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Sales Engineering

Thornhill, Ontario, Canada
August 07, 2019

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M: 647-***-**** E:

A: 31 Roman Road, Thornhill, GTA, ON-L3T4J8


Legal Status:- Permanent Resident


Adept Credit Analyst with 7 years of work experience across banking, commercial lending, fixed income research and investment banking

Education-Masters in Business Administration (MBA) with a majors in Finance along with a Bachelors in Engineering

Experienced in the Canadian and US banking industry

Sectorial Expertise- Oil & Gas in Canada and the US. Handled O&G names such as Exxon Mobil, ConocoPhillips, Occidental, Chenovus, Kinder Morgan, TransCanada Energy among other

Communication Skills- Proficient in English, Hindi, Guajarati and Marathi

Computer Skills- MS Office, Excel, Word, PowerPoint, Basic R, C, C++ WORK EXPERIENCE

Senior Credit Analyst, S&P Global Nov 2018 –Apr 2019

Worked with the fixed income buy-side team of HSBC for the Canadian and US markets.

Managed the O&G (upstream, midstream, downstream), energy utilities, vertically integrated power utilities and REIT sectors independently and recommended overweight/underweight or hold strategies

Completed detailed credit risk analysis and reviews, financial statement analysis, financial modelling, strategy analysis, peer benchmarking, liquidity analysis (2a7), Environmental, Social and Governance

(ESG) analysis ensuring compliance with both internal requirements as well as external statutory compliances

Completed due diligence including credit reports, money laundering, fraud, terror financing, UNSCR, restricted and sanction lists

Handled prominent companies of the likes of Exxon Mobil, Chevron, Occidental, ConocoPhillips, Kinder Morgan, TransCanada, Consolidated Edison, Southern Company, American Tower Company, American Electric Power, Capital One Financial amongst others

Carried out quarterly reviews and updates basis financial results and sector/ industry happenings, besides ad hoc reports on a collaborative basis

Commercial Banking Analyst, IDFC Bank, India Feb 2016-Nov 2018

Led the credit risk analysis of companies across industries and sectors with revenue in the range of 12 million CAD- 1.60 billion CAD, including domestic and global conglomerates, retail and commercial customers

Completed loan reviews by undertaking qualitative and quantitative research, identifying risks, financial analysis, revenue drivers, financial statement analysis, revenue and cost models, profitability trends, sensitivity analysis and stress testing

Completed due diligence including bureau checks, loan documentation, rating agency feedback and market and background related checks and other qualitative parameters

Recommended suitable credit limits. Completing structuring to mitigate risk by ensuring guarantees, collaterals, securities, sub-ordination or other covenants

Successfully built a total loan asset book of ~CAD 160 million across funded and non-funded lines in a span of two years

Ensured completion of credit renewals in a timely manner, by adhering to monthly and quarterly targets

Collaborated with the relationship manager, trade, forex and operations to ensure timely redressals of customer requests and completion of transactions in a timely manner

Carried out regular credit portfolio reviews to manage the safety and credit quality of the overall portfolio. Identification of fraud potential, credit quality slippage, KYC compliance within accounts and red flagging unacceptable account conditions

Maintained strong working relationships with other syndicated bank employees, relationship managers, national sales heads, third party business partners to better market and business knowledge, industry operating regulations, due diligence, campaigns and strategies of competitors happenings among others

Credit Analyst, CARE Ratings, India Dec 2011–Feb 2016

Drove credit rating assignment of more than 65 customers belonging to the infrastructure, engineering, fertilizers, mining, public private partnership projects, agri-business, pharmaceuticals, real estate and engineering industries belonging to the commercial, corporate and business banking verticals

Evaluated and recommended credit ratings of corporate bonds, short term paper, long term debt lines, working capital bank lines (funded and non-funded)/ market instruments of a cumulative value in excess of 11 Billion CAD with a largest single assignment of 800 million USD leading to a promotion within 11 months of joining prior to confirmation

Analyzed financial statements, undertook financial modeling, detailed revenue and cost modeling, scenario analysis and benchmarking of clients.

Proactively interacted closely with the management, bankers, sales representatives, auditors and other stake holders with a focus on track record, robustness and perception of the client.

Summarized credit findings and recommended suitable credit ratings to an external rating committee comprising Reserve Bank of India (India’s central bank), economists and other eminent dignitaries

Authored external communications and decision making outcomes in a tact manner for publication on the webpages, newspapers and other publications

Developed business knowledge of certain sectors. Held a leadership role in the form of a sector specialist for REIT’s and infrastructure and mentored team members and provided solutions to resolve issues that arose in analyzing these sectors.

Investment Banking Analyst, J.P. MORGAN, INDIA Jul 2011-Nov 2011

Worked with the debt capital markets and Mergers & Acquisitions segments in Asia

Collaborate closely in preparing preliminary issue/deal information including industry, company and market/region specific data for the front end bankers and sales personnel

Sourced and assessed company specific and industry information from a variety of data sources with a close attention to detail with an aim of forming views on an industry and key trends. Completed data analysis and reported the same to the relationship management team

Worked hands on with databases including Thomson Research, Bloomberg, FACTIVA, Morgan Markets to deduce company and sector specific happenings

Summarized and synthesized news updates, sales reports, sensitive deal data, research reports and weekly industry reports


Masters in Business Administration with Majors in Finance Jun 2009-Mar 2011 Symbiosis Institute of Business Management – Pune, India Bachelors of Engineering with Majors in Instrumentation & Control Jul 2004-May 2008 College of Engineering Pune (COEP) - Pune, India


Helped with formation and registration of the Bishop’s Students Alumni, Pune, 2018

Counseling students at SIBM, Pune during placement season during last 3 years- 2016-2018

Examiner- Voice Viva Exam, University of Pune

Tutoring- College of Engineering Pune for Control Systems Components Course, 2015 AWARDS

Most Promising Outgoing Student, SIBM Pune 2011

Pre-placement Interview Call, SAB Miller, 2010

Silver Medal, SIBM Pune 2010

Letter of Appreciation, Dubai Government, 2010

Batch Topper, MBA-I, 2009

Silver Medalist, ‘Academic Excellence’, COEP, 2008

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