01.2024
- Lead business analytics initiatives, creating workflows for capacity management, testing, follow-up, and documentation to support new business opportunities such as White Cement Research and Analytics.
- Utilized analytical tools such as pivot tables, Tableau, and Salesforce Automation to write reports and analyze data, enabling informed decision-making and strategic planning.
- Gained experience in forecasting demand, sales, and financial metrics, contributing to accurate projections and growth strategies.
- Worked on automating and streamlining operational workflows, including the Sales Incentive Scheme (SIS), to enhance productivity and improve internal processes.
- Prepared and finalized Investor Presentations, showcasing the company’s performance and future strategies.
- Conducted in-depth Sales Productivity Analysis, Schemes Analytics, Net Cement Realisation (NCR) Analysis, Freight and Logistics Analysis, and Order Execution Time (OET) Analysis to provide actionable insights for business performance improvement.
- Developed a strategic roadmap for data analytics, supporting the alignment of business goals and objectives through data-driven insights.
- Delivered Basic Excel training to over 100 employees, enhancing productivity and empowering teams with analytical tools for better performance.
Credit Analyst
HSBC Electronic Data Processing India Pvt. Ltd
Kolkata
02.2017 - 03.2021
- Led annual reviews and preparation of credit review write-ups for various types of funds under different Investment Advisors, ensuring compliance with internal credit policies.
- Supported Relationship Managers in onboarding new funds and conducting ongoing exposure monitoring of different funds managed by multiple Fund Managers.
- Prepared credit proposals and assessment scorecards to extend trading lines for mutual funds and other investment vehicles.
- Analyzed key financial documents such as Fact Sheets, Investment Management Agreements, Fund Prospectus, and Annual Reports from a credit risk perspective to assess fund viability.
- Conducted NAV monitoring and stress exposure calculation for high-risk funds, identifying potential market risks.
- Generated Credit Risk Ratings (CRR) using internal systems such as CARM for Banks (CfB), CARM for Funds (CFF), LEM, TCS, and others to facilitate fund onboarding and reviews.
- Reviewed and allocated credit lines for funds trading in Foreign Exchange, Derivatives, and REPO, based on risk analysis and Assets under Management (AuM) movements.
- Worked with ISDA, MRA/GMRA, Dodd-Frank, and FCDTA agreements to set trade lines and ensure compliance with regulatory frameworks.
- Collaborated cross-functionally with Credit Risk Management, Account Maintenance, Due Diligence, Relationship Managers, and Client Managers to complete comprehensive credit applications.
- Engaged daily with onshore business partners and stakeholders, providing insights and support for timely credit decision-making.
- Delivered on-the-job training to new joiners, ensuring they understood the credit assessment process and systems.
Audit Consultant (Contractual)
PricewaterhouseCoopers SDC
Kolkata
11.2015 - 03.2016
- Conducted tailored testing, including Test of Details, Internal Consistency Checks (Comparing and Casting) and Sale Buy-Back Testing, as per global engagement team requirements.
- Designed and implemented solutions for a wide range of trading scenarios, focusing on Fair Pricing, Best Execution, and Market Abuse & Manipulation compliance.
- Gained expertise in PwC SDC Audit Methodology, while actively utilizing auditing tools such as Aura and Bloomberg for data analysis and reporting.
- Collaborated with global teams to ensure accurate financial audits and mitigate risks associated with complex trading and market activities.
- Enhanced knowledge in audit software, financial regulations, and market manipulation detection techniques, contributing to audit process improvements.
Senior Audit Assistant
Vinod Singhi & Associates
Kolkata
05.2014 - 10.2015
- Auditing companies in industries such as trading, manufacturing, and mining, contributing to the audit of financial statements and internal controls.
- Conducted a variety of audits, including Internal Audits, Statutory Audits, Tax Audits, and Forensic Audits, ensuring comprehensive evaluations of financial performance and compliance.
