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Toronto, Ontario, Canada
April 20, 2018

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Address: *** **** **** *********, *******, ON M5V4A2

Email ID:; Phone: 437-***-**** LinkedIn Profile: EXECUTIVE SUMMARY

A qualified Chartered Accountant (CA) pursuing FRM and CFA, nurturing expertise in financial analysis and risk management with an extensive work experience of two plus years in credit analysis and related assignments. A strong team player who is attentive to detail and able to work in a fast paced environment.


Risk Management Budget Variance and KPI Analysis Team Management

Credit Risk Analysis Capital Markets Multi-tasking

Financial Reporting and Analysis Project Management Negotiations

Forecasts, Planning and Projections Process Automation Senior Stakeholder Management

Financial Modeling and Testing Excel Macros Client Service Excellence WORK EXPERIENCE

CRISIL Limited (An S&P Global Company) July 2015 to February 2018 Credit Analyst

Job Responsibilities:

Worked closely with S&P Global analysts in the process of credit analysis for Infrastructure group (US Public Finance) and was a part of four member team handling a portfolio of 1,800 ratings

Verified financial statements based on generally accepted accounting principles and analyzed complex financial ratios as a part of credit rating process

Involved in research and analysis of service area economy, industry data, market position and operations of entities requesting credit rating

Performed budget v/s actual analysis, variance analysis and reviewed projections of financial data for evaluating the ability of entity to repay debt obligations

Generated financial forecasts based on varied assumptions to gauge the performance trend of entities

Worked on peer comparison and time series analysis of financial and operational data, crucially contributing to assessment of credit rating

Worked on development, testing, implementation and extra-production support for financial models, projects and credit rating processes for S&P Global

Worked on valuation of derivative products such as swaps, forwards, futures and options and analyzed its implication on the overall debt of the entity

Review of structure and legal covenants of debt instruments (Revenue backed bonds, Government backed bonds, Appropriations backed bonds, Customized Loans, VRDO) for assessing credit risk of issuers

Collaborated with internal sectorial teams and external stakeholders (S&P Global) to support and deliver credit rating report of entities for ascertainment of final credit ratings

Comprehensively worked on periodic surveillance of entities rated by S&P Global to flag deals for a full review by evaluating them through various performance tests

Partnered with S&P Global analysts on sectoral articles and commentaries published for market participants Achievements:

Received three ‘ACE Bronze’ awards from S&P Global analysts, for continually exceeding expectations, outstanding performance with regards to regular and special projects, meticulous detailing in credit analysis and achieving tight deadlines

Received S&P Global Quarterly Award for efficient support and stakeholder management

Awarded with “Execution Excellence” for leading a project and achieving processes enhancements

Received two “Numero Uno” awards for delivering top notch quality reports to S&P Global analysts

Successfully completed an internal examination on US Public Finance TECHNICAL PROFICIENCY

MS Office (Excel, Word, PowerPoint)

MS Excel Macros

Global Insight


S&P CapitalIQ



Chartered Accountant – Institute of Chartered Accountants of India – 2014

FRM Level I – GARP – 2015

CFA Level I – CFA Institute, USA – 2013

Bachelor of Commerce – Pune University, India – 2011

Contact this candidate