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Professional Synopsis PGDBM in Finance, FRM charter holder and a CFA level 3 candidate with insightful experience of over 4.5 years and since Jan’10 with Bank of America, Mumbai as Senior Credit Analyst. • In-depth experience in providing high value-added credit underwriting and analysis • Strong team management skills with experience in managing a team of analysts for BT-KPMG Best Banks Study in 2006 & 2007 • Possess strong analytical, communication and report writing skills • Training of junior team members and new recruits (including onshore analyst) with respect to credit underwriting and monitoring processes. Education 2012 Passed Level 2 of the US CFA Program 2011 Completed Financial Risk Manager (FRM) course - Certified by the Global Association of Risk Professionals 2010 Post Graduate Diploma in Business Management, Sydenham Institute of Management (SIMSREE), Mumbai 2006 Bachelor of Management Studies (B.M.S.) from Sydenham College of Commerce & Economics, Mumbai Organizational Experience Jan’10-Current BA Continuum India Pvt. Ltd. – non-bank subsidiary of Bank of America Senior Credit Analyst, Corporate Debt Products – Banking & Finance Qualitative and quantitative analysis of credit risks faced by FICR loan portfolios, across the Banking & Finance sectors for Singapore & Indonesian regions: Scope of work: • Provide credit recommendation for transactions/renewals to senior credit risk management team based the financial performance of Bank of America’s FI clients through economic and industry analysis, management and corporate governance quality, incisive financial statement analysis using financial ratios. • Determination of key credit risks and mitigating factors as well as sources of repayment for the client / transaction being evaluated. • Assessment of risk and monitoring of the trading portfolio by analyzing trading sensitivities with the client across various OTC products like FX forwards, swaps, commodities, etc. Key activities also include developing stress case scenarios, identifying directionality of the trades and assessing mitigating factors for larger and riskier trades. • Responsible for internal risk ratings and rating based monitoring for clients and ensuring compliance with the Bank’s policy. • Working understanding of legal documents, credit agreements (ISDA/CSA/GMRA), etc for traded products and other loan products. Key projects and achievements: • Underwritten a committed Euro loan facility of $360MM for DBS HK which was booked under the FVO book. • Increase in TFF limits for several Indonesian names (including profitability analysis) with in-depth assessment of risk return trade-off which was well appreciated by the FI South East Asia team lead in May 2011. • Achieved a back to back rating of “Exceeds-Exceeds expectations” over the last 3 appraisal cycles for consistent good quality analysis and turnaround times. • Conducted training sessions for CAMs and other monitoring processes for onshore analyst in 2011. May’06-Jun’08 KPMG, Mumbai, as Analyst- Proposal advisory group Primarily responsible for supporting the Financial Services LOB for proposals, presentations and research support. Key projects handled are listed below: • Worked on the Business Today-KPMG Best Banks Report for the years 2005-06 and 2006-07 which involved an objective study on the best performing Indian commercial banks based on parameters like growth, size, performance, etc. • Worked on the report “Abolishing Octroi in Gujarat” in association with the Confederation of Indian Industry (CII) which involved evaluating alternatives to Octroi revenue for municipal corporations in Gujarat due to its abolishment. • Dedicated end-to-end support to Line of Businesses on key proposals namely Asian Paints, Cisco, Marico, HDFC Bank etc as an advisor to the internal KPMG team. Internship Projects May’09-Jun’09 KPMG, Mumbai, as Trainee Analyst ‘Best Practices in Treasury Management’- Study involved research and analysis of key trends and providing recommendations in Treasury Management and included case study on Shell’s Treasury Management, etc. Dec’08 ABPS Infra Advisory Pvt Limited, Mumbai, as Trainee Analyst ‘Study on International Power Pools’ – Study project involving analysis of the structure and business model of International Power Pools namely Nord Pool (Norwegian region), NEMMCO (Australia), PJM (Pennsylvania) and NZEM (New Zealand) with a comparative assessment of trading platforms of the power pools.   Other Attainments • Awarded “Bronze” and 2 “Silver” awards in 2010 and 2011 respectively at Bank of America for demonstrating performance that exceeded expectations. • Lead member of the “Corporate Events Committee” in SIMSREE in organizing Sim’ergence 2009- an annual corporate meet involving eminent speakers from various sectors like Banking, Media, etc. • Worked for an NGO “PRATHAM” which is involved in educating underprivileged children Personal Details Date of Birth: 14th April, 1984 Address: 215/30, Jindal Mansion, Dr. Mascarhenas Road, Mazgaon, Mumbai-400010 Languages known: English and Hindi