- Analyzed and assessed client business operations, internal controls, and statutory compliance, providing value-added recommendations for business improvement and operational efficiency.
- Prepared detailed audit reports, clearly presenting key audit findings and recommendations to management for informed decision-making.
- Collaborated with cross-functional teams to identify risks and opportunities for optimization, enhancing financial accuracy and compliance.
Audit Executive
Modi Pradip & Co.
Kolkata
09.2012 - 08.2013
- Conducted comprehensive statutory Audits, Tax Audits and Internal Audits for clients across various sectors, ensuring compliance with applicable accounting standards and tax laws.
- Handled income tax matters for individuals, including tax planning, computation of total income, and preparation of final accounts.
- Prepared and filed TDS Returns, ensuring timely and accurate compliance with regulatory requirements.
- Assisted in drafting audit reports and maintained accurate documentation for internal and external review.
Audit Assistant
Abhijit Dutt & Associates
Kolkata
12.2007 - 06.2011
- Assisted in conducting various audits including Statutory Audits, Tax Audits, and Internal Audits for individuals, partnerships, and corporate clients across diverse industries.
- Filed and reviewed TDS Returns, Service Tax Returns, and Income Tax Returns, ensuring compliance with statutory timelines and regulatory standards.
- Supported in the finalization of accounts for individuals and companies, adhering to Schedule VI and disclosure requirements under the Companies Act.
- Ensured accurate documentation, reconciliation, and compliance for year-end financial statements and audit reports.
Education
CA Inter -
The Institute of Chartered Accountants of India (ICAI)
Bachelor of Commerce (Honours) - Accounting & Finance
The Bhawanipur Education Society College
Kolkata 2010
Skills
- MS Office
- Tableau
Ratio Analysis
Financial Modeling
Analytical Thinking
Team Collaboration
Communication skills
Project management
Training and mentoring
Data analytics
Project coordination
Strategy development
Awards
- Led the Credit Analysis Unit (CAU) to 2nd place as Team Captain at the HSBC GSCK Open Games, showcasing leadership and team management in a corporate setting.
- Organized multiple employee engagement and team-building activities for the CAU, enhancing workplace culture and collaboration.
- Recognized as the “Top Performing Team” of the Quarter for achieving high-impact results in credit analysis and financial services.
- Represented HSBC’s Corporate Cricket Team, winning two Runners-up Championship trophies, demonstrating sportsmanship and competitive spirit.
- Named in the CDQA Circle of Excellence as Olympian of the Quarter (Sports) for outstanding athletic performance and cross-functional participation.
- Received the “Best Batsman” Award for HSBC and secured multiple Gold, Silver, and Bronze medals in corporate sports events including Volleyball, Turn-ball, Carom, Chinese Checkers, and Golf.
- Featured participant on the popular Bengali television quiz show “Dadagiri Unlimited” (Zee Bangla), highlighting strong general knowledge and public speaking skills.
- Awarded Best All-Round Player in School for excellence in Football, Cricket, and Volleyball.
- Achieved School Champion status in indoor games such as Carom and Table Tennis.
Timeline
Senior Associate and Credit Analyst
BNY
01.2023 - Current
Deputy Manager, Business Analyst
Star Cement Ltd
03.2021 - 01.2024
Credit Analyst
HSBC Electronic Data Processing India Pvt. Ltd
02.2017 - 03.2021
Audit Consultant (Contractual)
PricewaterhouseCoopers SDC
11.2015 - 03.2016
Senior Audit Assistant
Vinod Singhi & Associates
05.2014 - 10.2015
Audit Executive
Modi Pradip & Co.
09.2012 - 08.2013
Audit Assistant
Abhijit Dutt & Associates
12.2007 - 06.2011
CA Inter -
The Institute of Chartered Accountants of India (ICAI)
Bachelor of Commerce (Honours) - Accounting & Finance
The Bhawanipur Education Society College
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