Sign in

Credit Risk Analyst

San Jose, CA
March 06, 2018

Contact this candidate



*** ******** *****, *** ****, CA *5134 H: 310-***-**** C: 813-***-****


Credit Risk Analyst with 5 years of experience in Banking industry possessing excellent communication, relationship, analytical, problem

solving, and organizational skills.


Financial Analysis and Reporting, Financial Modeling, Credit Risk Management, Credit Rating, Budgeting, Scheduling, Forecasting,

Salesforce, SAP FICO, ERP System, Python, R Programming, SQL, VBA, Business Analytics, Data Analytics, Data Mining, Tableau,

Scrum Project Management and Agile Methodologies, Hybrid Agile-Waterfall methodology, Minitab, Lean, Six Sigma, FMEA,

PERT/CPM, Hypothesis Testing, SDLC Project Management, Business Process Re-engineering, Microsoft Office Suite- Advanced

Excel, Word, Visio, PowerPoint.

Academic Background

Master of Science: Engineering Management/Industrial Engineering 2018

San Jose State University San Jose, USA

MBA: Finance

Edith Cowan University Australia Perth, Australia

Bachelors of Commerce: Finance

Christ University Bangalore, India

Academic Projects

Business Process Improvement: Conducted Business Process Re-engineering in SJSU IT Department.

Lean Six Sigma Project: Conducting Six Sigma improvement at SJSU IT Department by automating their training processes.

Professional Experience

Credit Risk Analyst 04/2011 to 05/2014

HSBC Global Banking and Markets Bangalore, India

Analyzed credit and customer credit risk performance using corporate databases.

Managed credit approvals by using external scoring and management software packages like Moody's MRA.

Developed, established, monitored and implemented strategies for Global large corporate accounts performance analysis.

Liaising with onshore partners/internal clients including the relationship managers, approving authorities and other functional

groups to bring about inter and cross functional efficiencies. Geographies of coverage included: Tokyo, Singapore, Hong Kong,

India, UAE, France, UK, US. Conducted Annual Client Reviews (Financial Analysis) and submit the same to regional credit heads.

Devised and finalized credit reports for the clients, assigned credit ratings and trading limits across committed, uncommitted, and

settlement lines.

Managed an extensive Management Information System for tracking the weekly/monthly reviews.

Responsible for reporting Share fall of HSBC clients (monthly and daily). Developed Relationship Profitability Calculator and

Parental support framework for subsidiaries based on HSBC Group guidelines.

Developed a customer relationship management tool and slashed 30% of the administration costs.

Mentored new members in the team (Bangalore and Kolkata).

Created functional and technical specifications using Joint Application Development (JAD) and shared with cross-functional

teams using SharePoint.

Devised use case diagrams, performed GAP analysis and cost benefit analysis for insight development.

Financial Analyst 09/2009 to 03/2011

J. P. Morgan Services India Private Limited Bangalore, India

Analyst for Dublin Stock and Cash Reconciliations process, as a part of Treasury and Security Services offered by JP Morgan.

Majorly worked as a lead for the Fund accounting services team for Dublin on a daily basis for Mutual Fund Net Asset Value


Responsible for daily trading on J P Morgan’s Dublin and Luxembourg funds.

Migration and Process transition lead for ‘Dublin Stock Reconciliation' processes and successfully completed the transition from

JP Morgan, Dublin (9 Months in Ireland).

Managed all communication and documentation to track and control project issues.

Created and archived Standard Operating Procedures for critical processes.

Developed reports to track long range planning, scheduling, budgeting, forecasting issues, risks and overall status.

Process Management: Managed reconciliation processes for Dallas, Luxembourg and Boston areas.

Collaborated with regional directors development and completion of reconciliation transition projects.

Engaged with cross-functional teams (including remote teams) for project schedule development and deployment.

Metrics Automated: WINS, COSMIC, TITAN, Transaction Life-cycle Management Tool- TCPP01, TCPP02, CSX, APOLLO,


Activities and Honors

Awarded Employee of the Quarter (Q4 2010 & 2011) at HSBC.

Led FUN C Committee at JP Morgan, represented the group at many inter-company events and organized several team events.

Actively promoted 'Green Revolution' NGO.

Department Representative of Futures Club (Finance) at ECU, Australia.

Fundraising Volunteer for Asha-Jyothi from 2013 to present.

Languages Known

English, Hindi, Telugu and Kannada

Relevant Coursework

Financial Methods for Engineers, Financial Institutions Management, Financial Markets and Institutions, Operations Planning and

Control, International Economics and Finance, Managerial Finance, Project Management, Budgeting and forecasting, Business

Strategy, Lean Six Sigma, Business Process Improvement, Business Analytics, Leadership and Change Management, International

Business, Applied Probability and Statistics, Lean Enterprise Management, Managing Globally and Locally, Entrepreneurship,

Marketing Management, Principles of Finance, Data Analytics.

Contact this candidate